Verified

Fees on this page were checked against the institution's own published fee schedule. Benchmark scores use verified fees only.

Community bank, $300M to $1B

First National Bank & Trust Company of McAlester

McAlester, OklahomaBankKansas City Fed districtFees collected Oct 4, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Verified fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Account Balancing$20Within the typical range ($15–$25 nationally)

Knox deterministic extraction from Rosetta artifact #4931. canonical_hint=account_research; text_hash=8ca921524ac4f336cbb69c3409f7cf1d9097d62f12cd67e38ce6e4ee2e6c833a; excerpt="Account Balancing | $20.00 per hour" · Source

Account Closure Fee - if account is closed within 90 days of opening.$15

At the national median

Knox deterministic extraction from Rosetta artifact #4931. canonical_hint=early_closure; text_hash=8ca921524ac4f336cbb69c3409f7cf1d9097d62f12cd67e38ce6e4ee2e6c833a; excerpt="Account Closure Fee - if account is closed within 90 days of opening. | $15.00" · Source

Dormant Account Charge$5

At the national median

per month · Knox deterministic extraction from Rosetta artifact #4931. canonical_hint=dormant_account; text_hash=8ca921524ac4f336cbb69c3409f7cf1d9097d62f12cd67e38ce6e4ee2e6c833a; excerpt="Dormant Account Charge | $5.00 per month" · Source

Return Mail Processing Fee/Bad or Inaccurate address.$25

$5 above the national median

Overdraft & NSFVerified

Overdraft Paid NSF item: Checking$23Within the typical range ($20–$30 nationally)
$5 below the national median
per item · Knox deterministic extraction from Rosetta artifact #4931. canonical_hint=overdraft; text_hash=8ca921524ac4f336cbb69c3409f7cf1d9097d62f12cd67e38ce6e4ee2e6c833a; excerpt="Overdraft Paid NSF item: Checking | $23.00 per item" · Source
Return NSF Item Charge$23Below the typical range ($25–$32 nationally)
$6 below the national median
per item · Knox deterministic extraction from Rosetta artifact #4931. canonical_hint=nsf; text_hash=8ca921524ac4f336cbb69c3409f7cf1d9097d62f12cd67e38ce6e4ee2e6c833a; excerpt="Return NSF Item Charge | $23.00 per item" · Source

ATM & CardVerified

ATM Transaction Fee (FNB owned & FNB customer) | $$0Below the typical range ($1–$3 nationally)
$1.50 below the national median
Knox read a free fee from Rosetta artifact #4931. canonical_hint=atm_non_network; text_hash=8ca921524ac4f336cbb69c3409f7cf1d9097d62f12cd67e38ce6e4ee2e6c833a; excerpt="ATM Transaction Fee (FNB owned & FNB customer) | $ N/C" · Source
ATM/Debit Card Issue with custom image$10Above the typical range ($1–$3 nationally)
$8.50 above the national median
Knox deterministic extraction from Rosetta artifact #4931. canonical_hint=atm_non_network; text_hash=8ca921524ac4f336cbb69c3409f7cf1d9097d62f12cd67e38ce6e4ee2e6c833a; excerpt="ATM/Debit Card Issue with custom image | $10.00 each" · Source
ATM/Debit Card Issue with stock image$5Above the typical range ($1–$3 nationally)
$3.50 above the national median
Knox deterministic extraction from Rosetta artifact #4931. canonical_hint=atm_non_network; text_hash=8ca921524ac4f336cbb69c3409f7cf1d9097d62f12cd67e38ce6e4ee2e6c833a; excerpt="ATM/Debit Card Issue with stock image | $5.00 each" · Source
ATM/Debit Card Replacement, all card types$5Within the typical range ($5–$10 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #4931. canonical_hint=card_replacement; text_hash=8ca921524ac4f336cbb69c3409f7cf1d9097d62f12cd67e38ce6e4ee2e6c833a; excerpt="ATM/Debit Card Replacement, all card types | $5.00 each" · Source

Wire TransfersVerified

Wire Transfers: Incoming (Domestic)$5Below the typical range ($7.75–$15 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #4931. canonical_hint=wire_domestic_incoming; text_hash=8ca921524ac4f336cbb69c3409f7cf1d9097d62f12cd67e38ce6e4ee2e6c833a; excerpt="Incoming (Domestic) | $5.00 each" · Source
Wire Transfers: Incoming (Foreign)$10Within the typical range ($10–$25 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #4931. canonical_hint=wire_intl_incoming; text_hash=8ca921524ac4f336cbb69c3409f7cf1d9097d62f12cd67e38ce6e4ee2e6c833a; excerpt="Incoming (Foreign) | $10.00 each" · Source
Wire Transfers: Outgoing (Domestic)$15Below the typical range ($20–$25 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #4931. canonical_hint=wire_domestic_outgoing; text_hash=8ca921524ac4f336cbb69c3409f7cf1d9097d62f12cd67e38ce6e4ee2e6c833a; excerpt="Outgoing (Domestic) | $15.00 each" · Source
Wire Transfers: Outgoing (Foreign)$55Above the typical range ($40–$50 nationally)
$5 above the national median
Knox deterministic extraction from Rosetta artifact #4931. canonical_hint=wire_intl_outgoing; text_hash=8ca921524ac4f336cbb69c3409f7cf1d9097d62f12cd67e38ce6e4ee2e6c833a; excerpt="Outgoing (Foreign) | $55.00 each" · Source

