Idabel National Bank

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          Where your dreams become… Reality!

          ☎ 580-286-7656☎ 580-286-7656

          Our Banking Services


          Get Financial Solutions From Us!

          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

          Personal Checking Accounts


          Go Green Checking

          Go Green Checking is for individuals and non-profit organizations (not available for business use) who wish to go paperless and eliminate their service charge.
           

          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.


          Unlimited Checking

          Unlimited Checking is our standard checking account. Minimum opening balance is $200.00. No service charge on balances above $500.00.

           
          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.


          Premier Club

          Premier Club account is for all individuals (not available for business purposes) who enjoy the convenience of additional benefits along with a flat monthly service charge. Premier Club customers receive free “club” checks, cashier’s checks, and online billpay. An additional benefit of our Premier Club account includes $20,000 Accidental Death & Dismemberment Insurance and $40,000 Common Carrier Coverage. Both the AD & D Insurance and Common Carrier Coverage are divided equally between the account holders. See Description of Coverage for complete details.


          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

          Prime Time Club is for all individuals age 55 and above (not available for business purposes) who enjoy additional benefits along with a flat monthly service charge. Prime Time Club customers receive free “club” checks, cashier’s checks, and online billpay. An additional benefit of our Premier Club account includes $20,000 Accidental Death & Dismemberment Insurance and $40,000 Common Carrier Coverage. Both the AD & D Insurance and Common Carrier Coverage are divided equally between the account holders. See the description of coverage for complete details.


          Limitations
          : You must deposit $200.00 to open this account.


          Account Fees
          : The monthly service charge on this account is $5.00.


          Interest Bearing (Personal) Accounts


          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.


          Personal Savings Accounts


          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 Accounts


          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.


          Certificates of Deposits (CD’s)


          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.

          IRA’s

          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.


          Other Account Fees

          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.


          Miscellaneous Fees and Charges

          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.

          Consumer Loans


          Boats, recreational vehicles, new or used cars and trucks, refinancing, vacations, and various other consumer items

          Business Lending


          • Short-Term Working Capital

          • Marketable Business Equipment or Inventory

          • Assignment of Accounts Receivable

          • Commercial Real Estate

          Home Loans


          • 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

          Other Loans Offered


          • 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

          Internet Banking


          • Check balances

          • View recent transactions

          • Transfer money

          • Anytime from anywhere 24/7/365

          • Free to all INB accountholders

          INB Mobile App


          • 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

          E-Statements


          • Access up to five years of statements (including check images)

          • Never lose a bank statement again

          • Free to all INB accountholders

          Visa® Debit Card


          • Equipped with chip technology for increased security

          • Transactions posted in real time

          • Earn rewards for non-PIN purchases with our Extra Awards Program*

          Online Billpay


          • 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


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          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.

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          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.

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          Business Info.

          Idabel National Bank

          1201 SE Washington St.

          Idabel, OK 74745


          Member FDIC, Equal Housing Lender

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          Contact Info.

          Phone: External link opens in new tab or window580-286-7656
          Fax: 580-286-5643
          Email: customerservice@idabelnational.com

           

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          Hours of Operation

          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


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