vs. U.S. typical range:LowerTypicalHigher
$2.50 below the national medianAt the Oklahoma median
At the national medianAt the Oklahoma median
per month · Source
$2.50 above the national medianAt the Oklahoma median
$7.50 below the national median$10 below the Oklahoma median
per transaction · Knox extract.rules v31 categorized a line held for review from Rosetta artifact #4931. canonical_hint=account_research; text_hash=8ca921524ac4f336cbb69c3409f7cf1d9097d62f12cd67e38ce6e4ee2e6c833a; excerpt="Excessive Transaction Fee - First High Yield Money Market | $10.00 per transaction" · Source
$7.50 above the national median$5 above the Oklahoma median
$7 below the national median$4 below the Oklahoma median
per item · Source
$7 below the national median$4.25 below the Oklahoma median
per item · Source
$5 above the national median$5 above the Oklahoma median
per item · Source
$0.50 below the national medianAt the Oklahoma median
per item · Source
$8.50 above the national median$9 above the Oklahoma median
per item · Source
$3.50 above the national median$4 above the Oklahoma median
per item · Source
$5 below the national median$2.50 below the Oklahoma median
per item · Source
$10 below the national median$3.95 below the Oklahoma median
per item · Source
$5 below the national median$5 below the Oklahoma median
per item · Source
$5 above the national median$5 above the Oklahoma median
per item · Source
$10 below the national median$15 below the Oklahoma median
per item · Source
$2 below the national median$2 below the Oklahoma median
per item · Source
At the national median$1 below the Oklahoma median
per item · Source
$1.50 below the national median$0.50 below the Oklahoma median
per item · Source
$2.50 below the national median$3.25 below the Oklahoma median
per month · Source
$3.45 above the national median$2.70 above the Oklahoma median
per month · Source
$12 below the national median$2.95 below the Oklahoma median
per item · Source
$15 above the national median$20 above the Oklahoma median
per item · Source
$140 above the national median$145 above the Oklahoma median
$5 above the national median$10 above the Oklahoma median
per year · Source
$80 above the national median$85 above the Oklahoma median
per year · Source
$20 below the national median$15 below the Oklahoma median
per year · Source
$33 below the national median$28 below the Oklahoma median
per year · Source
$15 below the national median$10 below the Oklahoma median
per year · Source
$28 below the national median$23 below the Oklahoma median
per year · Source
At the national median$5 above the Oklahoma median
per year · Source
$25 below the national medianAt the Oklahoma median
per item · Source
$0.45 above the national median$0.52 below the Oklahoma median
per item · Source
Swipe for source and notes →
| Fee | Amount | vs medians | Basis | Note | Source |
|---|---|---|---|---|---|
Account MaintenanceVerified | |||||
| Account Closure Fee | $15Within the typical range ($10–$25 nationally) | $2.50 below the national medianAt the Oklahoma median | — | — | Source |
| Dormant Account Charge | $5Within the typical range ($5–$10 nationally) | At the national medianAt the Oklahoma median | per month | — | Source |
| Account Balancing | $20Within the typical range ($12–$25 nationally) | $2.50 above the national medianAt the Oklahoma median | — | — | Source |
| Excessive Transaction Fee - First High Yield Money Market | $10Below the typical range ($12–$25 nationally) | $7.50 below the national median$10 below the Oklahoma median | per transaction | Knox extract.rules v31 categorized a line held for review from Rosetta artifact #4931. canonical_hint=account_research; text_hash=8ca921524ac4f336cbb69c3409f7cf1d9097d62f12cd67e38ce6e4ee2e6c833a; excerpt="Excessive Transaction Fee - First High Yield Money Market | $10.00 per transaction" | Source |
| Return Mail Processing Fee/Bad or Inaccurate address. | $25Within the typical range ($12–$25 nationally) | $7.50 above the national median$5 above the Oklahoma median | — | — | Source |
Overdraft & NSFVerified | |||||
| Overdraft Paid NSF item: Checking | $23Below the typical range ($25–$33 nationally) | $7 below the national median$4 below the Oklahoma median | per item | — | Source |
| Return NSF Item Charge | $23 | ||||
ATM & CardVerified | |||||
| ATM Transaction Fee or Balance Inquiry (ATM - not owned by FNB) | $1Within the typical range ($1–$2.25 nationally) | $0.50 below the national medianAt the Oklahoma median | per item | — | Source |
| ATM/Debit Card Issue with custom image | $10 | ||||
Wire TransfersVerified | |||||
| Wire Transfers: Outgoing (Domestic) | $15Below the typical range ($20–$25 nationally) | $10 below the national median$3.95 below the Oklahoma median | per item | — | Source |
| Wire Transfers: Incoming (Domestic) | $5 | ||||
Check ServicesVerified | |||||
| Cashier's Checks - Customer | $3Within the typical range ($3–$6 nationally) | $2 below the national median$2 below the Oklahoma median | per item | — | Source |
| Money Orders - Customer | $2 | ||||
Digital & ElectronicVerified | |||||
| Bill Pay - Free | $0Within the typical range ($0–$9.95 nationally) | $2.50 below the national median$3.25 below the Oklahoma median | per month | — | Source |
| Bill Pay - Less than 3 bills paid per month | $5.95 | ||||
Cash & DepositVerified | |||||
| Deposited Items Returned Unpaid: Charge Back Fee - ALL ACCOUNTS | $3Below the typical range ($8–$25 nationally) | $12 below the national median$2.95 below the Oklahoma median | per item | — | Source |
| Night Depository Agreement - One time set up fee | $25 | ||||
Account ServicesVerified | |||||
| Drilling Fee | $185Above the typical range ($30–$70 nationally) | $140 above the national median$145 above the Oklahoma median | — | — | Source |
| Safe Deposit Box 10x10 | $50 | ||||
Gift & Prepaid CardsVerified | |||||
| Gift Card - Customer | $3.95Within the typical range ($3–$4.95 nationally) | $0.45 above the national median$0.52 below the Oklahoma median | per item | — | Source |
Overdraft
$23.00
Of 34 others that publish it, 7 lower, 1 the same and 26 higher.
