Online Banking
About Us

About Us

AllNations Bank has been serving the community since 1901. We are a full-service community bank locally owned by the Absentee Shawnee Tribe.  Services are offered through our main office in Calumet and our branch office in Shawnee next door to the Tribe’s headquarters.

Because we are owned locally, decisions are made right here. But with our banking technology, you can bank from anywhere! The bank’s experienced staff is dedicated to serving the financial needs of all its customers including individuals, small businesses and farms.  AllNations offers a complete line of both traditional and online banking services.

At AllNations Bank, we work one on one with all of our customers. Our customers come first, and our employees consider all aspects to work with our customers for the best solutions to meet their needs.  AllNations Bank continues to proudly serve the businesses and citizens of both Canadian and Pottawatomie counties but specialize in agricultural lending in Central and Western Oklahoma.  We may be small but with our many banking solutions, are a good fit for small size businesses and consumers. Come check us out and see why AllNations Bank is The Right Choice, Right Now.

June 7 1901 Handwritten minutes and bylaws
Absentee Shawnee Tribe General Council Presentation

ANB Slide Presentation for AST 4-2024

AllNations Bank is honored to attend the Absentee Shawnee Tribe Semi-Annual General Council Meeting where we provide an update on the bank’s condition & notable milestones.

Contact Us

Contact Us

    FAQs
    FAQ Book Shelf with Leather Sofa and Cozy Interior

     

    Q: Lost or stolen debit card? Or you think someone has the number?

    A:  If using the Bank’s mobile app, in the menu select “Manage Cards”, select “Turn Card Off” and use the arrow to open more card options. Scroll down to select “Report Lost or Stolen Card”.

    Otherwise, please contact the bank, night or day, at 405-893-2240 to cancel your card. If it is after hours, you will need to select the option to be transferred to the after hours department.

    Q: Can I setup alerts to be notified when my card is used?

    A:  Yes! If using the bank’s mobile app, in the menu select “Manage Cards”, select the little arrow on the right hand side to open more card options. Scroll down to select “Manage Alerts”.  Check beside the “Email alerts for this card” and choose “Both Approvals and Denials” and enter your email address and Save.

    Q: What is Online Banking?

    A: Online Banking allows customers of AllNations Bank secure and convenient access to their accounts using the internet 24 hours a day, 7 days a week.

    Q: How much does Online Banking cost?

    A: Online Banking is FREE for AllNations Bank customers.

    Q: How can I get started using Online Banking?

    A:  Click “New User Sign Up” and follow self-registration prompts. Enter the information requested.  You will need to electronically consent to the user agreement to use the digital products.

    Q: Why doesn't my Online Banking credentials work?

    A: There could be several reasons. You may be entering the wrong PIN. You could also be locked out of the Online Banking system. In addition, if you have not logged into Online Banking in the past 90 days, you may be locked out of the system because of “inactive status”. If you get locked out, please contact us. If you have not been in the system since June 5th, 2023, you will need to re-register for the upgraded system.

    Q: What should I do if I think my account has been compromised?

    A: Change your online banking or mobile password immediately and contact AllNations Bank as soon as possible during regular business hours.
    Calumet 405-893-2240
    Shawnee 405-273-0202

    Q: How do I add or delete my existing Online Banking accounts?

    A: Contact AllNations Bank Digital Banking Department. To add an account, you must be an account owner or authorized signer on the account.

    Q: What if there are debit card transactions or activity that are not mine on my account?

    A: Please contact the bank to begin the process of filing a dispute and discuss the possible need to restrict the card.

    Q: How can I change my debit card PIN in the mobile app?

    A: If using the Bank’s mobile app, in the menu select “Manage Cards”, then select the arrow on the right-hand side of the card, to open up more card options. Scroll down to “Change PIN”.

    Q: Should I notify my bank if I am traveling out of state to make sure my debit card works?

    A: Yes, you can contact the Calumet or Shawnee locations to supply travel dates or use the app, “Manage Cards”, more options and scroll down to “Travel Notification”.

    Q: Does my debit card work internationally?

    A:  No, contact the bank to discuss this option.

    Locations & Hours

    AllNations Bank in Calumet


    Calument Branch image of outside

    Location
    114 E. Main St.
    Calumet, OK 73014

    ATM Located Onsite

    Mailing Address
    PO Box 118
    Calumet, OK 73014

    Phone: 405-893-2240
    Fax: 405-893-2247

    Drive Up
    8am – 4pm Monday – Friday

    Lobby
    9am – 4pm Monday – Friday

    AllNations Bank in Shawnee


    Shawnee Branch image from the outside

    Location
    2023 Gordon Cooper Drive
    Shawnee, OK 74801

    ATM Located Onsite

    Mailing Address
    2023 Gordon Cooper Drive
    Shawnee, OK 74801

    Phone: 405-273-0202
    Fax: 405-273-0163

    Drive Up
    9am – 5pm Monday – Wednesday
    9am – 5:30pm Thursday – Friday

    Lobby
    9am – 4pm Monday – Friday

    Meet our Team

    Stephen Smith

    CEO / Chief Credit Officer

     

     

    Deanna Troglin

    Senior Vice President / Calumet Loan Officer

     

    Debbie Coym

    AVP  Branch Manager / Shawnee Loan Officer

     

    Kera Carr

    Customer Service Rep  Calumet

    Jill Maple

    Community Bank President -Calumet / CFO

     

     

    Christy Moberly

    Vice President of Operations / Customer Service

     

    Ginger Klaassen

    Assistant Vice President / Loan Administrator

     

