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Deposit Services

Certificates of Deposit

  • Time Certificates- invest you money with a new CD
  • IRAís- invest your money and save on taxes
    • Traditional
    • Roth
    • SEP

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Checking Accounts

  • Regular
  • Now
  • Super Now
  • HI-FI

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Savings Account

  • Choose the account that is right for you and watch your money grow while earning competitive rates.

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Direct Deposit

  • Set up an account that allows your paycheck to be directly deposited into your account each month.
  • Get your payroll check, Social Security, interest check, or other regular payment deposited electronically to your Alva State Bank account. Its easy and secure plus your money gets to the bank quickly and you save a trip!

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Overdraft Privilege

  • Available for eligible customers. Call us today for more information (580) 327-3300

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Competitive Rates:

  • Call us today at 580-327-3300 for current rates on CDís, IRAís, Now, Super Now, HI-FI and savings accounts.

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Bank by Mail

Live out of the area or just hard to travel to one of our locations? Contact us and we will mail you the necessary supplies (deposit or payment envelopes, etc.) to make banking with us easy for you.

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Safe Deposit Boxes

Available at our Alva and Enid Locations

  • Box rent is due annually

  • Alva (box sizes)

    • 3Ĺ x 5 $ 9.00

    • 4Ĺ x 4Ĺ $10.00

    • 3 x 10 $15.00

    • 10 x 10 $35.00

  • Enid (box sizes)

    • 3 x 10 $25.00

    • 5 x 10 $35.00

    • 10 x 10 $55.00

    • 11 x 16 $80.00

  • Freedom Branch

    • Call for Pricing

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Wire Transfers

Need to send money in a hurry? Domestic Wires are available.

  • Incoming Wires FREE

  • Outgoing Wires $12.50

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Drive-Thru Banking:

Weather bad, car full of kids, or just in a hurry, our Alva and Enid locations offer the convenience of being able to conduct your banking transactions without ever leaving your car.


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Loan Services


Alva State Bank specializes in Agriculture, Consumer, Commercial and Real Estate Loans. Take a look at our lending products and find the one that fits your needs.

  • Agriculture Loans
    • Livestock- Cow/Calf
    • Stocker/ Feeder Cattle
    • Crop Production[
    • Agri-Business
    • Grain Facility
    • Feedlot Facility
    • Equipment
  • Consumer Loans
    • Vehicle (Cars, Trucks, SUVís)
    • Recreational (Motorcycles, Boats, Motor-homes, ATVís)
    • Debt Consolidation
  • Commercial Loans
    • Machinery & Equipment
    • Capital Asset
    • Acquisition
    • Construction (Business Only)
    • Expansion
    • Inventory
  • Real Estate Loans
    • Ag Real Estate
    • Commercial
    • Construction


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Green Services

Click the graphic to read Alva State Banks
"Going Green" article.

Transfund ATM and Check Cards

  • Use your Transfund Check Card 24 hours a day to access your Alva State Bank & Trust accounts at any ATM Locations. Or use it instead of cash, credit or writing a check anywhere Visa is accepted. The amount of the purchase will be deducted from your checking account.
  • Using a Transfund ATM Card gives you instant access to your Alva State Bank accounts at more than 100,00 stations world wide. Get cash, make deposits, transfer between accounts, even check your balance at any location displaying the Transfund or Cirrus Symbol.

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Alva State Bankís FREE 24 hour automated phone system allows for ďanytime bankingĒ from any touch-tone phone. Call 580-327-3300 to get started with:

  • Easy transfers between accounts
  • Balance Inquiries
  • Transaction and Deposit Inquiries
  • Make Loan Payments
  • Request a faxed copy of your bank statement.

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Our FREE 24 hour Online Banking feature allows you to manage your Alva State Bank account(s) at any time in the comfort of your home or office.

  • Check Balances, Transactions, Deposits, and Monthly Statements
  • Make loan payments
  • Transfer Funds between your ASB accounts
  • Print, Save or Download your previous monthly bank statements
  • Access Online Bill Pay

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Our newest feature, FREE Online Bill Pay will allow you to pay any bill at anytime, without ever leaving your home or office. Simply input your monthly bill information and designate the payment date. The funds will be deducted from you account and the bill will be sent to the correct merchant or service provider. The information will then be saved in your account for quick and easy use next month

  • Online Bill Pay will remain FREE as long as the service is being utilized. If you do not access iPay for 3 consecutive months, a $5 fee will be deducted from your account.

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Business Services

Merchant Services

  • Credit card processing. Itís a partnership between our bank and your business to get low standard rates with no hidden costs and affordable equipment. Whether you lease or own your equipment we can offer the convenience of excepting Visa, Mastercard (debit or credit), American Express, and Discover.

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Remote Deposit Capture

  • Also called Merchant Check Capture, allows business merchants to convert their business checks and deposit into image form, balance that transaction and upload to the bank for update.
  • Available for eligible customers. Some Restrictions May Apply
    o Please contact Todd Holder, Cashier at 580-327-3300 or e-mail him at

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Premium Services

  • Certified Money Orders*
  • Night Depository
  • Free Notary Services
  • US Savings Bonds
  • Account Balancing Assistance
  • Coin Counting
  • Faxing*
  • Account Research*

*See schedule of fees


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