on First National Bank

Due to increased fraud in New York state, FNB is blocking all non-pinned debit card transactions originating from there.
If you are planning travel to New York, please call customer service for additional information.

Commercial Banking

Free Checking

Call Wichita Falls
Call Southlake
– 940.696.3000 –
– 817.481.0158 –

Budget easily with no monthly fee and generous transaction limits!

Minimum to open:


  • No minimum balance requirement
  • No monthly service fee*
  • Allows 100 no charge deposited items and 50 no charge debit items
  • Excess transaction fee of $0.30 per deposited item and $0.30 per debit item
  • Business Debit Card available
  • E-Statements with images

*The Fee referenced above may not include additional transactional fees that may be incurred by the Customer or Account as part of specific requested activities or events. Examples include Overdraft Fees, ACH Transfer Fees, Wire Transfer Fees, Cashier Check Fees, as well as other requests from our Customers that may not be covered under the base fee referenced above. Please see our RATES AND FEES section of this website for additional information.