    Coral Gibbins

    Customer Service Rep Calumet

    Bruce Dawson

    Community Bank President -Shawnee / Commercial Loan Officer

     

    Dixie Smith

    Vice President / Cashier

     

    Kyle Kean

    Loan Officer Shawnee

     

    Wendy Rosales

    Customer Service Rep Shawnee

    Bank Board of Directors

    Eastman Switch

    Director

    Board Director of the bank and bank holding company since 2016.  Proud member of the Absentee Shawnee Tribe of Oklahoma (AST). Eastman is employed at Tinker Air Force Base since 1999. In addition, he is the principal owner of two businesses: ES Innovations Consulting Services LLC & Eagles Nest Rental & Investments LLC. He provides a wealth of knowledge from his time representing the AST through roles such as Gaming Commissioner, Vice Chairman of the AST Housing Authority, Tax Commissioner, Election Commissioner, and member of the Management Board of the Tribal Development Authority.   He is deeply involved in his community and commitment to the AST. He serves as a town board trustee for the town of Johnson, Oklahoma.  He is committed to fostering a culture of excellence and providing exceptional customer service while focusing on long-term success and sustainability. Eastman is active with the American Indian Chamber of Commerce of Oklahoma and currently in their Leadership Native Oklahoma program.

    Terri Mefford

    Director

    Board Director of the bank since 2019. Terri has been retired since 2014 from a 45-year banking career where she served on various committees and as a Board member of Great Plains Bank in Elk City, Oklahoma. Her position at retirement was CFO of the bank and President of the Administration Division. She also served on the Board of the Community Bankers Association of Oklahoma for 4 years.  She also serves on the bank’s Audit Committee.  She has 2 sons, 2 daughters-in-law and 3 grandchildren. Terri currently works part-time in the accounting department of NAPA Auto Parts in Altus, Oklahoma and enjoys traveling in her RV.

    Stephen Smith

    Director

    Board Director of the bank since 2019. Steve is the current CEO of the bank and began his banking career in 1983 in Tulsa Oklahoma as the CFO & Loan Analyst and has held various positions such as Loan Officer, Controller, CFO, Bank President, and CEO over the years. Steve has developed a specialization in the recovery of problem loans and banks. In the past, he has served on various civic clubs and is a past President of the Optimist Club. He has served on the Board of Directors for a local school, hospital and United Way. Steve enjoys being the worship leader at his local church, watching sports, and spending time with his family which includes his wife of 46 years, 2 kids & 6 grandkids.

    Wade Stuckey

    Director

    Board Director of the bank and bank holding company since 2021. Passionate business graduate from the University of Oklahoma & proud member of the Absentee Shawnee Tribe of Oklahoma (AST). With over two decades of business experience at Hobby Lobby, he has honed his skills and expertise in the corporate world. Wade contributes to the strategic vision and growth of the bank. Grounded in a firm belief of lifelong learning, Wade is currently expanding his expertise in Organizational Leadership through graduate studies, aiming to blend traditional wisdom with innovative business strategies. Wade also serves on the bank’s Loan Committee.

    Jill Maple

    Director

    Board Director since July 2023. Jill is the current Calumet Market President and Chief Financial Officer of the bank. Jill is originally from Northeast Missouri and relocated to Oklahoma in 2019 when she joined the bank. She has 30 years working in community banks in various roles. She steadily progressed in her career working up from an entry level banker to bank executive positions. Jill has a B.S. in Accounting from Liberty University. She completed the University of Wisconsin-Madison Financial Managers School in 2006.  Additionally in 2023, she graduated from the Graduate School of Banking in Colorado. She has served on various civic clubs’ officer and board positions. In 2006, she served on the Future Leaders Alliance Advisory Board for the Illinois Bankers Association. She is a member of the Horizon Bankers and active with the American Indian Chamber of Commerce of Oklahoma.  Jill is married with 2 sons, 1 daughter and 1 daughter-in-law.

    Bruce Dawson

    Director

    Board Director since January 2024. Bruce is the current Shawnee Market President and Chief Lending Officer of the bank. Bruce graduated from the University of Arkansas with a B.S. in Agricultural Business in 1991. He also graduated from the University’s law school and has an Executive MBA in Banking from Troy University. He has over 25 years of experience working with both large regional banks and small community banks. His positions have included loan review manager, bank consultant and Chief Credit Officer. Before coming to AllNations Bank, in recent years, he served as President of a troubled bank brought in to help deal with regulatory sanctions. Bruce is married and has 3 children.

    Financial Calculators

    Financial Calculators

    Economy concept, calculator with coins, pencil and a piggy bank on a table in the living room, calculating finances and saving household money, copy space

     

    Please fill out all cells then “Enter” from your keyboard to see results. If all cells are not completed, or if  you didn’t push “Enter” on your keyboard, results will not show.

     

    Home Financing

    Select your financial calculator below to begin.

    One or more of the fields is not filled out.

    The date you have entered is invalid!

    The amount of time is too large to compute!

    The amount is too large to compute!

    Percentages cannot exceed 100

    How long you plan to keep the property must be less than or equal to the new loan term

    Your down payment exceeds the home price

    Refinancing Calculator

    Refinancing at a lower rate has the potential to save you thousands of dollars in the long run. However, for refinancing to be worth it, the savings in interest must be greater than the fees (i.e. points, closing costs) involved with the refinancing process. The refinancing calculator will take these fees into consideration and tell you how much you could save (or lose) should you decide to refinance at a lower rate.

