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Are you interested in opening checking and savings accounts? Check out the convenient banking services we offer at Idabel National Bank in Idabel, OK. Whether you need an account for yourself or your business, you can count on us to provide you with full assistance. We also offer loans and other financial solutions at rates that are easy on the pocketbook.
Checking and Savings Accounts
Go Green Checking
Limitations: You must deposit $100.00 to open this account. Enrollment in E-Statements is required for this account. The images of your checks will be included in your monthly E-Statement. This account will be closed if the daily balance drops below $10.00 and remains under $10.00 for a period of 60 days. Price of initial check order, “The Welcome Pack”, is $9.16.
Unlimited Checking
Limitations: You must deposit $200.00 to open this account.
Account Fees: If the daily balance drops below $500.00 any day of the statement cycle, a service charge of $8.00 will be assessed. Price of initial check order, “The Welcome Pack”, is $9.16.
Premier Club
Limitations: You must deposit $200.00 to open this account.
Account Fees: The monthly service charge on this account is $12.00.
Prime Time Club
Limitations: You must deposit $200.00 to open this account.
Account Fees: The monthly service charge on this account is $5.00.
Advantage Checking
Advantage Checking is our interest-bearing checking account for PERSONAL use only. Minimum opening balance is $1,000.00. If the balance drops below $1,000.00 any day during the statement cycle, a $10.00 service charge will be assessed.
Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.
Limitations: You must deposit $1,000.00 to open this account.
Account Fees: If the daily balance in your account drops below $1,000.00 any day of the statement cycle, a service charge of $10.00 will be assessed. Interest paid on minimum daily balance of $1,000.00. Price of initial check order, “The Welcome Pack”, is $10.15.
Rate Information: Contact us for current rates.
Performance MMA
Performance MMA is a limited transaction account. A minimum balance of $2,500.00 is required to avoid a service charge. This account draws a higher interest rate than Advantage Checking.
Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.
Limitations: You must deposit $2,500.00 to open this account. You are allowed three (3) debits per statement cycle at no charge. A $2.50 fee will be charged for additional debit during the statement cycle. Federal regulations allow for up to six (6) debit transactions from your account per statement cycle or four (4) week period. If you exceed the transaction limit, federal regulations may require the bank to change this account to a transaction account.
Account Fees: If the daily balance in your account drops below $2,500.00 any day of the statement cycle, a service charge of $12.50 will be assessed. Interest paid on minimum daily balance of $1,000.00. Price of initial check order, “The Welcome Pack”, is $10.15.
Rate Information: Contact us for current rates.
Regular Savings
Personal Savings give you easy access to your funds, a market rate of interest, and FDIC insurance – a winning combination.
Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.
Limitations: You must deposit $200.00 to open this account. You are allowed three (3) withdrawals and/or transfers per quarter at no charge. A charge of $2.50 will be assessed for each withdrawal and transfer in excess of the three per quarter. You are allowed unlimited in-person withdrawals from your savings account. However, federal regulations limit the number of transfers you may make from your savings account. The regulations limit the number of transfers from your savings account to six (6) in a four (4) week period. If you exceed the transfer limit three times in a 12-month period, the regulations require the bank to either change this account to a transaction account or close it. No withdrawals or transfers allowed for seven (7) business days on new accounts.
Account Fees: If the daily balance in your account drops below $100.00 any day of the statement cycle, a service charge of $5.00 will be assessed.
Rate Information: Contact us for current rates.
Kids Club Express
Kids Club Express allows you to start saving for the future with only a small opening deposit. This account is limited to children ages birth to 10 years. (This account is subject to change to a Regular Savings account upon the child’s 11th birthday or upon exceeding the maximum balance allowed.) Only one Kid’s Club Account allowed per child.
Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.
Limitations: You must deposit $25.00 to open this account. You may not deposit more than $500.00 into this account. We encourage you to make at least 1 deposit per month; however, the maximum balance allowed is $500.00. Only one Kid’s Club Account per child. No withdrawals allowed for the first six months; thereafter, two withdrawals per year.
Rate Information: Contact us for current rates.
Business Checking
Business Checking is available to all customers who engage in commercial activities. If the balance drops below $5,000.00 any day during the statement cycle, a $12.50 service charge will be assessed. High activity accounts may be subject to an additional service charge.
Limitations: You must deposit $200.00 to open this account.
Account Fees: If the daily balance in your account drops below $5,000.00 any day during the statement cycle, a service charge of $12.50 will be assessed. High activity accounts may be subject to an additional service charge.
