Answers to Frequently Asked Questions

Answers to many questions may be found within our Knowledge Base.
What do I need to do to get a Larry Elder Book?
Open a new Old Glory Bank Freedom Spending Account with at least $50.00 starting on January 26, 2024, and activate your Old Glory Bank Debit Card within 7 days of receipt and earn a free copy of Larry Elder’s new book, As Goes California. Only while supplies last, so hurry!! See full terms and conditions here.
Who is the Operational Team at Old Glory Bank?
Old Glory Bank is blessed to have great co-founders and thought leaders such as John Rich, Larry Elder, Dr. Ben Carson, and Governor Fallin. Additionally, behind the scenes, we have a large senior management team of humble patriots who are working nonstop to deliver great products, brand values, and services to our Old Glory Nation.™ Our senior management team represents the best of Middle America and you can meet some of them here.

Who do I contact if I need help?
Please go to our Customer Service page for assistance.
Where can I find how-to videos and other Old Glory Bank content?
You can find our how-to videos under "What We Offer" on our website's navigation bar or you can also go to:

What do I need to open an account with Old Glory Bank?
All you need is your Government-issued photo ID (e.g., Driver's License) and then click here to open your account in just 8 minutes.

What is Old Glory Bank's routing number?

Old Glory Bank's routing number is 103113441.

How can I tell if I’ve been the victim of fraud or identity theft, of whether someone is trying to scam me?

As part of our commitment to prevent fraud in the financial and banking industry, Old Glory Bank is committed to informing you of ways to avoid fraud, scams, theft, and other methods criminals will use to attempt to steal your money. The links below offer valuable information to help you avoid being a victim.

Where are Old Glory Bank branches and will you be opening one in my neighborhood?
Most customers will interact with Old Glory Bank through our App or website because we will have one of the best mobile and online banking platforms in America. We would love to have you visit us in our physical branch in beautiful Elmore City, Oklahoma, but with our great mobile banking, your bank can always be in your pocket. We do not know when another traditional brick-and-mortar branch will open, but with our incredible mobile banking, you can seamlessly bank from anywhere, just like if you walked into a traditional branch.

Why have I never heard of Old Glory Bank?
Old Glory Bank was previously called First State Bank which is located in Elmore City, Oklahoma, and was established in 1903. In November of 2022, we acquired First State Bank and changed its name to Old Glory Bank. There is a new group of owners, executives, and board members who have centuries of experience in banking and technology. With our great mobile banking solutions, Old Glory Bank will be your hometown bank, no matter where you call home.

What does Old Glory Bank stand for?
Old Glory Bank is named for the American Flag. As a bank, we will openly support our country, flag, military, police, and the people we call the engine of America—the hard-working patriots who make this country run every day. If you believe in freedom, liberty, security, faith, and family, we will be your bank. We won’t cancel law-abiding customers for their beliefs. We will protect your security and privacy. We support your business and livelihood—regardless of your industry. Whether you’re in the oil business, a firearms retailer, or a meat producer, Old Glory Bank will be the bank for you. We stand with you. No matter where you stand.

What is Old Glory Bank's Mission Statement?
Our Mission Statement was adopted on June 21, 1788. You can find a copy online. While we refer to this document as our Mission Statement, most folks know it as our US Constitution. Of course, it’s been amended many times, most importantly on December 15, 1791, with the adoption of the first Ten Amendments, importantly known as our Bill of Rights.

How can Old Glory Bank be FDIC insured and still protect me from federal overreach?
What makes Old Glory Bank so safe and secure for your deposits is that we are FDIC-insured up to $250,000 per depositor. We are not a “challenger” bank like so many of the online providers who partner with a third-party bank that controls things behind the scenes. We are a real bank and have a great and easy mobile banking solution, accessible on your computer and your smart device. We will stand with you, no matter where you stand. Of course, Old Glory Bank will absolutely comply with lawful orders, including, for example, a garnishment to pay child support and lawful requirements to report your income. We will never be a bank for criminals or support criminal activity. Just the opposite. We believe in the rule of law and the U.S. Constitution. Therefore, if a government official requests that we punish or cancel you for lawfully attending a protest, we will not comply. If there is a request to punish or cancel you for conducting lawful business, that request will be unlawful, and we will not comply. If other banks (and tech companies) want to stand with their elite friends in government and media to punish and cancel Americans for fossil fuels, the meat industry, firearms, or speaking truth to power, that’s on them. Old Glory Bank will never punish or cancel customers for their lawful activities. Instead, we stand with you.

