First National Bank of Oklahoma

Great Bank

Banking at a local bank is nice at times because they seem to know you on more of a person level vs using a big bank where you are just another customer. They will personally call you if they see any suspicious activity on your account and go ahead and take the right steps to ensure your account will remain safe. Another good thing they do is offer refunds for ATM charge fees which I also like. The biggest downfall with using a small local bank is that when going on vacation or out of the country you have a very hard time getting your card to work even when you notify them you will be using it out of the state. Another big issue I have is they will only allow a set amount of ATM withdraw so if they are closed for the weekend or a holiday and you need cash for a big item you can get the money out that you need to and if you attempt more than allowed it freezes your account until they are back in regular office hours. Overall it isn't too bad banking with a small local bank.