Business Advantage
This interest-bearing account is available to owners of sole proprietorships for business purposes. (Corporations, Partnerships and Limited Liability Companies are prohibited by federal regulation from opening an interest-bearing checking account.) The minimum opening balance is $1,000.00. If the daily balance drops below $10,000.00 during the statement cycle, a service charge of $12.50 will be assessed. High activity accounts may be subject to an additional service charge.
Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.
Limitations: You must deposit $1,000.00 to open this account.
Account Fees: If the daily balance drops below $10,000.00 any day of the statement cycle, a service charge of $12.50 will be assessed. High activity accounts may be subject to an additional service charge.
Rate Information: Contact us for current rates.
30 Day CD
Basic Information: Minimum deposit is $10,000. Maximum deposit is $1,000,000. Withdrawals made before maturity are subject to a fee equal to one (1) month's interest. Account matures in 30 days. If you do not select the automatic renewal option, the funds will no longer earn interest after maturity.
Balance Information: We use the daily balance method to calculate the interest on this account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $10,000 in the account each day to obtain the annual percentage yield. Contact us for interest rate information.
91 Day CD
Basic Information: Minimum deposit is $1,000. Maximum deposit is $1,000,000. Withdrawals made before maturity are subject to a fee equal to one (1) month's interest. Account matures in 91 days. If you do not select the automatic renewal option, the funds will no longer earn interest after maturity.
Balance Information: We use the daily balance method to calculate the interest on this account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $1,000 in the account each day to obtain the annual percentage yield. Contact us for interest rate information.
182 Day CD
Basic Information: Minimum deposit is $1,000. Maximum deposit is $1,000,000. Withdrawals made before maturity are subject to a fee equal to one (1) month's interest. Account matures in 182 days. If you do not select the automatic renewal option, the funds will no longer earn interest after maturity.
Balance Information: We use the daily balance method to calculate the interest on this account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $1,000 in the account each day to obtain the annual percentage yield. Contact us for interest rate information.
12 Month CD
Basic Information: Minimum deposit is $1,000. Maximum deposit is $1,000,000. Withdrawals made before maturity are subject to a fee equal to three (3) months' interest. Account matures in 12 months. If you do not select the automatic renewal option, the funds will no longer earn interest after maturity.
Balance Information: We use the daily balance method to calculate the interest on this account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $1,000 in the account each day to obtain the annual percentage yield. Contact us for interest rate information.
18 Month CD
Basic Information: Minimum deposit is $1,000. Maximum deposit is $1,000,000. Withdrawals made before maturity are subject to a fee equal to three (3) months' interest. Account matures in 18 months. If you do not select the automatic renewal option, the funds will no longer earn interest after maturity.
Balance Information: We use the daily balance method to calculate the interest on this account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $1,000 in the account each day to obtain the annual percentage yield. Contact us for interest rate information.
30 Month CD
Basic Information: Minimum deposit is $1,000. Maximum deposit is $1,000,000. Withdrawals made before maturity are subject to a fee equal to three (3) months' interest. Account matures in 30 months. If you do not select the automatic renewal option, the funds will no longer earn interest after maturity.
Balance Information: We use the daily balance method to calculate the interest on this account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $1,000 in the account each day to obtain the annual percentage yield. Contact us for interest rate information.
Traditional IRA
Basic Information: Minimum deposit is $1,000. Interest will be compounded quarterly and will be credited quarterly. If you withdraw any of the principal before the maturity date, we will impose a penalty of 30 days interest.
Balance Information: We use the daily balance method to calculate interest on this account. This method applies a daily periodic rate to the principal in the account each day.
Roth IRA
Basic Information: Minimum deposit is $1,000. Interest will be compounded quarterly and will be credited quarterly. If you withdraw any of the principal before the maturity date, we will impose a penalty of 30 days interest.
Balance Information: We use the daily balance method to calculate interest on this account. This method applies a daily periodic rate to the principal in the account each day.
