Personal Banking Services Tailored to You

1NB is committed to providing our fellow Oklahomans with accessible personal banking features to handle your everyday financial needs from your checking and savings accounts to loans, mortgages and more.

Secure Checking Account

Our Secure Checking account provides the basic essentials you need to start banking with affordable fees and minimums plus powerful security features.  Access Secure Checking benefits here (must have current active open account)

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  • Overdraft protection available (must qualify)
  • $50 minimum to open
  • $6 maintenance fee per statement cycle
  • $2 paper statement fee
  • ID protection and credit monitoring
  • FREE ATM/Debit card, Online Banking and Bill Pay

Choice Checking Account

Bank conveniently with our Choice Checking account. Say goodbye to maintenance fees and minimum required balances and enjoy peace of mind with the preferred 1NB account.


  • Overdraft protection privilege (must qualify)
  • $50 minimum to open
  • $2 paper statement fee
  • FREE ATM/Debit card, Online Banking and Bill Pay
  • FREE e-statement

First Class Now Checking Account

Our First Class Now Checking account offers premier flexibility and convenient banking features with discounted checks, affordable statements, unlimited checking and more.


  • Overdraft protection available (must qualify)
  • FREE Checks (wallet only, one box per year, 1/2 price on second order)
  • FREE money orders/cashier checks
  • $1,500 minimum to open
  • $7 monthly maintenance fee
  • $2 paper statement fee
  • FREE ATM/Debit card, Online Banking and Bill Pay
  • FREE e-statement
  • $15 safe deposit box discount for first year

Classic 55 Checking Account

The Classic 55 Checking account from 1NB provides affordable premier banking services to the senior members of our community. Members born in 1955 or prior enjoy access to discounted checks, free statements and unlimited checking with no monthly maintenance fee.


  • FREE paper and e-statements
  • FREE Checks – Wallet Only One box per year 1/2 price on second order
  • Overdraft protection available (must qualify)
  • $50 minimum to open account
  • FREE ATM/Debit card, Online Banking and Bill Pay

Savings Account

Start saving securely and conveniently with our standard savings account.


  • Interest compounded daily and credited monthly
  • FREE e-statements
  • $50 minimum to open account
  • $2 paper statement fee
  • Minimum balance of $50 required to avoid monthly maintenance fees

Money Market Account

Earn interest when you open a money market account with 1NB and benefit from tiered rates and free e-statements.


  • Interest-bearing tiered-rate account
  • $2,500 minimum to open
  • $2 paper statement fee
  • FREE e-statements
  • $11 monthly maintenance fee; waived if minimum balance of $5,000 or an average daily balance of $10,000

Certificates of Deposit (CDs)

Invest safely and securely with a 1NB certificate of deposit. Choose the length of your deposit from a range of options and make the most of your money. Inquire with our team for current rates. Jumbo rates available.


  • 7–89 Day CD
  • 3 Month (90–179 Day)
  • 6 Month (180–364 Day)
  • 1 Year (12–17 months)
  • 18–23 Month
  • 2 Year (24–47 months)
  • 2 1/2 Year “First Choice”
  • 4 Year

1NB Fee Schedule

If you have any questions, please call 580-223-1111 or email

1NB in Your Wallet

Conveniently manage your money with the 1NB Debit & ATM card. Perform everyday transactions with funds straight from your bank account and get alerts to keep your spending secure.
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1NB Wherever You Go

Access 1NB’s flexible features from anywhere with our mobile banking app. With over 500 five-star reviews on the App Store, you can quickly and securely take care of all your personal banking needs from your mobile device.
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Personal Loans

Contact your local 1NB for details.

Auto Loans

We love helping the members of our community reach their goals. Apply for an auto loan from 1NB and benefit from competitive rates and flexible loan terms.

Unsecured Loans

Take care of unexpected expenses and smaller living needs with a competitive unsecured loan and get your money quickly and conveniently.

Recreational Vehicle Loans

Dreaming of hitting the open road? Apply for a recreational vehicle loan and start traveling in your new camper, boat or motorcycle in no time.

CD and Savings Loans

Use the funds in your 1NB savings account or CD to qualify for a low-rate loan.

Apply for Your Personal Loan Today

Mortgage and Home Equity Loans

Whether you’re looking to buy a new home or refinance your property, 1NB offers a range of lending options to help you get where you want to be.

Bounce Relief

Did you make an error in your checkbook? We’ve got you covered! Bounce Relief from 1NB is designed to help you out should you ever make an accidental overdraft.

Online and Mobile Banking

Manage your money from your mobile phone or personal computer when you sign up for online banking with 1NB.

Bank With 1NB

Take care of all of your personal financial needs with a bank that has your back.
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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