First Texoma National Bank

Headquarters: Durant, Oklahoma
Charter: Bank
Assets: $225.4M
Fed district: Kansas City

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

Source: its fee schedule, read Oct 11, 2026.

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Fees against the market

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

Overdraft (OD)
First Texoma National Bank: $35
First Texoma National Bank: $35
U.S. median: no median
NSF / Returned Item
First Texoma National Bank: $35
First Texoma National Bank: $35
U.S. median: no median
Wire Transfer (Domestic Out)
First Texoma National Bank: $20
First Texoma National Bank: $20
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 11, 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 Texoma National Bank’s own schedules, with a source for each figure.

Account Maintenance

Monthly service fee (balance falls below $50.00)$5
per month
Inactive Account Fee$5
per month
Account Research$25
Not compared: Charged per hour; comparison unavailable
per hour
Excess transaction fee$10
per item
Undeliverable/Returned Mail$5
per month

Overdraft & NSF

Overdraft Fees$35
Returned Item Fees$35

ATM & Card

Debit Card Replacement$10

Wire Transfers

Domestic Wire Transfers -- Outgoing$20
Domestic Wire Transfers -- Incoming$5
International Wire Transfers$45

Check Services

Cashier's Checks -- Customer$5
Cashier's Checks -- Non Customer (exchanging a good on-us check)$10
Stop Payments$35
per item
Collection Items$10
per item
Check Image Copy$3
per item

Digital & Electronic

ACH Batch Origination$7.50

Cash & Deposit

Chargeback items$15

Account Services

Drill Box Fee$200
Not compared: Box drilling or key fee
Tax Levy and garnishment fee$150
Verification of Deposits/Audit Confirmation$20
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly service fee (balance falls below $50.00)	$5	per month	None
Inactive Account Fee	$5	per month	None
Account Research	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Excess transaction fee	$10	per item	None
Undeliverable/Returned Mail	$5	per month	None
Overdraft & NSF
Overdraft Fees	$35	Not stated	None
Returned Item Fees	$35	Not stated	None
ATM & Card
Debit Card Replacement	$10	Not stated	None
Wire Transfers
Domestic Wire Transfers -- Outgoing	$20	Not stated	None
Domestic Wire Transfers -- Incoming	$5	Not stated	None
International Wire Transfers	$45	Not stated	None
Check Services
Cashier's Checks -- Customer	$5	Not stated	None
Cashier's Checks -- Non Customer (exchanging a good on-us check)	$10	Not stated	None
Stop Payments	$35	per item	None
Collection Items	$10	per item	None
Check Image Copy	$3	per item	None
Digital & Electronic
ACH Batch Origination	$7.50	Not stated	None
Cash & Deposit
Chargeback items	$15	Not stated	None
Account Services
Drill Box Fee	$200Not compared: Box drilling or key fee	Not stated	None
Tax Levy and garnishment fee	$150	Not stated	None
Verification of Deposits/Audit Confirmation	$20	per item	None

Correct a fee source

Oct 11, 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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