Cash Management

Simplify your process of collecting and managing cash flows with 1NB customizable Cash Management services.

Depository Transfer Service

You can easily transfer funds between deposit accounts at different institutions for convenient cash management. 

NSF Check Representment

New banking rules provide for an electronic way to collect those NSF checks and increase collections by up to 60%.

Check Reconciliation

Prevent fraud and automate daily check reconcilation on your checking accounts. A daily exception report ill be generated listing any items that have cleared your account that are not in your online check register or that cleared for a different dollar amount.

Remote Deposit Capture

A customer can have a Teller Capture Scanner at their business location to depsoit checks instead of coming to the bank. 

Direct Electronic Payments

Use Direct Electronic Payment instead of invoicing your customers for recurring monthly billings.

Electronic Federal Tax Payment System

Whether you’re mandated to file electroniccally by the IRS, or you just want to take the paperwork out of making your monthly tax payments, you can originate your federal tax payments online. 

Wire Transfer

Set up repetitive wire transfer instructions and submit wire transfer requests securely online. 


Access multi-million-dollar FDIC insurance through one relationship. IntraFi’s network enables 1NB to offer depositors access to FDIC insurance for their large-dollar deposits, all through a single financial relationship. This level of security is otherwise cumbersome or very costly to achieve.


By leveraging CDARS®, you can access multi-million dollar FDIC insurance on CD investments.


One Bank

Access multi-million-dollar FDIC insurance for funds placed into CDs by working directly with just us – bankers you know and trust.

One Rate

Earn one rate for each CD maturity, and enjoy the option of reinvesting funds through a simple process. Rates may compare favorably to Treasuries.

One Statement

Recieve one easy-to-read statement from us summarizing your holdings in CDARS.

IntraFi Cash Service®

With IntraFi Cash Service®, ICS, you can enjoy the safety and simplicity that comes with access to multi-million-dollar FDIC insurance through a single bank relationship.


Peace of Mind

Rest assured knowing that funds are eligible for FDIC insurance protection in amounts well into the millions, all backed by the full faith and credit of the federal government. And since deposit accounts are not subject to floating net asset values, you can feel secure knowing that market volatility will not negatively affect principles.


Put cash balances to work in demand deposit accounts or money market deposit accounts.


Enjoy access to funds placed through ICS into demand deposit accounts and money market deposit accounts.

Time Savings

Work directly with just us – a bank you know and trust – to access multi-million-dollar FDIC insurance nd forego the need to track collateral on an ongoing basis, or to manually consolidate statements and disbursements from multiple banks.

Community Support

Feel good knowing that the full amount of funds placed through ICS can stay local to support lending opportunities that build a stronger community.

Sweep Account

Automatically sweep your operating funds into an interest bearing account each night to earn interest and make your operating funds work for you.

*not FDIC insured.

Business Credit Cards

Standard Card

Available to all applicants for both MasterCard™ and Visa™ . Rewards points are not avilable for this card product.


  • Extended Warranty Protection
  • Travel Accident Insurance
  • Rental Car Collision Damage Waiver Protection
1NB Debit Card 2021

Preferred Points Card

Available to all applicants for both MasterCard™ and Visa™ . 


  • Extended Warranty Protection
  • Travel Accident Insurance
  • Rental Car Collision Damage Waiver Protection

Earn one point for each dollar spent up to 10,000 per month. Points can be redeemed for cash back, travel, merchandise, and retail gift cards.

Meet Tony Wharton

Tony is the Treasury Management Representative, bringing nearly 10 years of banking experience to 1NB. Tony is committed and excited to find the right fit for your business solutions, from Merchant Services to Cash Management.

Tony grew up and graduated from Wilson High School. He attended Seminole Community College  graduating with Associates of Science before moving to Southeastern Oklahoma State University completing his Bachelors of Science degree.

He and Cassie, his wife, enjoy watching their daughter, Avery, compete in athletics. Tony is always up to talk about Oklahoma Football and enjoys the time he has with his friends making music.

Tony Wharton
1NB Logo White
First National Bank and Trust Company of Ardmore Inc

Main Branch

405 West Main Street
Ardmore, OK 73401

Helpful Support Numbers

Lost/Stolen Debit Card: 1-800-523-4175
Debit/ATM Card Activation: 1-866-985-2273
PIN Change: 1-866-985-2273