The following fee applies to all of your accounts with us except Certificates of Deposit and Time Deposit Accounts
Account Closed Within 30 Days of Opening: $15.00
The following fees apply to Checking, NOW Accounts, and Money Market Accounts
Charge Back Deposit: $3.00 per item
Cash Management Transfer: $5.00
Stop Payment on Check or ACH Debit: $25.00
Return Unauthorized POS Debit: $25.00
The following fees apply to Checking, NOW Accounts, and Savings Accounts
Replace ATM/Debit PIN: $3.00
Replace ATM/Debit Card: $5.00
Low Bal. Check Cashing: 2% ($5.00 Minimum)
The following fee applies to Go Green Checking, Unlimited Checking, Advantage Checking, and Performance MMA Accounts
Initial Check Order: $10.15
The following fee applies to Go Green Checking, Unlimited Checking, Premier Club, Prime Time Club, Advantage Checking, Performance MMA, Kids Club Express, and Business Checking Accounts
Insufficient Check: $23.00 per NSF Paid Charge or NSF Return Charge
The following fee applies to Go Green Checking, Unlimited Checking, Premier Club, Prime Time Club, Advantage Checking, Performance MMA, Regular Savings, Kids Club Express, and Business Checking Accounts
Dorman Account Fee: $5.00 per statement cycle on accounts that remain below $100.00 without activity for a period greater than 366 days.
Checks
Cashier’s Checks (Available to Current Customers Only): $3.00
Temp. Check Encoding: $0.50 each
Stop Payment: $25.00
Account Services
Return Unauthorized POS Debit: $25.00
Return Unauthorized ACH Debit: $25.00
Research: $20.00 per hour
Photocopies: $1.00 each
Reproduce One Year Statements and Images: Minimum $100.00
Computer Printout: $1.00 per page
Garnishment Response: $25.00
Bank Bags
Lock Bag: $25.00
Zipper Bag: $5.00
Wire Transfers
Outgoing (Available to Current Customers Only): $25.00
Foreign Outgoing (Available to Current Customers Only): $50.00
Other
Dormant Account Fee: $5.00 per statement cycle on accounts that remain below $100.00 for a period greater than 366 days.
Coin Rolling: $0.10 per roll
Fax Transmission: $5.00
Stop Payment / Cashier’s Check (Purchase date must be, at least, 60 days prior to replacement): $25.00
Stop Payment / Money Order (Purchase date must be, at least, 60 days prior to replacement): $25.00
Loans
The first step in obtaining a consumer loan at Idabel National Bank is to fill out an application. A loan officer will review your application and make a decision, in most cases, within 24 hours.
Boats, recreational vehicles, new or used cars and trucks, refinancing, vacations, and various other consumer items
Short-Term Working Capital
Marketable Business Equipment or Inventory
Assignment of Accounts Receivable
Commercial Real Estate
Loans secured by a 1st Mortgage or Improved Business, or Residential Properties
Home Improvement Loans secured by Real Estate
Interim Construction Loan with permanent take-out or pre-qualified for permanent financing
Loans to Farmers and/or Ranchers for Operating Capital secured by livestock, crops, or for purchase of equipment
Loans secured by the cash surrender value of a life insurance policy
Loans secured by Assignment of Savings Account or Certificate of Deposits (CDs)
Electronic Banking
Check balances
View recent transactions
Transfer money
Anytime from anywhere 24/7/365
Free to all INB accountholders
Access your account instantly through your mobile devices
Check your balance
View recent transactions
Transfer money
Pay bills
Manage your debit card (freeze or cancel your card, if needed)
Free to all INB accountholders
All from the convenience of your smartphone or tablet
Access up to five years of statements (including check images)
Never lose a bank statement again
Free to all INB accountholders
Equipped with chip technology for increased security
Transactions posted in real time
Earn rewards for non-PIN purchases with our Extra Awards Program*
Pay your bills electronically through INB Online Banking
Never worry about late payments again
Try it for FREE with a nominal fee after the first 90 days
NOTE: Customers already enrolled in our internet banking product, will only need to complete the Billpay Sign-up Form.
Customers without our internet banking product must complete both forms if interested in Online Billpay.
Billpay is OPTIONAL.
UserID: security
Password: first
Ask About Our Banking Solutions
Do you have inquiries about our checking and savings accounts? Perhaps you would like to know more about the other financial services we offer? Feel free to reach us using the phone number or email address listed on this website.
Business Info.
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Idabel National Bank
1201 SE Washington St.
Idabel, OK 74745
Contact Info.
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Hours of Operation
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Lobby Hours
Monday to Friday: 9:00 AM – 4:00 PM
Saturday to Sunday: Closed
Drive-Thru Hours
Monday to Friday: 8:00 AM – 6:00 PM
Saturday :8:00 AM – 1:00 PM
Sunday: Closed