Checking accounts to meet your needs

No matter which account you choose, rest easy knowing that we are on your side and ready to help.

First Rewards Checking

$100 to open

Interest-bearing

No monthly maintenance fee

Bonus rate paid and non-FNBBA ATM fees refunded up to two (2) per statement cycle if qualifications are met1





Free Checking

  • $100 to open
  • No monthly maintenance fee

Grow Getter Checking

  • $100 to open
  • Interest-bearing
  • No monthly maintenance fee for minors (ages 13-18)
  • $5 monthly maintenance fee for those over the age of 18, waived if qualifications are met2

Investment Checking

  • $1,500 to open
  • Interest-bearing
  • Tiered monthly maintenance fee schedule3

Features and Benefits

  • Online and Mobile Banking
  • Mobile Deposit
  • Online Bill Pay
  • eStatements
  • Account Alerts
  • Visa® Debit Card
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Earn 5.00% APR on balances up to $1,000

Maximized your earnings with the Grow Getter Checking account. Designed for individuals aged 13 to 30, it's exactly what you need to turn your money into more money


Bank anytime, anywhere

Your money is at your fingertips, whether at home, at work, or on the go.

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1First Rewards Checking Qualifications
  • At least one (1) ACH (electronic) deposit or withdrawal posted and settled within the statement cycle
  • At least ten (10) debit card transactions processed as Point of Sale (POS/non-PIN based), posted and settled within the statement cycle (transactions processed by merchants as ATM do not qualify)
  • Enrolled in eStatements
2Grow Getter Checking Qualifications
  • At least five (5) debit card transactions processed as Point of Sale (POS/non-PIN based) and totaling at least $25, posted and settled within the statement cycle (transactions processed by merchants as ATM do not qualify)
  • Enrolled in eStatements
3Investment Checking Monthly Maintenance Fee Schedule
  • None if a $1,500 minimum balance is maintained
  • $3 if the minimum balance is $1,000-$1,499.99
  • $7 if the minimum balance is $500-$999.99
  • $10 if the minimum balance is $499.99 or less

APY indicates Annual Percentage Yield. APY is accurate as of 6/2023.  Rates may change after the account is opened.  Balances up to $1,000 earn 5.00% APY, balances above $1,000 earn .25% APY. Account fees could reduce earnings. Limit 1 account per Tax ID.  Account will be converted to an interest-bearing checking account within 12 months after the 30th birthday of the account holder(s). Parent or legal guardian must be co-owner on account for minor. Please contact us at 918-251-5371 for more information.


All accounts, including Free Checking, are subject to a $32 Overdraft Fee and assessed when there are insufficient funds in the account to cover: checks, electronic funds transfers, authorized payments, and other withdrawals. The account must be brought to a positive balance at least once every 30 days. We may refuse to pay an overdraft at any time, even though the account is in good standing and even though we may have previously paid overdrafts on the account.

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