Check ServicesVerified

Cashier's Checks - Customer$3Within the typical range ($3–$6 nationally)
$2 below the national median
Knox deterministic extraction from Rosetta artifact #4931. canonical_hint=cashiers_check; text_hash=8ca921524ac4f336cbb69c3409f7cf1d9097d62f12cd67e38ce6e4ee2e6c833a; excerpt="Cashier's Checks - Customer | $3.00 each" · Source
Counter Checks, if checks ordered | $$0Below the typical range ($1–$4 nationally)
$2 below the national median
Knox read a free fee from Rosetta artifact #4931. canonical_hint=counter_check; text_hash=8ca921524ac4f336cbb69c3409f7cf1d9097d62f12cd67e38ce6e4ee2e6c833a; excerpt="Counter Checks, if checks ordered | $ N/C" · Source
Counter Checks, if no checks ordered$0.50Below the typical range ($1–$4 nationally)
$1.50 below the national median
Knox deterministic extraction from Rosetta artifact #4931. canonical_hint=counter_check; text_hash=8ca921524ac4f336cbb69c3409f7cf1d9097d62f12cd67e38ce6e4ee2e6c833a; excerpt="Counter Checks, if no checks ordered | $0.50 each" · Source
Money Orders - Customer$2Within the typical range ($2–$3.50 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #4931. canonical_hint=money_order; text_hash=8ca921524ac4f336cbb69c3409f7cf1d9097d62f12cd67e38ce6e4ee2e6c833a; excerpt="Money Orders - Customer | $2.00 each" · Source

Digital & ElectronicVerified

Bill Pay - Less than 3 bills paid per month$5.95Within the typical range ($0–$12.50 nationally)
$0.95 above the national median
per month · Knox deterministic extraction from Rosetta artifact #4931. canonical_hint=bill_pay; text_hash=8ca921524ac4f336cbb69c3409f7cf1d9097d62f12cd67e38ce6e4ee2e6c833a; excerpt="Bill Pay - Less than 3 bills paid per month | $5.95 per month" · Source

Cash & DepositVerified

Deposited Items Returned Unpaid: Charge Back Fee - ALL ACCOUNTS$3Below the typical range ($9.50–$25 nationally)
$12 below the national median
per item · Knox deterministic extraction from Rosetta artifact #4931. canonical_hint=deposited_item_return; text_hash=8ca921524ac4f336cbb69c3409f7cf1d9097d62f12cd67e38ce6e4ee2e6c833a; excerpt="Deposited Items Returned Unpaid: Charge Back Fee - ALL ACCOUNTS | $3.00 per item" · Source
Night Depository Agreement - One time set up fee$25Above the typical range ($5–$20 nationally)
$11.25 above the national median
Knox deterministic extraction from Rosetta artifact #4931. canonical_hint=night_deposit; text_hash=8ca921524ac4f336cbb69c3409f7cf1d9097d62f12cd67e38ce6e4ee2e6c833a; excerpt="Night Depository Agreement - One time set up fee | $25.00 each agreement" · Source

