pay loan NO monthly service fee and NO minimum balance.**
What do I need to open an account?
Open an Account Online
Open an online bank account with First Oklahoma and start earning interest today.
Convenient checking and savings options rolled into one account. Get started with just a $50 opening deposit.
- No monthly service fee**
- No minimum balance requirement*
- Earn a competitive interest rate for every dollar*
Additional benefits include:
- Security alerts
- No ATM fees at Oklahoma QuikTrip locations***
- Manage transactions 24/7 in the First Oklahoma mobile app.
You'll receive your debit card automatically within 7-10 days after opening your account.
FAQs
New customers will need the following:
- Driver's license: We'll need to take a picture of it later in the process.
- Social security number: We will need your SSN and a few personal details to create your profile.
- A few answers: Be ready to answer a few authentication questions before setting up your account.
- A funding source: We'll use Plaid® to help you login to an existing account and move money to your new one.
Existing customers will need your online banking login information.
- An opening deposit can be made by transfer after the account is established.
Yes! You can add up to 3 joint owners when opening a new account online.
If you need to open an alternate ownership type such as a trust or need to add PODs to the account, please complete the opening process and then contact us via chat, phone, or visit a branch and we can update the ownership type.
Of course!
All of our convenient tools are available to you in-person, online, or over the phone.
One of the fastest ways to get service on your account is to chat with us in the mobile app. From there, we can provide technical assistance, send and receive documents, or set an appointment with a banker.
Not yet. Currently online account opening is limited to personal accounts with single or joint ownership. Business account options will be added in the future.
Seriously. The Smart 1 account has no monthly service fee regardless of your balance.
Sign up for eStatements in the mobile app or online to avoid a $5 monthly charge for paper statements.
*Click HERE to see the current Smart 1 rate sheet. Rate may change after account is opened. $50.00 minimum opening deposit required. Fees may reduce earnings.
**Smart 1 accounts offer free eStatements. Enroll online or in the mobile app to avoid a $5 monthly charge for paper statements.
***Accept the fee at the terminal, and the charge will be refunded to your account during processing at the end of the business day
Member FDIC. Please see FDIC: Federal Deposit Insurance Corporation for coverages and limits