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    Existing Loan

    Existing Loan Original Loan Amount
    Existing Loan Original Mortgage Length
    Existing Loan Date of Loan
    Existing Loan Current Interest Rate

    New Loan

    Existing Loan Amount you wish to cash out upon refinance
    Existing Loan New Interest Rate
    Existing Loan Points
    Existing Loan Fees and Closing Costs
    Existing Loan New loan term

    Other Information

    Existing Loan How long will you keep this property

    Fixed Rate Mortgage Calculator

    Given the information on your fixed rate mortgage, the fixed rate mortgage calculator will determine how much your mortgage payments will be.

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    Loan Information

    Fixed Rate Mortgage Home Price
    Fixed Rate Mortgage Down Payment
    Fixed Rate Mortgage Loan Term
    Fixed Rate Mortgage Interest Rate
    Fixed Rate Mortgage Payment Frequency

    Adjustable Rate Mortgage Payments Calculator

    Calculates the payments and interest on your adjustable rate mortgage.

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    Loan Information

    Adjustable Rate Mortgage Home Price
    Adjustable Rate Mortgage Loan Down Payment
    Adjustable Rate Mortgage Loan Term
    Adjustable Rate Mortgage Beginning Interest Rate
    Adjustable Rate Mortgage Rate Cap (Life Rate Cap)
    Adjustable Rate Mortgage Maximum First Interval Rate Increase
    Adjustable Rate Mortgage Maximum Subsequent Interval Rate Increase
    Adjustable Rate Mortgage Months Before First Rate Increase
    Adjustable Rate Mortgage Months Between Subsequent Rate Increases

    Balloon Mortgage Payment Calculator

    A balloon mortgage consists of paying smaller amounts at first, and then paying the a large portion of the mortgage at one time. This will show you the amount needed for a mortgage with a balloon payment.

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    Balloon Mortgage Home Price
    Balloon Mortgage Down Payment Amount
    Balloon Mortgage Amortized Over
    Balloon Mortgage Current Interest Rate
    Balloon Mortgage Balloon Payment After

    Rent or Buy Decision Calculator

    Buying a home is a huge life decision. The rent or buy calculator compares the cost of renting or buying given a certain time period

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    Rent Information


    Rent Information Monthly Rent
    Rent Information Monthly Renter's Insurance
    Rent Information How Much Will Rent Increase Each Year?

    Purchase Information


    Purchase Information Home Price
    Purchase Information Down Payment
    Purchase Information Interest Rate
    Purchase Information Loan Term
    Purchase Information Points (%)
    Purchase Information Closing Cost for Buying ($)

    Home Information


    Purchase Information Annual Property Taxes
    Purchase Information Average Monthly Maintenance ($)
    Purchase Information Monthly Homeowner's Insurance ($)
    Purchase Information How Much Will Your Home Appreciate each Year?
    Purchase Information Other Monthly Costs (Association dues, etc...)

    Personal Information


    Purchase Information State and Federal Tax Rate (%)
    Purchase Information Investment Rate of Return (or Bank Account Savings Rate %)
    Purchase Information How Long Will You Stay at this Property?

    Sale Information


    Purchase Information Real Esatate Agent Commission
    Purchase Information Closing Cost for Selling ($)

    Mortgage Comparison Calculator

    The mortgage comparison calculator gives you financial statistics on different types of loans.

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    Loan Information

    Mortgage Comparison Loan ID 1
    Mortgage Comparison Loan ID 2
    Mortgage Comparison Loan ID 3
    Mortgage Comparison Down Payment 1
    Mortgage Comparison Down Payment 2
    Mortgage Comparison Down Payment 3
    Mortgage Comparison Loan Term 1
    Mortgage Comparison Loan Term 2
    Mortgage Comparison Loan Term 3
    Mortgage Comparison Interest Rate 1
    Mortgage Comparison Interest Rate 2
    Mortgage Comparison Interest Rate 3
    Mortgage Comparison Points 1
    Mortgage Comparison Points 2
    Mortgage Comparison Points 3
    Mortgage Comparison Other Fees 1
    Mortgage Comparison Other Fees 2
    Mortgage Comparison Other Fees 3
    Mortgage Comparison Loan Type 1
    Mortgage Comparison Loan Type 2
    Mortgage Comparison Loan Type 3
    Mortgage Comparison Adjustable Type 1
    Mortgage Comparison Adjustable Type 2
    Mortgage Comparison Adjustable Type 3
    Mortgage Comparison Maximum Initial Rate Adjustment 1
    Mortgage Comparison Maximum Initial Rate Adjustment 2
    Mortgage Comparison Maximum Initial Rate Adjustment 3
    Mortgage Comparison Maximum Subsequent Rate Adjustment 1
    Mortgage Comparison Maximum Subsequent Rate Adjustment 2
    Mortgage Comparison Maximum Subsequent Rate Adjustment 3
    Mortgage Comparison Anticipated Rate Cap 1
    Mortgage Comparison Anticipated Rate Cap 2
    Mortgage Comparison Anticipated Rate Cap 3

    All Loans

    Mortgage Comparison Home Price
    Mortgage Comparison Your Income Tax Rate
    Mortgage Comparison How Long Will You Stay in this House(Years)?

    Payment Plans

    You can save a lot of money if you increase your monthly mortgage payment in order to pay it off faster. Find out how much you could save over the life of your loan.

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    Loan Information

    Payments Plans Original Loan Amount
    Payments Plans Original Mortgage Length
    Payments Plans Date of Loan
    Payments Plans Current Interest Rate
    Payments Plans Date of First Extra Payment
    Payments Plans Additional Payment Amount and Payment Type

    Mortgage Qualification

    Estimates a loan amount that you could qualify for.

