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.

Personal Banking

Over Draft Protection

Call Wichita Falls
Call Southlake
– 940.696.3000 –
– 817.481.0158 –

Put your mind at ease and save the personal embarrassment and costly fees that can often occur when you overdraft your account – for whatever reason!


  • No annual fee*
  • Fixed, competitive interest rate
  • Pay interest only on funds transferred to handle insufficient items
  • Credit lines up to $4,999**
  • Detailed monthly statement

*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.
**approved credit lines based on creditworthiness of the borrower. Please contact your loan officer.