Personal Checking
Whether you'd like a basic checking account or one that provides you with lots of useful features, TNB offers checking accounts to fit your lifestyle. And all of our personal checking accounts come with a host of free features and benefits to help you get and maximize your financial resources.
| Classic Checking | Prime Time Banking |
| Free Checking | Direct Deposit |
| Super NOW Account | Balance & Rate Info |
| Health Savings Account | Applicable Fees & Charges |
Classic Checking
Traditional checking account, with check images returned in your monthly statement. No service charges apply when an average available balance of $1,000 or greater is maintained. Free TransFund ATM card or Debit card available with account.
- Unlimited checkwriting
- Unlimited use of TransFund ATM card or TransFund Check card
- $7.50 monthly maintenance fee, applies if the minimum balance falls below $1,000 for the monthly cycle
- Introductory check order is free
- Special low-cost checks available
- Checks images returned in the monthly statement
Free Checking
There are no monthly maintenance fees or minimum balance requirements. Monthly statement details your transactions. TransFund ATM card or Debit card available with account.
- Unlimited checkwriting
- Unlimited use of TransFund ATM card or TransFund Check card
Super NOW Account
Interest-bearing checking with check images returned in your monthly statement. Ideal for individuals, joint accounts and non-profit organizations. No service charges apply for average available balance of $2,500 or more. Free TransFund ATM card or Debit card available with account.
- Unlimited checkwriting
- Unlimited use of TransFund ATM card or TransFund Check card
- $7.50 monthly maintenance fee, applies if the minimum balance falls below $2,500 for the monthly cycle
Health Savings Account
Interest-bearing checking account for individuals who participate in a high-deductible health plan (HDHP). Special HSA debit card and checks are issued with account for payment of medical expenses. Tiered interest rates ensure that as the balance in your account increases, so does your interest. Check with your accountant for eligibility requirements.
| Service charge description: | |
| $10.00 | <$1,000 average available balance |
| None | ≥$1,000 average available balance |
Prime Time Banking
Tulsa National offers a package of financial services specifically designed to meet the needs of those who are at least 60 years of age and better.
To qualify for the many benefits of Prime Time Banking, the account owner must have a Tulsa National Checking, Money Market or Super NOW Account and open the account with a minimum deposit of $100.
Prime Time Banking features:
- Non-interest checking is free, while Super NOW Account and Money Market Account service charges can be offset by meeting minimum balance requirements
- Unlimited check-writing privileges are featured with non-interest checking and Super NOW Accounts. Money Market Account offers limited check-writing privileges and unlimited ATM and in-person teller withdrawals.
- Free Prime Time Banking checks
- Free monthly Check Image Statements, featuring enlarged check images
- Bonus of .10 on sheet-rate CDs
- Free 3 x 10 safe deposit box (or one-half off on larger boxes)
- Free Cashier's Checks
- Free single-signature Travelers Checks
- Free Incoming wires
- Free Online Banking & Online BillPay
- Free Notary Services
- Free TransFund ATM/Check card
Direct Deposit
Direct deposit provides a safe, convenient way for an employer or a government agency to send funds directly to your account. It's as easy as having your employer or government agency electronically deposit your paycheck or government checks directly into your Tulsa National Bank checking or savings account – and have access to your funds faster.
Just think, no more waiting in a teller line to cash a check or make a deposit and no worries about your check being lost in the mail. Also, if you are sick or on vacation, you will have peace of mind knowing your paycheck or government payment will be automatically deposited into your account.
Balance & Rate Info
- $100 minimum balance to open account
- We use the average available balance method to calculate the minimum balance for service charges applicable to your account.
- We use the average available balance method to calculate interest on your account. This method applies a periodic rate to the average available balance in the account for the statement cycle.
- The interest rate and annual percentage yield (APY) may change at any time, at the bank's discretion.
- Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).
- Interest is credited monthly at the end of each statement cycle.
- If you close your account before interest is credited, you will not receive the accrued interest.
Fees & Charges Applicable to All Checking Accounts
| Insufficient Item (NSF paid or returned) | $25.00 |
| Returned Deposit Item Charge | $3.00 |
| Stop Payment Request | $20.00 |
| Dormant Account Fee | $10.00 |
| Card issuance or replacement charge for ATM/Debit card | $5.00 |
| Check printing fees may vary depending upon the style of checks ordered. |
