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Additional Electronic Services


FirstFone is our 24-7 telephone banking service.  It allows you to have access around the clock to your checking, savings, CD, and loan account information.  

  • Check account balances
  • Transfer funds between accounts
  • Check interest information
  • Make loan payments
  • Find out current deposit rates
  • Investment calculators
  • Find ATM locations
  • Report a lost/stolen debit card

There is no limit to the number of times you may call, and best of all, it’s FREE.  To access your account information, please complete the authorization form and return to the nearest First Bank location.  Your FirstFone access number will be sent to you as soon as we receive your authorization.

Bill Payment Service

There is an easier way to pay your bills, anytime, anywhere. Enjoy FREE Bill Pay service through First Bank’s Personal Online Banking.  No more checks, envelopes, or trips to the post office.  Don’t worry about writing out those checks and the increasing cost of stamps.  Let us "pay your bills"!

With this fast, secure, and convenient service, you can set up fixed payments to be paid on the same date every month or on demand.  Pay any bill (excluding payments for taxes) - you name it! Mortgage, credit cards, doctors, utilities, etc.  You specify who to pay, how much and when - the Bill Pay service will take care of the rest.  Payments are guaranteed to be made when you request and in the amount specified.  Never worry about missing a due date again.  And with FB&T Bill Pay, you can schedule payments up to a year in advance.  Add vendors anytime with a simple request from your PC.  Each Bill Pay transaction will be included in your monthly statement.

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First Bank & Trust Debit/ATM Card 

The First Bank & Trust debit card now offers additional features and choices we’re sure you’ll enjoy. 

You can choose from 10 new debit card designs.  Click here to view the latest card styles.  Call one of our friendly New Accounts representatives and request your new debit card today!

The most exciting feature is the “Real Time” processing.  Whether you’re making a purchase at a retailer or accessing your account at an ATM, your balance is exactly what it is if you would call us or inquire online.  Up-to-date card activity is immediately available online or on mobile banking.  While it is still the responsibility of our customers to keep an accurate account transaction register, displaying card activity in “Real Time” will help you stay on track.

In addition to using your card as a signature based transaction, you may now choose to enter your PIN number when you swipe the card and receive cash back.  This is called PIN/Debit.  We’re sure you’ll enjoy using your PIN for cash back at the retailer, saving you a trip to the ATM and most of all, the ATM fee! 

Free ATM Locations

The FB&T debit card is also your ATM card. Use it 24-hours a day, 7-days a week to make cash withdrawals, deposits, transfer funds between accounts, and check your balance.  Enjoy access to FREE ATM’s in Stillwater, Oklahoma City, Enid, Alva, and several other states.  Click here to find a location near you.

Bankers Credit Card

FB&T offers world-class credit cards through Bankers Credit Card Service.  Choose the card that is right for you – select from Visa® Classic and Platinum, MasterCard® Classic and Gold, and Discover®.  Card features include enhanced security and fraud protection, online statements and payments, 24-hour customer service, and low, competitive rates.  Select cards have optional rewards programs.  To learn more about this credit card service, or to apply, call us today. 

Consumer Credit Card App

Business Credit Card App