The First Farmers National Bank of Waurika

Headquarters: Waurika, Oklahoma
Charter: Bank
Assets: $55.5M
Fed district: Kansas City

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

Source: its fee schedule, read Oct 15, 2026.

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Fees against the market

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

Monthly Maintenance
Compared at $8.25, the middle of its prices
The First Farmers National Bank of Waurika: $8 to $8.50
The First Farmers National Bank of Waurika: $8 to $8.50
U.S. median: no median
Overdraft (OD)
The First Farmers National Bank of Waurika: $20
The First Farmers National Bank of Waurika: $20
U.S. median: no median
Non-Network ATM
The First Farmers National Bank of Waurika: $1
The First Farmers National Bank of Waurika: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 15, 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 The First Farmers National Bank of Waurika’s own schedules, with a source for each figure.

Account Maintenance

Monthly fee$8.50
per month
Monthly fee (audience not stated, treated as personal)$8
per month
Penalty for falling below the minimum balance (audience not stated, treated as personal)$8
Dormant Account Fee#$15
Not compared: Quarterly charge, not monthly
per quarter

Overdraft & NSF

Overdrafts Paid (per item)$20
per item

ATM & Card

Foreign ATM use (non bank owned)$1
Replacement Card or PIN$5

Check Services

Cashiers Check$5
Money Orders$3
Stop Payments$10
Stop Payments for over $100.00$20

Account Services

Tax Levy and Garnishment$25

Other Fees

Fax Service$1

Fee	Amount	Basis	Note
Account Maintenance
Monthly fee	$8.50	per month	None
Monthly fee (audience not stated, treated as personal)	$8	per month	None
Penalty for falling below the minimum balance (audience not stated, treated as personal)	$8	Not stated	None
Dormant Account Fee#	$15Not compared: Quarterly charge, not monthly	per quarter	None
Overdraft & NSF
Overdrafts Paid (per item)	$20	per item	None
ATM & Card
Foreign ATM use (non bank owned)	$1	Not stated	None
Replacement Card or PIN	$5	Not stated	None
Check Services
Cashiers Check	$5	Not stated	None
Money Orders	$3	Not stated	None
Stop Payments	$10	Not stated	None
Stop Payments for over $100.00	$20	Not stated	None
Account Services
Tax Levy and Garnishment	$25	Not stated	None
Other Fees
Fax Service	$1	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Account Maintenance

Dormant Account Fee#$15
Not compared: Quarterly charge, not monthly
per quarter

Overdraft & NSF

Overdrafts Paid (per item)$20
per item
Daily Fee OD Commercial account$2
per day

ATM & Card

Foreign ATM use (non bank owned)$1
Replacement Card or PIN$5

Check Services

Cashiers Check$5
Money Orders$3
Stop Payments$10
Stop Payments for over $100.00$20

Account Services

Tax Levy and Garnishment$25

Other Fees

Fax Service$1

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account Fee#	$15Not compared: Quarterly charge, not monthly	per quarter	None
Overdraft & NSF
Overdrafts Paid (per item)	$20	per item	None
Daily Fee OD Commercial account	$2	per day	None
ATM & Card
Foreign ATM use (non bank owned)	$1	Not stated	None
Replacement Card or PIN	$5	Not stated	None
Check Services
Cashiers Check	$5	Not stated	None
Money Orders	$3	Not stated	None
Stop Payments	$10	Not stated	None
Stop Payments for over $100.00	$20	Not stated	None
Account Services
Tax Levy and Garnishment	$25	Not stated	None
Other Fees
Fax Service	$1	Not stated	None

Correct a fee source

Oct 15, 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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Fees against the market

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

Monthly Maintenance
Compared at $8.25, the middle of its prices
The First Farmers National Bank of Waurika: $8 to $8.50
The First Farmers National Bank of Waurika: $8 to $8.50
U.S. median: no median
Overdraft (OD)
The First Farmers National Bank of Waurika: $20
The First Farmers National Bank of Waurika: $20
U.S. median: no median
Non-Network ATM
The First Farmers National Bank of Waurika: $1
The First Farmers National Bank of Waurika: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 15, 2026View sources

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.

Published fee schedule

Amounts from The First Farmers National Bank of Waurika’s own schedules, with a source for each figure.

Account Maintenance

Monthly fee$8.50
per month
Monthly fee (audience not stated, treated as personal)$8
per month
Penalty for falling below the minimum balance (audience not stated, treated as personal)$8
Dormant Account Fee#$15
Not compared: Quarterly charge, not monthly
per quarter

Overdraft & NSF

Overdrafts Paid (per item)$20
per item

ATM & Card

Foreign ATM use (non bank owned)$1
Replacement Card or PIN$5

Check Services

Cashiers Check$5
Money Orders$3
Stop Payments$10
Stop Payments for over $100.00$20

Account Services

Tax Levy and Garnishment$25

Other Fees

Fax Service$1

Fee	Amount	Basis	Note
Account Maintenance
Monthly fee	$8.50	per month	None
Monthly fee (audience not stated, treated as personal)	$8	per month	None
Penalty for falling below the minimum balance (audience not stated, treated as personal)	$8	Not stated	None
Dormant Account Fee#	$15Not compared: Quarterly charge, not monthly	per quarter	None
Overdraft & NSF
Overdrafts Paid (per item)	$20	per item	None
ATM & Card
Foreign ATM use (non bank owned)	$1	Not stated	None
Replacement Card or PIN	$5	Not stated	None
Check Services
Cashiers Check	$5	Not stated	None
Money Orders	$3	Not stated	None
Stop Payments	$10	Not stated	None
Stop Payments for over $100.00	$20	Not stated	None
Account Services
Tax Levy and Garnishment	$25	Not stated	None
Other Fees
Fax Service	$1	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Account Maintenance

Dormant Account Fee#$15
Not compared: Quarterly charge, not monthly
per quarter

Overdraft & NSF

Overdrafts Paid (per item)$20
per item
Daily Fee OD Commercial account$2
per day

ATM & Card

Foreign ATM use (non bank owned)$1
Replacement Card or PIN$5

Check Services

Cashiers Check$5
Money Orders$3
Stop Payments$10
Stop Payments for over $100.00$20

Account Services

Tax Levy and Garnishment$25

Other Fees

Fax Service$1

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account Fee#	$15Not compared: Quarterly charge, not monthly	per quarter	None
Overdraft & NSF
Overdrafts Paid (per item)	$20	per item	None
Daily Fee OD Commercial account	$2	per day	None
ATM & Card
Foreign ATM use (non bank owned)	$1	Not stated	None
Replacement Card or PIN	$5	Not stated	None
Check Services
Cashiers Check	$5	Not stated	None
Money Orders	$3	Not stated	None
Stop Payments	$10	Not stated	None
Stop Payments for over $100.00	$20	Not stated	None
Account Services
Tax Levy and Garnishment	$25	Not stated	None
Other Fees
Fax Service	$1	Not stated	None

Correct a fee source

Oct 15, 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.