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    Income


    Mortgage Qualification Combined Gross Annual Income

    Monthly Expenses


    Mortgage Qualification Minimum Monthly Credit Card Payments
    Mortgage Qualification Car Payments
    Mortgage Qualification Other Fixed Monthly Debt Expenses

    Loan Information


    Mortgage Qualification Down Payment
    Mortgage Qualification Interest Rate
    Mortgage Qualification New Loan Term

    Payment Information


    Mortgage Qualification Monthly Insurance and Other Costs
    Mortgage Qualification Monthly Association Dues (If Any)
    Mortgage Qualification Annual Property Tax

    Home Affordability

    Computes the most expensive house you can buy.

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    Monthly Payment Information

    Home Affordability Highest Payment You can Afford (Include all Taxes, Fees, Dues, Insurance, etc...)

    Payment Breakdown


    Home Affordability Monthly Insurance and Other Costs
    Home Affordability Annual Property Tax
    Home Affordability Monthly Associations Dues (If Any)

    Loan Information


    Home Affordability Down Payment
    Home Affordability Loan Term
    Home Affordability Interest Rate

    Personal Information


    Home Affordability Combined State and Federal Tax Rate

    Loan Consolidation

    Factors in the costs and benefits of consolidating your debts to determine whats the financially best way to pay them off.

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    Loans

    Add Row Remove Row
    Loan Balance 0
    Loan Payment 0
    Loan Interest Rate 0

    Credit Cards

    Add Row Remove Row
    Credit Card Remaining Amount 0
    Credit Card Rate 0

    Consolidated Loan

    Consolidated Loan Interest Rate:
    Consolidated Loan Term:
    Consolidated Loan Fees:
    Consolidated Loan Points(%):
    Consolidated Loan Savings Rate(%)):
    Consolidated Loan Invest(%):
    Calculator Information

    The monthly payment calculated factors in both the principal and interest. It does not factor in other mortgages costs such as annual property tax, HOA fees, PMI, etc.


    Calculator Disclaimer

    These financial calculators are made available as tools for your independent use. We cannot and do not guarantee their accuracy or their applicability to your circumstances. We encourage you to seek advice from qualified professionals regarding personal finance issues.

    Personal Financing

    Select your financial calculator below to begin.

    One or more of the fields is not filled out.

    The date you have entered is invalid!

    The amount of time is too large to compute!

    The amount is too large to compute!

    Percentages cannot exceed 100

    How long you plan to keep the property must be less than or equal to the new loan term

    Your down payment exceeds the home price

    Car Affordability

    Calculates the most expensive car you can afford.

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    Financial Information

    Car Affordability Highest Monthly Payment you can Afford
    Car Affordability Down Payment($)
    Car Affordability Trade-in Value (If Any)
    Car Affordability Loan Term
    Car Affordability Interest Rate

    Credit Card Payoff

    Determines how long it will take to pay off credit card debt.

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    Card Information

    Credit Card Payoff Current Balance
    Credit Card Payoff Monthly Payment
    Credit Card Payoff Interest Rate

    Saving for College

    Calculates a monthly savings amount in order to reach your college savings goal.

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    College Financial Information

    Saving for College Today's Yearly Tuition
    Saving for College Years of College
    Saving for College Amount you Have Now
    Saving for College Years Until College Begins
    Saving for College Expected Interest Rate
    Saving for College Expected Inflation Rate

    Big Purchase

    Computes how much money you will need to save each month in order to purchase something big.

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    Financial Information

    Big Purchase After-Tax amount savings goal
    Big Purchase Amount you have now
    Big Purchase How long will you save
    Big Purchase Expected Interest Rate
    Big Purchase Income Tax Rate

    Borrowing

    Based on your financial details, the borrowing calculator determines how much money you can feasibly borrow and pay back.

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    Financial Information

    Borrowing Payment Amount
    Borrowing Number of Payments
    Borrowing Interest Rate

    Loan Rates

    Given loan information, determines the interest rate on that loan.

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    Loan Information

    Loan Rates Purchase Price
    Loan Rates Down Payment Amount
    Loan Rates Payment Amount
    Loan Rates Loan term

    Paying Off a Loan

    Determines how long it will take you to payoff a loan.

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    Loan Information

    Paying Off a Loan Purchase Price
    Paying Off a Loan Down Payment Amount
    Paying Off a Loan Payment Amount
    Paying Off a Loan Interest Rate

    Loan Payments

    Determines the payment on a loan with a fixed rate.

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    Loan Information

    Loan Payments Purchase Price
    Loan Payments Down Payment Amount
    Loan Payments Loan Term
    Loan Payments Interest Rate
    Loan Payments Trade in Amount
    Loan Payments Trade in Payoff
    Loan Payments Payment Frequency

    Car Purchasing

    Helps decide if an Auto Loan or Home Equity Loan is best for purchasing a car.

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    Auto Loan Information


    Car Purchasing Price (pre tax)
    Car Purchasing Loan term
    Car Purchasing Interest Rate
    Car Purchasing Cash Down
    Car Purchasing Fees
    Car Purchasing Sales Tax Rate
    Car Purchasing Trade Allowance
    Car Purchasing Amount Owed on Trade

    Home Equity Loan Information


    Car Purchasing Home Equity Price (pre tax)
    Car Purchasing Home Equity Loan term
    Car Purchasing Home Equity Loan Interest Rate
    Car Purchasing Home Equity Loan Closing Costs
    Car Purchasing Home Equity Loan Federal Tax Rate
    Car Purchasing Home Equity Loan State Tax Rate

    Debt Elimination

    This calculator helps you evaluate various strategies for paying off your debt. When one debt is paid off, the payment amount normally applied to that debt is made available for use against another debt. This is referred to as the rollover strategy. Add an additional monthly payment for debt reduction to accelerate the payoff.

