We are closing at 12:00 P.M for Christmas Eve. If you are processing an ACH, a payroll or a wire transfer transaction, the cutoff time will be 11:00 am on Wednesday, December 24th. Have a Merry Christmas!

Personal Banking

Savings CD/IRAs


Call Wichita Falls
Call Southlake
- 940.696.3000 -
- 817.481.0158 -

Certificates of Deposit

Guarantee your earnings when you lock in your interest rate!

  • Maturities ranging from 30 days to 60 months
  • Minimum deposit for maturities of one year or less is $1,000 and $500 for maturities over one year
  • Interest can be added back to principal, paid directly by check to you, or deposited into another FNB account
  • Early withdrawal penalties apply
  • Click here for current rates on Certificates of Deposit!

Individual Retirement Plans

Take advantage of tax deferred and/or tax-deductible investment opportunities!

  • Traditional, Coverdell Education Accounts, Roth IRAs available
  • Rollover IRAs
  • Long-term interest compounding
  • Perfect for retirement or education savings!
  • Click here for current rates and terms on IRAs