ATM/Check Card

• 500+ FREE ATM's in Oklahoma - Click here to locate
• FREE - No Monthly Fee
• Use anywhere that accepts VISA
• PIN (Personal Identification Number) can be chosen by card users
• If card is lost or stolen a replacement card is $5
• For lost of stolen cards after normal banking hours please call 1-800-791-2525
• Maximum daily withdrawal limits are $250 at ATM and $500 at point of sale.
  Withdrawal limit may be increased with officer approval

Automatic Funds Transfer (Internal from one account to another)

• Free of charge
• Customer must sign affidavit
• Transfer dates can be specified (i.e., 1st and 15th of each month, etc.)
• May sometimes be called a Sweep or Sweep Account

• Direct Deposit payroll - Enter the employee financial institution information once and just change dollar amounts each time

• If your payroll software creates a NACHA file, no entry is necessary, just upload the file each time

• Initiate debits/credits from any of your accounts at other institutions

• Enter and submit your own wires

• Enter recurring ACH batches and Wires so only minimal entry is needed

• Allows for dual security if needed

• Ability to restrict by account & dollar amount per user

• Administer your own users

Fees:

• $50.00 One-time setup fee

• ACH - $5.00 per batch plus $0.20 per item in the batch

• Wires - $5.00 each

Cashiers Checks

• Cashiers Check Fee

  FREE	First Advantage Accounts
  $3.00	All other account types
  $10.00	Non-customers

Collection Items

• No charge if item sent for collection is to be deposited into a First Bank account.
• $7.50 charge for items not deposited to a First Bank account or for non-customers.

• The Bank receives and originates ACH (Automated Clearing House) items
• Signed authorization needed from customer
• No charge to the customer other than any applicable debit charge per deposit agreement for type of account held

• 24 Hour touch tone banking
• Information on Checking and Money Market accounts, Savings accounts, Loans, and CD/IRA accounts
• Balance inquiries
• Funds transfers
• Rate and Product information
• Bank Credit Card menu
• Local & Toll free numbers

  Duncan	580-252-BANK (2265)
  Ardmore	580-223-5490
  Norman	580-292-INFO (4636)
  Healdton	888-306-BANK (2265)
  Waurika	580-228-3223
  All Others	888-306-BANK (2265)

• Must complete form to authorize accounts eligible for funds transfer

• Night deposits are conveniently located at the following Banking Centers:
  

  Duncan Main 923 W Main	Ardmore Main 301 W Main St
  Duncan Plato 1521 W Plato Rd	Ardmore West 1720 McLish
  Healdton 313 W Main	Norman 2330 36th Ave NW
  Waurika 101 N Main

• Free of charge

• Must be performed by a certified Notary Public

• Individual must present some form of identification
  (picture ID with signature and description of individual, or be positively identified by another known individual)

• $15 key deposit
• Two (2) keys are issued at time box is rented.
• Two (2) keys must be returned when the box is closed
• $15 charge to replace one key
• $75 charge to bust the box in the event both keys are lost or stolen.
• Customers have access to the box during lobby hours only.
• Safe Deposit Box sizes, prices, and available locations:

  Size:	Price:	Available Locations:
  3x5 Box	$15 Annually	Ardmore, Healdton, Duncan
  5x5 Box	$20 Annually	Duncan Main Only
  3x10 Box	$30 Annually	All Branches
  5x10 Box	$45 Annually	All Branches
  10x10 Box	$65 Annually	All Branches
  10x14 Box	$126 Annually	Ardmore Only
  Locker	$360 Annually	Ardmore Only

• We offer Bonds in value from $50 to $10,000
• Social Security Number is needed for the person or persons named on the bond.
• Purchase price of bond is half the face value
• Savings Bonds are not a deposit or other form of obligation of the Bank
• Not FDIC insured
• Not guaranteed by the Bank

• Traveler's Check Fee

  FREE	Regal, First Class & First Advantage account holders
  $1 per $100	All other account holders
  $1.50 per $100	Checks for Two