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    Debt Information

    Add Row Remove Row
    Debt Elimination Type 0
    Debt Elimination Creditor 0
    Debt Elimination Interest Rate 0
    Debt Elimination Current Balance 0
    Debt Elimination Amount You Pay 0
    Debt Elimination Minimum Amount 0
    Debt Elimination Additional Monthly Payment for Debt Reduction

    Debt Payoff Strategy

    For the lease expensive debt payoff strategy, choose HIGHEST RATE FIRST and USE MINIMUM AMOUNT DUE

    Debt Elimination Debt Payoff Order
    Debt Elimination Minimum Amounts
    Calculator Information

    The monthly payment calculated factors in both the principal and interest. It does not factor in other mortgages costs such as annual property tax, HOA fees, PMI, etc.


    Calculator Disclaimer

    These financial calculators are made available as tools for your independent use. We cannot and do not guarantee their accuracy or their applicability to your circumstances. We encourage you to seek advice from qualified professionals regarding personal finance issues.

    Investment Financing

    Select your financial calculator below to begin.

    One or more of the fields is not filled out.

    The date you have entered is invalid!

    The amount of time is too large to compute!

    The amount is too large to compute!

    Percentages cannot exceed 100

    How long you plan to keep the property must be less than or equal to the new loan term

    Your down payment exceeds the home price

    Portfolio Yield

    Enter each transaction from your investment portfolio and determine your percentage yields before and after fees and taxes.

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    Portfolio Information

    Portfolio Yield Starting Date
    Portfolio Yield Starting Balance
    Portfolio Yield Ending Date
    Portfolio Yield Ending Balance

    Transaction History

    Add Row Remove Row
    Transaction Date 0
    Transaction Amount 0
    Transaction Type 0
    Transaction Fee 0
    Transaction Tax 0
    Transaction Cost basis 0

    Saving to be a Millionaire

    Estimates a monthly deposit amount in order to save to a million dollars.

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    Financial Information

    Millionaire Saving Starting Balance
    Millionaire Saving How long will you save
    Millionaire Saving Rate of Return
    Millionaire Saving Income Tax Rate

    Investment Yield

    Determines the return rate on an investment.

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    Investment Information

    Investment Yield Original Investment Date
    Investment Yield Original Investment Amount
    Investment Yield Investment Date on Which the Investment was Sold
    Investment Yield Amount for Which the Investment was Sold
    Investment Yield Compounding Period

    Future Worth

    Determines the present value of an asset with a known future value.

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    Financial Information

    Financial Present Date
    Financial Future Date
    Financial Future Value
    Financial Rate of Return
    Financial Compounding Period

    Future Investment

    Computes what an amount invested today will be worth at some point in the future.

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    Investment Information

    Future Investment Present Date
    Future Investment Future Date
    Future Investment Present Value
    Future Investment Rate of Return
    Future Investment Compounding Period

    Time Savings

    Compute the total amount you would be able to save with monthly deposits.

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    Financial Information

    Time Savings Balance on Start Date
    Time Savings Deposit Amount
    Time Savings Rate of Return
    Time Savings Number of Years

    Needed Rate

    Compute the rate of return you would need to reach your savings goal.

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    Financial Information

    Needed Rate Balance on Start Date
    Needed Rate Deposit Amount
    Needed Rate Savings Goal
    Needed Rate Length of Time

    Initial Savings

    Compute how much money you would need to start with to reach a savings goal.

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    Financial Information

    Initial Savings Deposit Amount
    Initial Savings Rate of Return
    Initial Savings Goal
    Initial Savings Length of Time

    Monthly Savings

    Computes the monthly deposit amount needed to reach a savings goal.

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    Financial Information

    Monthly Savings Balance on Start Date
    Monthly Savings Rate of Return
    Monthly Savings Savings Goal
    Monthly Savings Number of Years
    Calculator Information

    The monthly payment calculated factors in both the principal and interest. It does not factor in other mortgages costs such as annual property tax, HOA fees, PMI, etc.


    Calculator Disclaimer

    These financial calculators are made available as tools for your independent use. We cannot and do not guarantee their accuracy or their applicability to your circumstances. We encourage you to seek advice from qualified professionals regarding personal finance issues.

    Retirement Financing

    Select your financial calculator below to begin.

    One or more of the fields is not filled out.

    The date you have entered is invalid!

    The amount of time is too large to compute!

    The amount is too large to compute!

    Percentages cannot exceed 100

    How long you plan to keep the property must be less than or equal to the new loan term

    Your down payment exceeds the home price

    Traditional vs. Roth

    Which is better, a Traditional IRA or a Roth IRA? Traditional IRAs offer tax-deferred earnings and tax-deductible contributions. Roth IRAs offer tax-free earnings, but contributions are not deductible.

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    IRA Information

    Traditional vs. Roth Current Traditional IRA amount
    Traditional vs. Roth Current tax bracket
    Traditional vs. Roth Retirement tax bracket
    Traditional vs. Roth Estimated investment rate of return
    Traditional vs. Roth How much do you plan to save each year
    Traditional vs. Roth Amount Saved is
    Traditional vs. Roth Maximum IRA sheltered contribution
    Traditional vs. Roth How many years until you retire

    Traditional IRA

    Use this calculator to compute the amount you can save in a tax-deferred Traditional IRA. Contributions to your Traditional IRA are usually tax deductible now, but you pay taxes when you withdraw the funds in retirement.

