Personal Checking

At First National Bank of Broken Arrow, we have a variety of personal checking account options to suit your family's needs. Feel free to give us a call at 918-251-5371 if you have any questions about the checking accounts below.

  Monthly Fee Min Deposit Transactions Included per Month


First Rewards Checking None $50.00 Unlimited .80%
Up to $10,000


Over $10,000*
FREE Checking None $50.00 Unlimited --
First Class II Checking None
if minimum
ledger balance
of $500 is maintained
$100.00 30 checks. (0.30 per check after 30) --
First Class Gold Checking (55 or better) None $100.00 30 checks. (0.30 per check after 30) --
Investment Checking
if minimum
ledger balance
of $1,500 is
$1,000.00 30 checks. (0.30 per check after 30) 0.02%**


The Bonus Rate is as simple as performing 3 simple steps each qualification cycle:

Have at least 10 Check Card Transactions post and settle as POS transactions (transactions processed by merchants as ATM transactions do not qualify). .
Receive a monthly electronic statement.
Have at least one direct deposit or auto debit post and settle.
Bonus Rate provides ATM fee refunds up to $25.00 per statement cycle

RESTRICTIONS: .80% Annual Percentage Yield (APY) Bonus Rate paid on balances between one penny and $10,000 each statement cycle the minimum requirements are met. If you do not meet the requirements during a statement cycle, you will earn the Non-Qualifying Rate of 0.025% APY. The portion of account balances exceeding $10,000 will earn the Base Rate. We may change the interest rate and APY at any time after the account is opened. First Rewards Checking accounts are limited to one account per social security number. No minimum balance required. No monthly service charge. If the minimum requirements per qualifying cycle are not met ATM refunds will not be received for that time period.


RESTRICTIONS: Interest rate and annual percentage yield could change weekly at First National's discretion. Interest begins to accrue no later than the business day when we receive accrued interest. If the account is closed before interest is credited, the depositor will not receive accrued interest. Interest is compounded monthly, calculated on the available balance, and paid monthly. If minimum balance is above $1,500, there is no service charge. If balance falls between $1,000 to $1,499, there will be a $3.00 service charge; if balance falls between $500 to $999, a $7.00 service charge will be assessed; if balance falls to $499 or less, there will be a $10.00 service charge.