Checking Accounts

We have an account to fit your needs! Give us a call, contact us, or stop by any of our locations. We would be happy to earn your business.

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Harvest Checking

A harvest of valued services! Benefits include free wallet Harvest Account checks (3 boxes per year), safe deposit box discounts, free money orders and cashier's checks (5 per month), optional benefit requiring separate enrollment for identity theft protection, plus many more services! Ask us for details.

No transaction limitations
No minimum balance requirements
$100 opening deposit required
$8.50 per month service charge
No charges for ATM transactions at First National Bank in Cimarron locations
No charges for online banking and bill payment services

man holding cell phone and smiling with backpack

Free Checking

The no frills account! Simple and Easy!

No monthly service charge
No transaction limitations
No minimum balance requirements
$50 opening deposit required
No charges for online banking and bill payment services
Itemized statements with no images of checks or deposit slips
No charges for ATM transactions at First National Bank in Cimarron locations

Student Checking

A checking account designed just for students to learn the basics of money management!

No monthly service charge
No transaction limitations
No minimum balance requirements
$50 opening deposit required
No charges for ATM transactions at First National Bank in Cimiarron locations
No charges for online banking and bill payment services

older couple sitting on the couch and pointing at a piggy bank

Senior Checking

The checking account designed for our valued customers over age 65!

No monthly service charge
No transaction limitations
No minimum balance requirements
No charges for online banking and bill payment services
No Charges for ATM transactions at First National Bank in Cimarron locations

NOW Account

A checking account that earns interest while you enjoy easy access to your funds!

$1,000 opening deposit required
Interest bearing*
No monthly service charge with minimum daily balance of $1,000
Monthly fee of $10.00 if balance falls below $1,000
No charges for ATM transactions at First National Bank in Cimarron locations
No charges for online banking and bill payment services
Corporations, partnerships and for profit organizations not eligible
No charge for the first 30 withdrawals per statement cycle, $.15 per item charge over 30 withdrawals, this includes electronic items

*RATE Information - this account is an interest bearing account. Contact the bank for the current interest rate and annual percentage yield. Rates vary by deposit amount.

business woman standing in her bread shop

Business Checking

Managing a business is challenging, the right checking account makes it easier!

$500.00 opening deposit required
$5.00 per month service charge
An earnings credit of $.20 per $100 average collected balance will be applied against the service charges
Per ledger item fees of $.19, this includes electronic items and $.09 per foreign item fees