Picture of Runestone outside of Heavener, OK.

Fee Schedule

*It won't be Greek to you.

The Runestone near Heavener, OK, isn't written in Greek, and neither are our fees.  We are putting them right here, so when they happen, you'll know what's going on.  Not all fees apply to every account type.  Please check the Truth in Savings brochure and/or fee schedule you received when you opened your First National Bank account or request a current fee schedule from our office to determine which fees apply to your account.  We may have fees, but we make sure they aren't Greek to you.

Type of Fee Amount
Account Research Fee
Bill Pay Inactivity Fee
$25.00 per 1/2 hour, $10 minimum
$5.95 per month after 60 days of inactivity 
Central Card Issue Fee
Cashier's Check Fee
Charge-Back Fee
Check Printing Fee
varies by style of check ordered
Collection Fee - Incoming
Collection Fee - Outgoing
Daily Overdraft Fee
(Beginning 1st business day of overdraft)
Dormant Fee - Checking
Dormant Fee - Savings
Early Account Closure Fee
$5.00 per month after 6 months of inactivity
$5.00 per month after 2 years of inactivity
$10.00 (within 90 days of opening)
Fax Fee
Foreign ATM Transaction
Instant Card Issue Fee
Legal Processing - Garnishment
Legal Processing - Levy
Money Order
Night Deposit Zipper Bag
Night Deposit Lock Bag


Notary Fee
Overdraft Fee (per presentment)**
Photo Copy Fee
Return NSF Item Fee (per presentment)**
Special Statement Cut-Off Fee
Statement Printout Fee
Stop Payment Fee
Sweep Transaction Charge
$7.50 per transaction
Telephone Transfer
Temporary Check Fee
$1.00 (page of 4)
Wire Transfers - Foreign
Wire Transfers - Incoming
Wire Transfers - Outgoing
*The fee schedule on this page is for informational purposes only and is not meant to replace the Truth-in-Savings Disclosure agreement received at time of account opening.
**An NSF / Overdraft fee will be charged per item for covering overdrafts created by check or draft, in-person withdrawal, ATM withdrawal, or other electronic means.