ACH Origination

ACH (Automated Clearing House) is an electronic network used to send and collect money.  ACH can be used to send payroll direct deposits, to pay vendors, and to collect payments from customers.  ACH files can be created in Internet Banking or with many payroll software.  ACH Origination requires an agreement be made between you and Oklahoma Bank & Trust Company.

Collections / Drafts

Collections are items that cannot go through normal processing.  Examples of collections are customer auto drafts, oil and gas leases, and checks that cannot be deposited (i.e., insufficient checks that have been returned twice and suspected fraudulent checks).


An E-Statement is the same thing as a paper statement except it is available on-line.  When the statement is ready, an email is sent notifying you that your E-Statement is available.
E-Statement delivery allows you to receive your account information quickly and securely.  Your statements are available on Internet Banking for 12 months.  However, you can save your statements on your computer for long-time access.  This convenient delivery method expedites statement delivery, eliminates the hassle of storing any paper statements, and provides you with a convenient, secure storage system.  It also helps the environment by reducing paper usage.  (Go green!) No additional fees apply.
To enroll in E-Statements, follow these three simple steps:

  • Log on to your Internet Banking account.
  • Click on the Accounts tab and then the Statement link.
  • Click on the ‘Electronic Only Statement’ delivery button and then opt-in.

Internet Banking

Internet Banking gives you fast, simple and convenient control over your money.  Internet Banking includes:

  • Real-Time Balances – View checking, savings, loan, and time deposit account balances.
  • Account History – View checking, savings, loan, and time deposit account history.
  • Check Images – View the front and back of cleared checks.
  • Transfer Funds – Set up scheduled or repeating transfers between accounts.
  • Loan Payments – Make loan payments from checking or savings.
  • Secure Messaging – Send and receive secure communications with the      bank.

Minimum Balance Transfer

Oklahoma Bank & Trust Company can automatically transfer funds from one of your accounts to another of your accounts to prevent overdrafts.  

Come in and sign up for a Minimum Balance Transfer!  An annual fee applies.

Overdraft Protection Loan

End checking account overdraft complications and charges with an Overdraft Protection Loan.  Overdraft Protection Loan means that we’ve approved, in advance, a personal loan to balance your account if you should overdraw.  With our plan, you avoid costly overdraft charges. 

Come in and apply for an Overdraft Protection Loan today!  An annual fee applies.

Wire Transfers

A wire transfer is the fastest way to get funds to someone.  Wires made to a bank within the United States should be received on the same banking day as they are sent.  Funds are sent electronically and are irrevocable once sent. 

Wiring Instructions to Wire to Oklahoma Bank & Trust

Receiver ABA: 103101848
Receiving Bank Name: OKLA BK CLINTON