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Reorder Debit Card

Reorder your lost or stolen debit card today. Card will be reordered upon approval.

Our New Site

We hope our new website helps you bank more efficiently with 1st National Bank. If you have any problems, please don't hesitate to call us at anytime.

Fraud Alert

Some 1st National Bank customers have been receiving automated calls purporting to be from MasterCard asking for information, including a PIN. If you receive a call, please respond to our Fraud Center at 580-822-3300 or contact 1st National Bank.


Super HI-FI Account

  • Minimum  to open account $20,000.00
  • Two forms of ID required (one must be photo ID)           
  • You may make six transfers from your account by check, draft, or similar to third parties per statement cycle.
  • Unlimited In-House transfers
  • Fees apply if any one daily balance falls below $20,000.00


  •  Compounding and Crediting Interest.  The interest is compounded and credited to your account at the end of each statement cycle.
  • Free TeleWeb
  • Free Telebank
  • Transfund Debit cards available


  •  No monthly charge if the account is maintained properly with the $20,000.00 minium balance.
  • Must maintain an average daily balance of $20,000.00 or the account interest rate will switch back to the Now Account interest rate.
  • If your balance during any one day in a statement cycle falls below $20,000.00 you will be charged a fee of $7.50 for that cycle and the interest rate paid on the entire balance will change to the Now account rate.
  • Excess of six third party checks and/or covered withdrawals is $1.00 per excess debit each month.

Additional Notes

  •  At our discretion we may change the interest rate on your account daily.  Your interest  rate & annual percent yield may change.
  • Your daily balance on each day is the ending balance of the account from the previous day plus any deposits and minus withdrawals made that business day.
  • If you close your account before interest is credited, you will not receive the accrued interest.
  • We use the daily balance method to calculate the interest on the account.  This method applies a daily periodic rate to the principal in the accunt each day
  • Interest begins to accrue no later than two business days after you deposit non cash items (for example, check).

Call or come in for fee brochure.