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    IRA Information

    Traditional IRA Annual Deposit Amount
    Traditional IRA Number of Years to Save
    Traditional IRA Rate of Return
    Traditional IRA Income Tax Rate

    Roth IRA

    Use this calculator to compute the amount you can save in a Roth IRA where you pay taxes on your income now, but withdraw the funds tax-free in retirement. Because this is a Roth IRA, your contribution limit is after taxes and your effective contribution limit is higher than a Traditional IRA. This calculator allows you to enter your annual deposit amount in "Before Tax" dollars so that the after tax deposit amount is automatically computed for you.

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    IRA Information

    Roth IRA Annual Deposit Amount
    Roth IRA Deposit amount is
    Roth IRA Current Tax Rate
    Roth IRA Number of Years to Save
    Roth IRA Rate of Return

    Retirement Savings

    Use this calculator to find out how long you can make recurring withdrawals of a specified amount from your savings account.

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    Financial Information

    Retirement Savings Start Balance
    Retirement Savings Withdrawal Amount
    Retirement Savings Rate of Return
    Retirement Savings Compounding Period

    Retirement Rate

    Use this calculator to find out what rate of return you would need to make recurring withdrawals of a specified amount from an account.

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    Financial Information

    Retirement Rate Starting Balance
    Retirement Rate Withdrawal Amount
    Retirement Rate Number of Withdrawals
    Retirement Rate Withdrawal Period

    Retirement Funding

    Use this calculator to find out how much money you must have in your savings account to make recurring withdrawals of a specified amount.

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    Financial Information

    Retirement Funding Withdrawal Amount
    Retirement Funding Rate of Return
    Retirement Funding Number of Withdrawals
    Retirement Funding Withdrawal Period

    Monthly Spending

    Use this calculator to compute how much you will be able to regularly withdraw from your savings account before you run out.

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    Financial Information

    Monthly Spending Starting Balance
    Monthly Spending Rate of Return
    Monthly Spending Number of Withdrawals
    Monthly Spending Withdrawal Period
    Calculator Information

    The monthly payment calculated factors in both the principal and interest. It does not factor in other mortgages costs such as annual property tax, HOA fees, PMI, etc.


    Calculator Disclaimer

    These financial calculators are made available as tools for your independent use. We cannot and do not guarantee their accuracy or their applicability to your circumstances. We encourage you to seek advice from qualified professionals regarding personal finance issues.

    Lease Financing

    Select your financial calculator below to begin.

    One or more of the fields is not filled out.

    The date you have entered is invalid!

    The amount of time is too large to compute!

    The amount is too large to compute!

    Percentages cannot exceed 100

    How long you plan to keep the property must be less than or equal to the new loan term

    Your down payment exceeds the home price

    Affordable Lease

    This calculator computes the amount you can afford to lease.

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    Lease Information

    Affordable Lease Payment Amount
    Affordable Lease Rate
    Affordable Lease Residual Amount
    Affordable Lease Term
    Affordable Number of Advance Payments

    Lease Residual

    This calculator computes the residual to satisfy a known payment amount, number of payments, lease rate, and lease amount.

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    Lease Information

    Lease Residual Lease Amount
    Lease Residual Payment Amount
    Lease Residual Lease Rate
    Lease Residual Lease Term
    Lease Residual Number of Advance Payments

    Lease Payments

    This calculator computes the payment amount necessary to satisfy a known lease amount, lease rate, residual amount, and number of payments.

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    Lease Information

    Lease Payments Lease Amount
    Lease Payments Lease Rate
    Lease Payments Residual Amount
    Lease Payments Lease Term
    Lease Payments Number of Advance Payments

    Lease Rate

    This calculator computes the lease rate based on a known payment amount, lease amount, residual amount, and lease term.

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    Lease Information

    Lease Rate Lease Amount
    Lease Rate Payment Amount
    Lease Rate Residual Amount
    Lease Rate Lease Term
    Lease Rate Number of Advance Payments

    Equipment Affordablity

    This calculator computes the amount you can afford to lease.

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    Lease Information

    Equipment Affordablity Payment Amount
    Equipment Affordablity Lease Rate
    Equipment Affordablity Residual Amount
    Equipment Affordablity Lease Term
    Equipment Affordablity Number of Advance Payments
    Equipment Affordablity Compounding Period

    Equipment Residual

    This calculator computes the residual to satisfy a known payment amount, number of payments, lease rate, and lease amount.

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    Lease Information

    Equipment Residual Lease Amount
    Equipment Residual Payment Amount
    Equipment Residual Payment Amount
    Equipment Residual Lease Term
    Equipment Residual Number of Advance Payments
    Equipment Residual Payment Period

    Equipment Payments

    This calculator computes the payment amount necessary to satisfy a known lease amount, lease rate, residual amount, and number of payments

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    Lease Information

    Equipment Payments Lease Amount
    Equipment Payments Lease Rate
    Equipment Payments Residual Amount
    Equipment Payments Lease Term
    Equipment Payments Number of Advance Payments
    Equipment Payments Payment Period

    Equipment Lease Rate

    This calculator computes the payment amount necessary to satisfy a known lease amount, lease rate, residual amount, and number of payments.