Fee change alerts
One email when a verified fee you follow changes. Nothing else unless you ask for it.
Headline fees vs. national median
Overdraft
$23
Headline fees published
10 of 15
Published fees
33
Under review
0
Assets
$580.4M
Work at First National Bank & Trust Company of McAlester? See every fee vs. your peers.
Fee Insight Pro
Need this every month, for your whole team?
Pro gives up to 5 people the Hamilton workspace: your fees against peers you pick, a watchlist of competitor fee changes, and cited board-ready reports.
Financial Context
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
6
Service charge income by quarter
Financial profile · Pro
Unlock all 50 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.
| $7 below the national median$4.25 below the Oklahoma median |
| per item |
| — |
| Source |
| Automatic Transfer Fee - Overdraft Protection Bill Paying - 1st Pay and 1st Pay Blue | $10Above the typical range ($2.50–$5 nationally) | $5 above the national median$5 above the Oklahoma median | per item | — | Source |
| $8.50 above the national median$9 above the Oklahoma median |
| per item |
| — |
| Source |
| ATM/Debit Card Issue with stock image | $5Above the typical range ($1–$2.25 nationally) | $3.50 above the national median$4 above the Oklahoma median | per item | — | Source |
| ATM/Debit Card Replacement, all card types | $5Within the typical range ($5–$10 nationally) | $5 below the national median$2.50 below the Oklahoma median | per item | — | Source |
| $5 below the national median$5 below the Oklahoma median |
| per item |
| — |
| Source |
| Wire Transfers: Outgoing (Foreign) | $55Above the typical range ($40–$50 nationally) | $5 above the national median$5 above the Oklahoma median | per item | — | Source |
| Wire Transfers: Incoming (Foreign) | $10Within the typical range ($10–$25 nationally) | $10 below the national median$15 below the Oklahoma median | per item | — | Source |
| At the national median$1 below the Oklahoma median |
| per item |
| — |
| Source |
| Counter Checks | $0.50Below the typical range ($1–$4 nationally) | $1.50 below the national median$0.50 below the Oklahoma median | per item | — | Source |
| $3.45 above the national median$2.70 above the Oklahoma median |
| per month |
| — |
| Source |
| $15 above the national median$20 above the Oklahoma median |
| per item |
| — |
| Source |
| $5 above the national median$10 above the Oklahoma median |
| per year |
| — |
| Source |
| Safe Deposit Box 13x21 | $125Above the typical range ($30–$70 nationally) | $80 above the national median$85 above the Oklahoma median | per year | — | Source |
| Safe Deposit Box 3x10 | $25Below the typical range ($30–$70 nationally) | $20 below the national median$15 below the Oklahoma median | per year | — | Source |
| Safe Deposit Box 3x5 | $12Below the typical range ($30–$70 nationally) | $33 below the national median$28 below the Oklahoma median | per year | — | Source |
| Safe Deposit Box 5x10 | $30Within the typical range ($30–$70 nationally) | $15 below the national median$10 below the Oklahoma median | per year | — | Source |
| Safe Deposit Box 5x5 | $17Below the typical range ($30–$70 nationally) | $28 below the national median$23 below the Oklahoma median | per year | — | Source |
| Safe Deposit Box 7x10 | $45Within the typical range ($30–$70 nationally) | At the national median$5 above the Oklahoma median | per year | — | Source |
| Garnishment, Levies and other forms of legal process affecting your account | $25Below the typical range ($30–$90 nationally) | $25 below the national medianAt the Oklahoma median | per item | — | Source |