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Watonga Chamber Business of the Week: First State Bank

321 West Main Street
Watonga, OK 73772
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First State Bank is proud to be locally owned and operated.

At FSB we pride ourselves in being locally owned. We can offer our customers higher quality service with a wide range of products. We make timely decisions locally without the hassle of contacting someone in a remote office. Our work with friends, family and neighbors gives FSB the opportunity to improve our community.

Watonga, Oklahoma: proud home of First State Bank

Approximately 60 miles northwest of Oklahoma City, Watonga has many reasons to become a resident. The industrial, retail, travel and entertainment venues are just a few of the major benefits of citizenship in Watonga. From quality golf courses to antique stores to restaurants, Watonga is the ideal location for anyone looking for a traditional, small town environment. The people are friendly and appreciate you and your business.

FSB takes pride in our community. Sponsoring local schools, sports, organizations and many more we want the best for our residents and children. FSB employees actively serve in leadership positions and as members of organizations throughout the community.


Today there is a bank on every corner offering the same product as the next one. At FSB, we try to be unique. One thing you will NEVER experience at FSB is an automated system answering our phone during banking hours. You will always have a friendly voice directing your call. At FSB we try to maintain the services you want with the conveniences you prefer. Our employees strive to achieve exceptional customer service and satisfaction

  • Exceptional personal service
  • Timely information and decisions
  • Quality products and services
  • A locally owned bank, worthy of your trust

First State Bank Products:


We have a variety of options to meet your banking needs
  • Checking
  • Savings
  • Money Market
  • Certificate of Deposit
  • IRAs
  • and more

Come into the FSB or call 580-623-4945 to learn which account best fits your needs.

Bank from Home with our FSB Mobile app:

Bank from home. It’s as easy as FSB! Our “FSB Watonga Mobile” app allows you to make transfers, deposits, and loan deposits within the comfort and safety of your home. For more information, please call us at (580) 623-4945.


Our loan products are here to help you.
  • Agricultural loans
  • Consumer Loans
  • Commercial Loans
  • Real Estate Loans

Call a loan officer at 580-623-4945 or come by the bank to learn more and apply for a loan.


Contact First State Bank for daily CD and Loan Rates

First State Bank Services:

Telephone Banking: 1-855-623-4555


Private, easy, and convenient banking from your touchtone telephone. All you need is your social security number and P.I.N.

  • Checking Balances and History
  • Savings Balances and History
  • C.D.
  • Loan
  • Fund Transfers
  • Loan Payments
  • Faxed Statements

Community Room

Our Community room is available for showers, meetings, bridge and other activities.

We require a refundable key deposit of $20.

FSB Sign

Our sign is for our community.

Please call 580-623-4945 in advance with your birthdays, anniversaries, meetings, etc.


How to avoid Cyber attacks

Phone Numbers:

Phone: (580) 623-4945
Fax: (580) 623-4943

Lobby Hours

Monday thru Thursday: 9:00 – 3:00
Friday: 9:00 – 4:00
Saturday: Closed

Window Hours

Monday thru Friday: 8:30 – 5:00
Saturday: 9:00 – 12:00

Customer Service

24-Hour Telephone Banking with TeleBank: 1-855-623-4555

Email us at [email protected]
Please note, do not send secure information to this e-mail address.

Local NEW ATM with Video for your service located at:

First State Bank
321 W Main
Watonga, OK 73772

Our ATM is free for First State Bank Customers!

For lost or stolen ATM Card:
Contact Transfund: 888-263-3370

Typhoon Open Golf Tournament

3rd Saturday in May – Sponsored each year by First State Bank. Call for details.

First State Bank is a proud sponsor of the Watonga Cheese Festival!

Like our page and Follow us on Facebook Click the link HERE:

To get your business listed at a Watonga Chamber Business of the Week contact Dayla or Bobbi at 580.623.5452 or email at [email protected]

Renew or Become a Watonga Chamber member today, Click Link HERE

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