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    Lease Information

    Equipment Lease Amount
    Equipment Lease Payment Amount
    Equipment Lease Residual Amount
    Equipment Lease Rate Term
    Equipment Lease Number of Advance Payments
    Equipment Lease Payment Period
    Calculator Information

    The monthly payment calculated factors in both the principal and interest. It does not factor in other mortgages costs such as annual property tax, HOA fees, PMI, etc.


    Calculator Disclaimer

    These financial calculators are made available as tools for your independent use. We cannot and do not guarantee their accuracy or their applicability to your circumstances. We encourage you to seek advice from qualified professionals regarding personal finance issues.

    Reorder Checks

    Reorder Checks

    This is for re-orders only with Main Street Checks. For your 1st order, please contact the Calumet or Shawnee locations and speak to a Customer Service Representative.

    Learn More

    Careers

    Careers

    At AllNations Bank, our people are number one in everything we do.  We are a community bank with a culture based on integrity and customer care. The people on our team are the foundation of our success! Creating exceptional experiences for our customers begins with talented people and is a key component to what sets us apart from our competition!  It’s about developing relationships, thinking creatively and being solution oriented.  If you’re ready to work for an organization that values you, develops your talents and helps you grow personally and professionally, then look no further. Check out our career opportunities & come make a difference with us!

    Benefits for Full-Time Employees:

    • Medical Insurance paid by the bank
    • Employee Life Insurance paid by the bank
    • Long term disability insurance paid by the bank
    • Paid Federal Holidays
    • Paid Personal Time Off (vacation and sicks days)
    • Simple IRA Retirement Plan contributions
    • Optional low-cost Dental Insurance
    • Optional low-cost Vision Insurance

    Benefits for Part-Time Employees:

    • Simple IRA Retirement Plan contributions

    Opportunities:

    Currently there are no openings but feel free to print out the application, complete it, or bring a resume by the Calumet or Shawnee locations and it will be kept on file for 6 months. Or you can mail it to:

    Human Resources

    PO Box 118

    Calumet OK 73014

    Application for Employment

    Scholarship Awards

    Scholarship Awards

    Learn More

    Online Security and Fraud Education

    Online Security & Fraud Education

    Cyber Security and Digital Data Protection Concept

    AllNations Bank recognizes that online fraud has become more sophisticated. In an effort to help you stay safe online, we would like to offer some safety tips to help protect your personal information.

    Fraudulent Emails and Texts

    Fraudsters are becoming more sophisticated and are able to send convincing emails and text that appear to be from the bank when they aren’t.  We will never send you a text message to confirm a transaction.  Block the sender, then delete the message.

    Additionally, we did not send an email about signing up for bill pay fraud alerts.  Please be cautious when you see an email that is portraying it is from the bank. Do not click on links.   Hover over to see where the link leads you to.  In most cases it is fraud. Do not call the phone numbers in the email. Block the sender and delete the message.

    Oklahoma Attorney General Warns About Scams

    May 15, 2024

     Attorney General Drummond, OG&E partner to warn customers about solar scams

    OKLAHOMA CITY (May 15, 2024) — Attorney General Gentner Drummond and OG&E are partnering to warn Oklahomans about scams involving solar energy equipment and services.

    Drummond encouraged Oklahomans to remain vigilant in protecting themselves against phone scams.

    “Fraudsters are always finding new ways to separate unsuspecting individuals from their money, and this latest phone scam is no exception,” he said. “Oklahomans should be cautious with high-pressure tactics in phone or door-to-door solicitations, even when they purport to be connected to a reputable company. Always verify.”

    OG&E customers have alerted the electric company to a recent increase in automated phone calls. One call promises thousands of dollars in rebates for OG&E customers in the wake of “new energy policy” and “mandates.” The caller then asks customers to sign-up for a solar energy program saying it will “support our new mandate.”

    The other call features someone claiming to be with OG&E and threatening to cut off the customers’ service if they don’t pay their bill immediately over the phone. Customers also have reported to OG&E an increase in door-to-door salespeople trying to sell solar equipment and falsely claiming to be partnering or working with OG&E.

    “We never call our customers and ask them to pay their bills, nor do we go door-to-door to enroll them in special programs or services. Despite any claims, OG&E does not have any solar panel installation partners, nor do we recommend or partner with any company selling solar generation equipment,” said Aaron Cooper, manager of corporate communications. “We understand the frustrations and impact of scams, and we want our customers to be aware and protect themselves from falling victim to the latest scam. We appreciate the Attorney General and his team for their work to protect Oklahomans from these types of scams.”

    The Consumer Protection Unit of the Attorney General’s office offers tips to avoid falling victim to this scam:

    • No reputable company will pressure you to sign up immediately;
    • No reputable company will demand payment upfront or in a certain format (e.g. wire, Venmo/CashApp/Zelle, gift cards, cryptocurrency);
    • Ignore numbers you don’t recognize;
    • If you believe the offer might be real, go to the OG&E website and call the customer assistance line to verify;
    • If you miss a call from an unknown number, do not call back; and
    • Remind elderly friends and neighbors who may be vulnerable to these types of scams about ways to avoid becoming a victim.

    Anyone who believes they may be victimized by a phone scam should contact the Office of the Oklahoma Attorney General at consumerprotection@oag.ok.gov or (833) 681-1895.

    Editor’s Note: Audio recordings of the scam calls are available upon request by contacting OG&E at ogenews@oge.com or (405) 553-3616.

