Fort Sill National Bank is a full service bank initially established in 1942 for the banking needs of Fort Sill’s military community. Since then it has opened up its product and service offerings to the wider Fort Sill, Oklahoma community.
The bank offers multiple checking accounts to meet various demands, from student to reward to senior checking account options. It has limited savings and money market account offerings and makes available CDs and IRA CDs with term lengths from 30 days to 60 months.
Fort Sill National Bank online banking gives customers an e-banking platform from which to access accounts, transfer money, and pay bills. The online banking package is free initially, but a monthly fee applies for usage after a certain period of time.
Fort Sill National Bank is headquartered in Fort Sill, Oklahoma, and operates branches in multiple states. It has received banking awards from various military branches for its banking services.
Great Bank With Great Staff!
I've never had trouble with FSNB! I bank all-online and they've been the best bank I have ever used. I have NOT had one problem since I've banked with them. There customer service is phenomenal, there mobile app is decent, easy too use! They offer a variety of amazing products/accounts that fits you're needs as a customer. One thing I love is they do NOT use chexsystems, or ews which is amazing!!! I am also a Elite customer and love it! Amazing perks come with it and I have the E-Standard and the account is awesome! I plan on upgrading by next year too the E-Advance!
This bank is fantastic! I would definitely recommend them 100% Best bank I used!
Thank you, FSNB!!!
Horrible Customer Service
The customer service is really horrible. The wait time at some of the branches is absolutely ridiculous!!!! This really needs to be addressed. Employees need a lot more customer service training!!!!
Deposits Department
This Bank absolutely the worse!! It’s a waste of time please put your money and Buisness elsewhere!!! Customer service is rude, they’ll tell you whatever but it doesn’t follow policy! They held my check after declining because I called them out on it and said Melissa should resign for all the money she stopped from being deposited. After calling her out she then accepted my check and placed a 7 day hold, I’ve been a customer for 8 months and there’s always an issue although policy states my check should be available next Buisness day! I don’t recommend to anyone! And the fees to service doesn’t add up
Loans Dept
I'm so disappointed. I was denied a loan with my bank.I have been banking with for over 15 years.When skip was loan officer I received 4 or more loans.Fsnb was like a family to me.I started with fsnb making 8.40 per hour.now I'm making 25 per hour. I applied for under 2k.an was denied for the 1st time.i am disappointed I was in a rut.dealing with bone cancer.but I still had my checks faithfully coming at fsnb only.
Don't Get Sucked In By The Rate
I jumped on this bank because of the 7% interest rate on their savings account. Simple enough to open an account but then when I was looking to transfer money from an external account to my FSNB account, that is nowhere to be found. I chatted with a rep that says they don't have the ability to link external accounts (even though I had to go through a verification process with my external account to fund the FSNB account) and the only way to withdraw the funds was through Cash App, PayPal, or a cashier's check which comes with a $7.50 charge.
This bank is probably ok for people that live near a branch, but if you are looking to get the best rate, don't bother with FSNB.
Their app is archaic, the chats are less than helpful and the fact that they don't have a way to send money to external accounts or transfer in from sources outside of their own ecosphere makes it a big flop.
FSNB Checking Acocunt
Don't ever get an account with this bank because ever since I have been with them fro mday one I signed up they have declined e ery transaction because of fraud. No it is not visa or my other visa debit cards would be doing the same thing. It is the bank
I have been stranded before trying to get gas and they decline transaction.
On Line Check Depositing Is A Scam
You start depositing checks with their online banking the first field go through with no problems and then they'll start saying they can't get in touch with certain Banks so they put a 7-Day hold on your check which is about 10 regular days cuz it's 7 working days, they will then offer you a chance to pay $15 to get your check to go through in seven regular days, literally holding your check for ransom, then they will start doing it to every check, when you start to ask questions they'll say all you're getting too many checks we're going to report you as a business and you can no longer put checks in our bank, they are complete fraud buyer beware!
Data as of Q1 2025
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| FDIC Certificate # | 16416 |
| Year Established | 1946 |
| Employees | 570 |
| Primary Regulator | OCC |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 2.2% |
| Return on Equity - YTD | 14.41% |
| Annual Interest Income | $4MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $463.2MM$468.3MM |
| Loans | Q1 2025vs Q1 2024 | $149.1MM$152.4MM |
| Deposits | Q1 2025vs Q1 2024 | $374.5MM$379.6MM |
| Equity Capital | Q1 2025vs Q1 2024 | $70.5MM$66.1MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $2.7MM$2.8MM |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $363K$652K |
| Real Estate Owned | Q1 2025vs Q1 2024 | $3.1MM$3.1MM |