Account ServicesVerified

10x10$50Within the typical range ($25–$80 nationally)
$10 above the national median
per year · Knox deterministic extraction from Rosetta artifact #4931. canonical_hint=safe_deposit_box; text_hash=8ca921524ac4f336cbb69c3409f7cf1d9097d62f12cd67e38ce6e4ee2e6c833a; excerpt="10x10 | $50.00 per year" · Source
13x21$125Above the typical range ($25–$80 nationally)
$85 above the national median
per year · Knox deterministic extraction from Rosetta artifact #4931. canonical_hint=safe_deposit_box; text_hash=8ca921524ac4f336cbb69c3409f7cf1d9097d62f12cd67e38ce6e4ee2e6c833a; excerpt="13x21 | $125.00 per year" · Source
3x10$25Within the typical range ($25–$80 nationally)
$15 below the national median
per year · Knox deterministic extraction from Rosetta artifact #4931. canonical_hint=safe_deposit_box; text_hash=8ca921524ac4f336cbb69c3409f7cf1d9097d62f12cd67e38ce6e4ee2e6c833a; excerpt="3x10 | $25.00 per year" · Source
3x5$12Below the typical range ($25–$80 nationally)
$28 below the national median
per year · Knox deterministic extraction from Rosetta artifact #4931. canonical_hint=safe_deposit_box; text_hash=8ca921524ac4f336cbb69c3409f7cf1d9097d62f12cd67e38ce6e4ee2e6c833a; excerpt="3x5 | $12.00 per year" · Source
5x10$30Within the typical range ($25–$80 nationally)
$10 below the national median
per year · Knox deterministic extraction from Rosetta artifact #4931. canonical_hint=safe_deposit_box; text_hash=8ca921524ac4f336cbb69c3409f7cf1d9097d62f12cd67e38ce6e4ee2e6c833a; excerpt="5x10 | $30.00 per year" · Source
5x5$17Below the typical range ($25–$80 nationally)
$23 below the national median
per year · Knox deterministic extraction from Rosetta artifact #4931. canonical_hint=safe_deposit_box; text_hash=8ca921524ac4f336cbb69c3409f7cf1d9097d62f12cd67e38ce6e4ee2e6c833a; excerpt="5x5 | $17.00 per year" · Source
7x10$45Within the typical range ($25–$80 nationally)
$5 above the national median
per year · Knox deterministic extraction from Rosetta artifact #4931. canonical_hint=safe_deposit_box; text_hash=8ca921524ac4f336cbb69c3409f7cf1d9097d62f12cd67e38ce6e4ee2e6c833a; excerpt="7x10 | $45.00 per year" · Source
Drilling Fee$185Above the typical range ($25–$80 nationally)
$145 above the national median
Knox deterministic extraction from Rosetta artifact #4931. canonical_hint=safe_deposit_box; text_hash=8ca921524ac4f336cbb69c3409f7cf1d9097d62f12cd67e38ce6e4ee2e6c833a; excerpt="Drilling Fee | $185.00 per box" · Source
Garnishment, Levies and other forms of legal process affecting your account$25Within the typical range ($25–$75 nationally)
$25 below the national median
Knox deterministic extraction from Rosetta artifact #4931. canonical_hint=garnishment_levy; text_hash=8ca921524ac4f336cbb69c3409f7cf1d9097d62f12cd67e38ce6e4ee2e6c833a; excerpt="Garnishment, Levies and other forms of legal process affecting your account | $25.00 each" · Source

