Internet Usage

Terms and Conditions

Please read these terms and conditions carefully. By accessing this site and any of its pages, you agree to be bound by these terms and conditions. If you do not agree to the Terms and Conditions below, do not access this site or any pages thereof. These Terms and Conditions are subject to change without notice.

Limitations on use of Information and Services and Products

The information and materials contained in these pages, and the terms, conditions, and descriptions that appear, are subject to change. Unauthorized use of First Bethany Bank’s web sites and systems including, but not limited to, unauthorized entry into First Bethany Bank’s systems, misuse of passwords, or misuse of any information posted on a site is strictly prohibited.


This site may contain links to web sites controlled or offered by third parties. The content, accuracy, opinions expressed and other links provided by these other web sites are not verified, monitored or endorsed by First Bethany Bank. First Bethany Bank hereby disclaims any liability for any information, materials, products or services posted or offered at any of the third party sites linked to this web site. By creating a link to a third party web site, First Bethany Bank does not endorse or recommend or approve any products or services offered or information contained at that web site, nor is First Bethany Bank liable for any failure of products or services offered or advertised at those sites. Such third party web sites may have a privacy policy different from that of First Bethany Bank and the third party web site may provide less security than the First Bethany Bank site.

No Warranty

The information and materials in this site, including text, graphics, links or other items are provided “as is” and “as available.” The information and materials may contain errors, omissions, problems or other limitations and First Bethany Bank expressly disclaims any liability for such errors, omissions, problems or other limitations. First Bethany Bank does not make any representations, warranties or guarantees whatsoever as to the accuracy, adequacy, reliability, timeliness, completeness or suitability of such information and materials or their applicability to a particular situation. No warranty of any kind, implied, expressed or statutory, including but not limited to the warranties of non-infringement of third-party rights, title, merchantability, fitness for a particular purpose and freedom from computer virus, is given in conjunction with the information and materials. All responsibility and liability for any damages caused by viruses contained within the electronic files of this site are disclaimed.

Limitation of Liability

In no event will First Bethany Bank be liable for any damages, including without limitation direct or indirect, special, incidental or consequential damages, losses or expenses arising in connection with this site or its use or inability to be used by any party, in connection with any linked site or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, whether based on breach of contract, breach of warranty, tort (including negligence), product liability or other legal or equitable theory even if First Bethany Bank or its representatives are advised of the possibility of such damages, losses or expenses.


All the text, graphics, audio, design, code, software, and other works in the pages and the screens displaying the pages, and in the information and material and their arrangement included in this site, are owned by First Bethany Bank unless otherwise indicated. Any redistribution or reproduction of any content of this site is strictly prohibited.

Submission of Information

All information submitted to First Bethany Bank via this site shall be deemed and remain the property of First Bethany Bank, and First Bethany Bank shall be free to use, for any purpose, any idea, concepts, know-how or techniques contained in information a visitor to this site provides First Bethany Bank through this site. First Bethany Bank shall not be subject to any obligations of confidentiality regarding submitted information except as agreed by First Bethany Bank as part of an established direct relationship with a customer or as otherwise specifically agreed or required by law. Nothing contained herein shall be construed as limiting or reducing First Bethany Bank’s responsibilities and obligations to customers in accordance with the First Bethany Bank Practice Policy.

Additional Terms

Certain sections or pages on this site may contain separate terms and conditions, which are in addition to these terms and conditions. In the event of a conflict, the additional terms and conditions will govern for those sections or pages.

Governing Law

Use of this site shall be governed by all applicable Federal laws of the United States of America and the laws of the State of Oklahoma.

Overdraft Privilegesm

(A Discretionary Overdraft Service)

Overdraft Privilege is our courtesy overdraft program. First Bethany Bank wants to do our part to save you from a costly and embarrassing overdraft experience. Overdraft Privilege is a courtesy overdraw privilege designed to make our customers’ lives easier.

The Benefits are Clear


With Overdraft ProtectionWithout Overdraft Protection
NSF Fee $30 $30
Item Paid YES NO
Merchant Fee1 $0 $30+
Embarrassment NO YES
Total $30 $60+

1This example assumes an industry average $30 NSF fee is charged by the Merchant.

Service Description

It is the policy of our Bank to comply with applicable laws and regulations, and to conduct business in accordance with applicable safety and soundness standards.

A non-sufficient funds balance may result from:

  • The payment of checks, electronic funds transfers, or other withdrawal requests;
  • Payments authorized by you;
  • The return, unpaid, of items deposited by you;
  • The imposition of bank service charges; or
  • The deposit of items which according to the bank’s Funds Availability Policy, are treated as not yet “available” or finally paid.

We are not obligated to pay any item presented for payment if your account does not contain sufficient collected funds. Rather than automatically returning, unpaid, any non-sufficient funds items that you may have, if your eligible account (primarily used for personal and household purposes) has been open for at least thirty (30) days and thereafter you maintain your account in good standing, which includes at least:

  • Continuing to make deposits consistent with your past practices, and depositing at least $400 or more in your account within each thirty (30) day period,
  • You are not in default on any loan obligation to FIRST BETHANY BANK & TRUST,
  • You bring your account to a positive balance (not overdrawn) at least once every thirty (30) days, and
  • Your account is not the subject of any legal or administrative order or levy,
  • We will consider – as a discretionary courtesy or *service and not a right of yours nor an obligation on our part – approving your reasonable overdrafts. This discretionary *service will generally be limited to a $400 overdraft (negative) balance for Free Checking accounts or a $700 overdraft (negative) balance for other eligible Personal Checking accounts. Of course, any and all bank fees and charges, including without limitation our Non-Sufficient Funds/Overdraft Fees (as set forth in our fee schedules) will be included in this limit.

We may refuse to pay an overdraft for you at any time, even though your account is in good standing and even though we may have previously paid overdrafts for you. You will be notified by mail of any non-sufficient funds items paid or returned that you may have; however, we have no obligation to notify you before we pay or return any item. The amount of any overdrafts plus our Non-Sufficient Funds and/or Overdraft (NSF/OD) Charge(s) that you owe us shall be due and payable upon demand. If there is an overdraft paid by us on an account with more than one (1) owner on the signature card, each owner, and agent if applicable, drawing/presenting the item creating the overdraft, shall be jointly and severally liable for such overdrafts plus our Non-Sufficient Funds and/or Overdraft (NSF/OD) Charge(s).

LIMITATIONS: Available only to eligible personal checking accounts primarily used for personal and household purposes (Business accounts, Student accounts and Money Market accounts are not eligible) and we may limit the number of accounts eligible for the Overdraft Privilege *service to one account per household.

*The Overdraft Privilegesm service does not constitute an actual or implied agreement between you and the bank. Nor does it constitute an actual or implied obligation of or by the bank. This service represents a purely discretionary courtesy or privilege that the bank may provide to you from time to time and which may be withdrawn or withheld by the bank at any time without prior notice or reason or cause.