    Safety Tips
    1. DO NOT reply to any unsolicited email, pop-up message or phone call asking for personal and/or financial information. Legitimate businesses should never ask for this information online.
    2. DO NOT open any email link or attachment if you suspect the message is fraudulent — be suspicious.
    3. DO review account statements regularly to verify all transactions.
    4. DO use anti-virus software, anti-spyware and a firewall — and keep them up to date.
    Password Security

    Generally accepted password standards today include:

    1. Be unique from other business or non-business accounts.
    2. Don’t reuse passwords.
    3. Consist of at least eight (8) characters.
    4. Be composed of each of the following:
    • Lower case letters
    • Upper case letters
    • Numbers
    • Special characters

    Avoid using the following:

    1. Common dictionary words.
    2. Repeating characters.
    3. User information (i.e.: username, first name, last name, phone number, family, towns, state, or institution name).
    How You Can Protect Yourself

    Although AllNations Bank takes precautions to protect your account from unauthorized online access, you must also have the appropriate security practices in place to ensure your information remains safe. Here are some suggestions for keeping your computer secure and safe enough for online banking.

    • Choose a strong password that is at least eight characters long and consists of numbers, letters, and special characters.
    • Make sure your computer has a firewall to help prevent unauthorized access to your computer by restricting allowable communication.
    • Install malware protection and anti-virus software. These programs detect and respond to threats that may reach your computer through an e-mail attachment or website.
    • Regularly update your security programs; otherwise, they will be ineffective against the latest threats.
    • Make it a habit to monitor account activity frequently and notify us immediately if you notice suspicious transactions.
    • Keep login information safe. Do not share your login information with anyone.
    • Be wary of unsolicited e-mail or text messages. Do not open unsolicited e-mails or texts  sent to you from senders you do not recognize or even pretend to be from a business or bank.
    • Use public Wi-Fi connections with caution. Public networks are often unsecure, and information passed through them is not encrypted.
    • Protect your phone or tablet with a password – the more complex your password, PIN, swipe pattern or other form of authentication can be the better.
    Business Email Compromise

    Business email compromise (BEC)—also known as email account compromise (EAC)—is one of the most financially damaging online crimes. It exploits the fact that so many of us rely on email to conduct business—both personal and professional.

    Learn More

    Romance Scams

    Romance scams occur when a criminal adopts a fake online identity to gain a victim’s affection and trust. The scammer then uses the illusion of a romantic or close relationship to manipulate and/or steal from the victim.

    Learn More

    Preventing and Managing Overdrafts

    Preventing and Managing Overdrafts

    Sad stressed woman looking at too many credit cards

    Ways to Avoid Overdraft Fees

    The best way to avoid overdrafts is to watch your account balance – track the money you deposit into and withdraw from your account. You can do this on a paper check register or electronically. Remember to track checks, ATM withdrawals, purchases you make with your debit card, bills that get debited electronically from your account and any fees charged to your account. Signing up for our mobile app or online banking is the best way to watch your account!

    Automated Tools:

    • COMING SOON! Automatic Transfer Overdraft Protection – Link Your Checking Account to a Savings Account –

    If your AllNations Bank checking and savings accounts are linked and you do not have enough money in your checking account to cover a transaction, AllNations Bank will transfer funds from your AllNations Bank savings account to your checking account to cover the difference. This can save you money over other overdraft programs. But this option is useful only if you have enough money in the linked savings account to cover the entire transaction. To link your accounts, talk to an AllNations Bank customer service representative.

    • COMING SOON! Safe Line of Credit –

    This automatically transfers money from your line of credit to your checking account in case of an overdraft. To apply for a Safe Line of Credit, talk to a AllNations Bank customer service representative.

    Forms

    Forms

    Please sign into your Online Banking for access to Change Address forms, Stop Payment forms, etc.

    FDIC Insured

    FDIC Insured

    As a community bank, AllNations remains well capitalized and well positioned to continue to serve our customers and community. We were chartered in 1901, 122 years ago and expect to serve our communities for generations to come.

    As a community bank customer, you have access to our experienced team, and we stand ready to assist you at all times with any of your questions or concerns.

    As a community bank, we take pride in our relationship-based business model focused on building long term trust with our customers. After all, we live in your community too, and your success is our success.

    Nobody has ever lost a dime on FDIC insured deposits up to $250,000. For those customers who have questions about whether additional insurance coverage is needed, we are ready and prepared to assist you in identifying whether additional coverage is necessary and ensuring your deposit needs are met. There are ways to structure account ownership to get more coverage through joint accounts, etc. than the basic $250,000 and we would be glad to review your particular situation.  Beyond account structure, we are members of a group of around 4,000 community banks that have a program that allows us to insure deposits under a single name, products like ICS and CDARS, to place deposits in a way to ensure all deposits have coverage.

    If you have questions about your coverage, or would like to learn more about FDIC insurance or how it works, we encourage you to access the following resources or give us a call directly at 405-893-2240:

    Holiday Schedule
    2024 Holidays

    AllNations Bank observes Federal Holidays and will be closed on the following days:

    • Monday, January 1, 2024 for New Years Day
    • Monday, January 15, 2024 for Martin Luther King Jr. Day
    • Monday, February 19, 2024 for President’s Day
    • Monday, May 27, 2024 for Memorial Day
    • Wednesday, June 19, 2024 for Juneteenth
    • Thursday, July 4, 2024 for Independence Day
    • Monday, September 2, 2024 for Labor Day
    • Monday, October 14, 2024 for Indigenous People’s Day
    • Monday, November 11, 2024 for Veteran’s Day
    • Thursday, November 28, 2024 for Thanksgiving Day
    • Wednesday, December 25, 2024 for Christmas Day
    • Note: Christmas Eve, December 24, 2024 the bank will close at Noon