Gift & Prepaid CardsVerified

Gift Card - Customer$3.95Within the typical range ($3–$4.95 nationally)
$0.32 above the national median
Knox deterministic extraction from Rosetta artifact #4931. canonical_hint=gift_card_purchase; text_hash=8ca921524ac4f336cbb69c3409f7cf1d9097d62f12cd67e38ce6e4ee2e6c833a; excerpt="Gift Card - Customer | $3.95 each" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Balancing	$20Within the typical range ($15–$25 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #4931. canonical_hint=account_research; text_hash=8ca921524ac4f336cbb69c3409f7cf1d9097d62f12cd67e38ce6e4ee2e6c833a; excerpt="Account Balancing \| $20.00 per hour"	Source
Account Closure Fee - if account is closed within 90 days of opening.	$15Within the typical range ($10–$25 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #4931. canonical_hint=early_closure; text_hash=8ca921524ac4f336cbb69c3409f7cf1d9097d62f12cd67e38ce6e4ee2e6c833a; excerpt="Account Closure Fee - if account is closed within 90 days of opening. \| $15.00"	Source
Dormant Account Charge	$5Within the typical range ($5–$10 nationally)	At the national median	per month	Knox deterministic extraction from Rosetta artifact #4931. canonical_hint=dormant_account; text_hash=8ca921524ac4f336cbb69c3409f7cf1d9097d62f12cd67e38ce6e4ee2e6c833a; excerpt="Dormant Account Charge \| $5.00 per month"	Source
Return Mail Processing Fee/Bad or Inaccurate address.	$25Within the typical range ($15–$25 nationally)	$5 above the national median	—	Knox deterministic extraction from Rosetta artifact #4931. canonical_hint=account_research; text_hash=8ca921524ac4f336cbb69c3409f7cf1d9097d62f12cd67e38ce6e4ee2e6c833a; excerpt="Return Mail Processing Fee/Bad or Inaccurate address. \| $25.00"	Source
Overdraft & NSFVerified
Overdraft Paid NSF item: Checking	$23Within the typical range ($20–$30 nationally)	$5 below the national median	per item	Knox deterministic extraction from Rosetta artifact #4931. canonical_hint=overdraft; text_hash=8ca921524ac4f336cbb69c3409f7cf1d9097d62f12cd67e38ce6e4ee2e6c833a; excerpt="Overdraft Paid NSF item: Checking \| $23.00 per item"	Source
Return NSF Item Charge
ATM & CardVerified
ATM Transaction Fee (FNB owned & FNB customer) \| $	$0Below the typical range ($1–$3 nationally)	$1.50 below the national median	—	Knox read a free fee from Rosetta artifact #4931. canonical_hint=atm_non_network; text_hash=8ca921524ac4f336cbb69c3409f7cf1d9097d62f12cd67e38ce6e4ee2e6c833a; excerpt="ATM Transaction Fee (FNB owned & FNB customer) \| $ N/C"	Source
ATM/Debit Card Issue with custom image
Wire TransfersVerified
Wire Transfers: Incoming (Domestic)	$5Below the typical range ($7.75–$15 nationally)	$5 below the national median	—	Knox deterministic extraction from Rosetta artifact #4931. canonical_hint=wire_domestic_incoming; text_hash=8ca921524ac4f336cbb69c3409f7cf1d9097d62f12cd67e38ce6e4ee2e6c833a; excerpt="Incoming (Domestic) \| $5.00 each"	Source
Wire Transfers: Incoming (Foreign)
Check ServicesVerified
Cashier's Checks - Customer	$3Within the typical range ($3–$6 nationally)	$2 below the national median	—	Knox deterministic extraction from Rosetta artifact #4931. canonical_hint=cashiers_check; text_hash=8ca921524ac4f336cbb69c3409f7cf1d9097d62f12cd67e38ce6e4ee2e6c833a; excerpt="Cashier's Checks - Customer \| $3.00 each"	Source
Counter Checks, if checks ordered \| $
Digital & ElectronicVerified
Bill Pay - Less than 3 bills paid per month	$5.95Within the typical range ($0–$12.50 nationally)	$0.95 above the national median	per month	Knox deterministic extraction from Rosetta artifact #4931. canonical_hint=bill_pay; text_hash=8ca921524ac4f336cbb69c3409f7cf1d9097d62f12cd67e38ce6e4ee2e6c833a; excerpt="Bill Pay - Less than 3 bills paid per month \| $5.95 per month"	Source
Cash & DepositVerified
Deposited Items Returned Unpaid: Charge Back Fee - ALL ACCOUNTS	$3Below the typical range ($9.50–$25 nationally)	$12 below the national median	per item	Knox deterministic extraction from Rosetta artifact #4931. canonical_hint=deposited_item_return; text_hash=8ca921524ac4f336cbb69c3409f7cf1d9097d62f12cd67e38ce6e4ee2e6c833a; excerpt="Deposited Items Returned Unpaid: Charge Back Fee - ALL ACCOUNTS \| $3.00 per item"	Source

Account ServicesVerified
10x10	$50Within the typical range ($25–$80 nationally)	$10 above the national median	per year	Knox deterministic extraction from Rosetta artifact #4931. canonical_hint=safe_deposit_box; text_hash=8ca921524ac4f336cbb69c3409f7cf1d9097d62f12cd67e38ce6e4ee2e6c833a; excerpt="10x10 \| $50.00 per year"	Source
13x21	$125
Gift & Prepaid CardsVerified
Gift Card - Customer	$3.95Within the typical range ($3–$4.95 nationally)	$0.32 above the national median	—	Knox deterministic extraction from Rosetta artifact #4931. canonical_hint=gift_card_purchase; text_hash=8ca921524ac4f336cbb69c3409f7cf1d9097d62f12cd67e38ce6e4ee2e6c833a; excerpt="Gift Card - Customer \| $3.95 each"	Source

Fee change alerts

Get an email when First National Bank & Trust Company of McAlester changes a fee

One email when a verified fee you follow changes. Nothing else unless you ask for it.

Work at First National Bank & Trust Company of McAlester? Benchmark it against peers, free

Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

Overdraft

$23

Overdraft fee: $23

18% below the national median overdraft fee

Total fees: 31

Verified fees

Under review

Assets

$580.4M

Work at First National Bank & Trust Company of McAlester? See every fee vs. your peers.

The Competitive Fee Position Report: every fee on this page benchmarked against a verified peer set, in a board-ready document. free, delivered in 48 hours.

Get your free report Correct or add a fee source

Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$580.4M

Total deposits

$504.2M

Service charge income

$257K

Fee income ratio

4.0%

Return on assets

2.00%

Branches

Service charge income by quarter

Q2 2026$257K

Q1 2026$238K

Q4 2025$251K

Q3 2025$256K

Financial profile · Pro

Performance from regulator filings

Night Depository Agreement - One time set up fee

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

Unlock all 58 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.

Based on 20,792 verified fees from 2,117 institutions

See pricing