First National Bank & Trust Company of McAlester

Headquarters: McAlester, Oklahoma
Charter: Bank
Assets: $580.4M
Fed district: Kansas City

26 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 17, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
First National Bank & Trust Company of McAlester: $5
First National Bank & Trust Company of McAlester: $5
U.S. median: no median
Overdraft (OD)
First National Bank & Trust Company of McAlester: $23
First National Bank & Trust Company of McAlester: $23
U.S. median: no median
NSF / Returned Item
First National Bank & Trust Company of McAlester: $23
First National Bank & Trust Company of McAlester: $23
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 17, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Oklahoma, the Kansas City district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Oklahoma: Banks and credit unions headquartered in Oklahoma that publish the fee.
Kansas City district: Banks and credit unions headquartered in the Kansas City Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from First National Bank & Trust Company of McAlester’s own schedules, with a source for each figure.

Account Maintenance

E-Checking Monthly service charge$5
per month
Monthly minimum balance fee$7
per month
Account Closure Fee - if account is closed within 90 days of opening$15
Dormant Account Charge$5
per month
Inactive Account Charge$5
per month
Account Balancing$20
Not compared: Charged per hour; comparison unavailable
per hour
Excessive Transaction Fee - First High Yield Money Market$10
per transaction
Excessive Transaction Fee - First Savings & Traditional Savings$5
per transaction
Return Mail Processing Fee/Bad or Inaccurate address.$25

Overdraft & NSF

Overdraft Paid NSF item: Checking$23
per item
Return NSF Item Charge$23
per item
Automatic Transfer Fee - Overdraft Protection Bill Paying - 1st Pay and 1st Pay Blue$10
per item

ATM & Card

ATM Transaction Fee or Balance Inquiry (ATM - not owned by FNB)$1
per item
ATM/Debit Card Replacement, all card types$5
per item

Wire Transfers

Wire Transfers: Outgoing (Domestic)$15
per item
Wire Transfers: Incoming (Domestic)$5
per item
Wire Transfers: Outgoing (Foreign)$55
per item
Wire Transfers: Incoming (Foreign)$10
per item

Check Services

Cashier's Checks - Customer$3
per item
Money Orders - Customer$2
per item
Stop Pay Fee$25
per item
Counter Checks, if no checks ordered$0.50
per item

Digital & Electronic

Bill Pay - Free when 3 or more bills are paid per monthNo charge
per month
Bill Pay - Less than 3 bills paid per month$5.95
per month

Cash & Deposit

Deposited Items Returned Unpaid: Charge Back Fee - ALL ACCOUNTS$3
per item
Night Depository Agreement - One time set up fee$25
per item

Account Services

Drilling Fee$185
Not compared: Box drilling or key fee
Safe Deposit Box 10x10$50
per year
Safe Deposit Box 13x21$125
per year
Safe Deposit Box 15x10$50
per year
Safe Deposit Box 3x10$25
per year
Safe Deposit Box 3x5$12
per year
Safe Deposit Box 5x10$30
per year
Safe Deposit Box 5x5$17
per year
Safe Deposit Box 7x10$45
per year
Garnishment, Levies and other forms of legal process affecting your account$25
per item

Gift & Prepaid Cards

Gift Card - Customer$3.95
per item

Other Fees

Copy of Account Statement$3
per item

Fee	Amount	Basis	Note
Account Maintenance
E-Checking Monthly service charge	$5	per month	None
Monthly minimum balance fee	$7	per month	None
Account Closure Fee - if account is closed within 90 days of opening	$15	Not stated	None
Dormant Account Charge	$5	per month	None
Inactive Account Charge	$5	per month	None
Account Balancing	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Excessive Transaction Fee - First High Yield Money Market	$10	per transaction	None
Excessive Transaction Fee - First Savings & Traditional Savings	$5	per transaction	None
Return Mail Processing Fee/Bad or Inaccurate address.	$25	Not stated	None
Overdraft & NSF
Overdraft Paid NSF item: Checking	$23	per item	None
Return NSF Item Charge	$23	per item	None
Automatic Transfer Fee - Overdraft Protection Bill Paying - 1st Pay and 1st Pay Blue	$10	per item	None
ATM & Card
ATM Transaction Fee or Balance Inquiry (ATM - not owned by FNB)	$1	per item	None
ATM/Debit Card Replacement, all card types	$5	per item	None
Wire Transfers
Wire Transfers: Outgoing (Domestic)	$15	per item	None
Wire Transfers: Incoming (Domestic)	$5	per item	None
Wire Transfers: Outgoing (Foreign)	$55	per item	None
Wire Transfers: Incoming (Foreign)	$10	per item	None
Check Services
Cashier's Checks - Customer	$3	per item	None
Money Orders - Customer	$2	per item	None
Stop Pay Fee	$25	per item	None
Counter Checks, if no checks ordered	$0.50	per item	None
Digital & Electronic
Bill Pay - Free when 3 or more bills are paid per month	No charge	per month	None
Bill Pay - Less than 3 bills paid per month	$5.95	per month	None
Cash & Deposit
Deposited Items Returned Unpaid: Charge Back Fee - ALL ACCOUNTS	$3	per item	None
Night Depository Agreement - One time set up fee	$25	per item	None
Account Services
Drilling Fee	$185Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10x10	$50	per year	None
Safe Deposit Box 13x21	$125	per year	None
Safe Deposit Box 15x10	$50	per year	None
Safe Deposit Box 3x10	$25	per year	None
Safe Deposit Box 3x5	$12	per year	None
Safe Deposit Box 5x10	$30	per year	None
Safe Deposit Box 5x5	$17	per year	None
Safe Deposit Box 7x10	$45	per year	None
Garnishment, Levies and other forms of legal process affecting your account	$25	per item	None
Gift & Prepaid Cards
Gift Card - Customer	$3.95	per item	None
Other Fees
Copy of Account Statement	$3	per item	None

Correct a fee source

Oct 17, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

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