Logon to: Personal Business
Access ID:

Other Services


Overdraft Coverage Options

Life happens!  First Bank & Trust Company understands that unexpected overdrafts occur from time to time - Overdraft Coverage can help.

Overdraft Coverage Options
The choice is yours.  Consider these ways to cover overdrafts:

 Service  Cost
Overdraft Protection Link to Another Deposit Account you have at First Bank & Trust Company (1) One-time $10 setup fee  
Overdraft Protection - First Freedom Account (2) Subject to fees + interest 
Overdraft Privilege   $27.50 Overdraft Fee per item. Weekly fees may apply. 

(1)Call us at 580-336-5562, email us at service@bankfbt.com, or come by any of our locations to sign up or apply for these services; (2)Subject to credit approval. 

Overdraft Protection services apply to all transactions and may help prevent overdrafts by automatically transferring funds to your checking account from another account or line of credit you may have at First Bank & Trust Company for a fee or finance charge. Please note that overdraft lines of credit are subject to credit approval.

Overdraft Privilege allows you to overdraw your account up to the disclosed limit for a fee in order to pay a transaction.  Even if you have overdraft protection, Overdraft Privilege is still available as secondary coverage if the other protection source is exhausted.

 Transactions Covered with
Overdraft Privilege
 Standard Coverage
(No action required)
 Extended Coverage
(Your consent required)*
 Checks X X
 ACH - Auto Debits  X  X
 Recurring Debit Card Payments  X  X
 Online Bill Pay Items  X  X
 Internet Banking Transfers  X  X
 Telephone Banking  X  X
 Teller Window Transactions  X  X
 ATM Withdrawals    X*
 Everyday Debit Card Purchases    X*

If you would like to select Extended Coverage for future transactions:

•  call us at 580-336-5562
•  visit any of our locations
•  complete the consent form and either
    -  mail to P.O. Box 878, Perry, OK 73077
    -  e-mail to service@bankfbt.com

*If you choose Extended Coverage, ATM withdrawals and everyday debit card transactions will be included with the transactions listed under Standard Coverage.  If you already have Extended Overdraft Privilege coverage, it is not necessary to request it again.  Business accounts automatically have Extended Coverage.

You can discontinue the Overdraft Privilege in its entirety by contacting us at 580-336-5562 or sending us an e-mail at service@bankfbt.com.

What Else You Should Know

Extended Coverage Consent Form

Your Guide to Preventing and Managing Overdraft Fees

Consumer Financial Protection Bureau


Money Management Tools

8 Steps to Balancing Account

Better Money Management

Personal Budget Planner

Debt Reduction Strategies

Money Management References

Strategies for Saving


Free ATM Locations

Click here to find a free ATM near you!  Simply type in your zip code and look for ATM’s with "No Surcharge" under Services.


Safe Deposit Boxes

3 x 5 $12.00
5 x 5 $15.00
3 x 10 $30.00
5 x 10 $45.00
10 x 10 $80.00

The Noble Center

The Noble Center is FB&T's new, state-of-the-art conference and training venue.  It is available for group meetings day and evening, Monday through Friday, at no charge. The facility will accommodate up to 100 people, depending on room configuration, and is excellent for hosting educational, civic, or community activities and meetings.  Click here to learn more.

To make a reservation, contact Yvette Dow at (580)336-5562 or *email us.


Trust Services

Our Trust Team will help you make the most of what you have.

Basically, any trust instrument is designed to maximize your estate, your assets or your earnings...so you can enjoy the results of your lifetime of hard work now...or to take care of your heirs when you are no longer here to do it yourself. We have the expertise to create just the right trust for you. Our Trust Team represents almost a century of combined experience...backed by the loyalty of our present trust customers. Consult with your attorney or CPA, then talk with us about what our Trust Team can do for you.

We'll show you that trusts aren't exclusively for the wealthy or the elderly. They'll work for anyone who wants to make the most of what they have.

Our experienced staff can help you with your estate planning needs.

  • Personal Trust Services
  • Life Insurance Trusts
  • Estates and Guardianships
  • Agency Services

Please contact us for more information.


Kids Klub


Annual Events

Valentine’s Day Cards
Spring Coloring Contest
Favorite Teacher Essay Contest
Teach Children to Save Program
Magic Easter Egg Hunt
End-of-School Year Grade Check
Ice Cream Social with Chester the Clown
Little Settlers Land Run
Halloween Contest
Thanksgiving Contest
Christmas Bicycle Giveaway
Ornament Decorating with Quigley

The First Bank Kids Klub was formed with the goal of teaching children the importance of saving for the future. This club is designed for children ages 0-12 years old. MEMBERSHIP IS FREE!

Winners of our contests receive prizes or savings certificates to be deposited into their First Bank accounts. We also give our members a special gift during their birthday month.

If you are not yet a member of the Kids Klub, stop by First Bank for your enrollment form. You will receive a membership certificate and be added to our fun mailing list. We look forward to getting to know you!!



Other Services

  • Abstract Safekeeping
  • ATM
  • Automatic Sweep
  • Cashiers Checks
  • Collections - Outgoing & Incoming
  • Copy Machine Available
  • Discount Brokerage
  • Direct Deposit
  • Escrow Services
  • Fax Machine Available
  • Indemnity Bonds
  • Lock Bags
  • Notary Service
  • Personalized Checks and Deposit Books
  • Precious Metals
  • State Quarter Collector Sets
  • Trust Services
  • Vault Safekeeping
  • Visa Gift Cards
  • Visa / Mastercard
  • Wire Transfers
  • Zipper Bags


*If you have a specific question regarding your First Bank account or you have a question that requires you to provide account or personal information, please DO NOT send an email. We advise you NOT to send sensitive personal information through unencrypted email. Please call any of our friendly bankers at 580.336.5562 who will be happy to assist you during regular banking hours.

IMPORTANT NOTICE: We will never ask you to verify your personal or account information via an unsolicited email or telephone call. Please visit our Privacy Statement for more information regarding protecting your personal and financial information.