Modern banking tools with small-town service to help your company manage cash, accept payments, and keep operations moving.
Commercial Banking That Works Hard for Southern Oklahoma Businesses
Growing a business takes focus, dependable cash flow, and partners who understand local needs. Our team pairs local service with practical solutions such as streamlined checking, digital tools, and flexible cards so you can spend less time on banking and more time on your customers.
Choose the account that fits your transaction volume, add treasury features that cut trips to the branch, and pick a card program that matches your spending style. When you’re ready, our business bankers are one call away at (580) 226-4610.
Business Accounts
Pick the account structure that fits your workflow, then layer on the services that save time and add protection.
Perfect for most businesses.
- 1,000 FREE monthly transaction items
- No minimum balance
- No monthly service charge
Minimum opening deposit $50. Other fees (e.g., NSF/overdraft/sustained overdraft) may apply. See fee schedule, signature agreement, and disclosures for details.
Designed for higher balances.
- 1,000 FREE monthly transaction items
- Competitive interest
- Keep $5,000 minimum balance to avoid a $6 monthly fee
*Minimum opening deposit is only $50. Other fees, such as non-sufficient funds, overdraft, sustained overdraft fees, etc., may apply. See fee schedule, signature agreement, and other disclosures for details.
Built for complex activity.
- Earnings credit on balances may offset activity fees
- $15.00 monthly service charge
- $0.15 per transaction item
*Minimum opening deposit is only $50. Other fees, such as non-sufficient funds, overdraft, sustained overdraft fees, etc., may apply. See fee schedule, signature agreement, and other disclosures for details.
- Merchant Capture: Make deposits from your business or home without leaving the office.
- ACH Origination: You can use our ACH System to make payments.
- Positive Pay: Reduce fraud by verifying transactions before they post to your account.
Business Cards
Choose the program that fits your company’s spending—keep it simple with our Standard Card, or earn rewards with Preferred Points. Both include 24/7 online access and live customer assistance.
A straightforward card for everyday business purchases with no annual fee.
Features:
- No annual fee
- Competitive ongoing APR*
- 25-day interest-free grace period on purchases (no grace period on cash advances)
- Individual and summary billing options
Benefits:
- 24-hour toll-free live customer assistance at 800-367-7576
- Online account information available 24/7 at cardaccount.net
- Rental car collision damage waiver protection and other MasterCard® benefits
Fees:
Other fees may apply; see the downloadable application for details*
Earn rewards on business spend while keeping the tools you need to manage cash flow.
Features:
- Earn 1 reward point per $1 spent, up to 10,000 points/month
- Low $49 annual fee per account
- Competitive ongoing APR*
- 25-day interest-free grace period on purchases (no grace period on cash advances)
- Individual billing option
Benefits:
- Redeem points for cash back, gift cards, travel, and a wide range of merchandise
- View/redeem points at mypreferredpoints.com or call 866-678-5191
- 24-hour toll-free live customer assistance at 800-367-7576
- Online account information available 24/7 at cardaccount.net
- Rental car collision damage waiver protection and other MasterCard® benefits
Fees:
Other fees may apply; see the downloadable application for details*
*Please see the application for current APRs and a complete fee schedule.
To apply, download the PDF application, complete it (type and print, or print and fill in blue/black ink), and then fax to 877-809-9162 or mail to:
Card Service Center
PO Box 569120
Dallas, TX 75356-9120
Supporting documents vary by business type, so please refer to the documentation chart in the application for what to include (e.g., organizational documents, financials, identification). If you have questions about what to submit, call us at (580) 226-4610, and our team will be happy to help.
Sole Proprietor | Partnership | Private Corporation | Public Corporation | Non-Profit |
Application | * | * | * | * |
Organizational papers | * | * | * | * |
Borrowing Resolution | * | * | * | |
Financial Statements | * | * | * | |
Personal Guaranty | * | * | * | |
Personal Tax Return | * | * | * |
Let’s Talk About Your Business Banking Goals
Our team is here to help you choose the right financial tools for your company, including opening a business account, applying for a credit card, or exploring treasury management services. You don’t need an appointment, and you’ll always get friendly, personal guidance from people who live and work right here in Ardmore.
If you have questions, give us a call at (580) 226-4610, stop by one of our branches, or send us a message through our online form. We’ll connect you with a banker who can provide answers and next steps tailored to your needs.