How secure is my money?
Old Glory Bank is a chartered, FDIC-insured bank. So, as secure as it can get. Customers are insured by the FDIC up to $250,000 per depositor.

Is it safe to use my Old Glory Bank Debit Card?

Your Old Glory Bank Debit Card is generally as safe as a credit card, unless you ignore your account and let the fraud linger (which you should never do). If you notify us within 2 business days of your debit card being lost or stolen, or within 2 business days of someone using your debit card fraudulently, you are generally responsible for only the first $50 (just like most credit cards). If for some reason, you don't notify us within the first 2 business days, and wait up to 60 days (which you should never do), then you are generally responsible for only the first $500 (just like most credit cards). If you completely ignore the fraud and never inform us, then you may be responsible for the full loss, but don’t let that happen. Please stay aware of your account activity.

One of the reasons why we LOVE our Old Glory Bank technology is because you get notified on your phone (and your smartwatch, if you choose) each time your Old Glory Bank Debit Card is used. Thus, you should never be surprised about a fraudulent charge. If for some reason, you don't have your phone alerts turned on (we strongly recommend that you do), then merely go into our Card Manager feature within your Old Glory Bank App and look at your card activity. Not only does our great technology show you each charge, but it also shows you a logo of the merchant and the location. Thus, you should never be confused as to whether you made a charge.

Also, please remember that you can easily turn your Old Glory Bank Debit Card "on and off" in our Card Manager feature, so that if you leave behind your debit card somewhere safe, you can turn it “off” until you retrieve it. That way, you don't need to cancel your debit card and get a replacement card (unless it's actually lost or stolen). Just wait until it's back in your possession and then turn it back on.

You can use your Old Glory Bank Debit Card with confidence, so make a statement and proudly use your Old Glory Bank Debit Card everywhere!

Is Old Glory Bank a real bank?
Yes. Old Glory Bank (formerly known as First State Bank) is a 120-year-old, FDIC-insured Bank, from Elmore City, Oklahoma. Most customers will interact with us on their smart phone or the Internet because we have one of the best mobile banking apps and websites, but you will also be able to walk into our branch and talk with a teller in beautiful Elmore City, Oklahoma. And, if you want to talk to someone, we will be accessible online and by phone.

Is Old Glory Bank a challenger bank?
No. Old Glory Bank is an actual, FDIC-insured bank. You may have seen some of the new “financial service” companies who call themselves “challenger” banks or “neo” banks. These companies are not actual banks, and they are not even allowed to call themselves a bank, which is why “bank” is never in their name. Old Glory Bank is an FDIC-insured, chartered bank. Your money will be safe and secure with us, and we will control who can hold an account—not some other institution behind the scenes. So, bank with a real bank—Old Glory Bank.

What is Old Glory Pay?
As part of our promise not to cancel law-abiding customers for their beliefs, Old Glory Bank has launched its own payment App called Old Glory Pay. Old Glory Bank customers can send payments to other Old Glory Bank customers without their money ever leaving the Old Glory Bank eco-system, which means no institution can cancel your payments or withhold your funds for whatever reason they choose. Also, with Old Glory Pay, since both parties in a transaction are Old Glory Bank customers, there is an immediate settlement of funds and you do not wait for access to your money. Because Old Glory Pay links seamlessly with the Old Glory Bank App, you will be able to see immediately when a transaction hits your bank account. Logging into Old Glory Pay is easy.  Just use the same username and password as your Old Glory Bank account. Also coming soon will be solutions for merchants to accept Old Glory Pay and a cancel-proof crowd fundraising solution.

Will Old Glory Bank have the latest banking features?
Yes. With Old Glory Bank, you can get free overdraft protection,* no monthly fees (no exceptions), no fees for in-network ATMs, free bill pay,* free monthly transfers and electronic statements. We are also doing something very special with Charitable Round-Up, where you can round-up to the next dollar when you use an Old Glory Bank card and make an automatic donation to one of our great charities. 100% of your Charitable Round-Up goes to your selected charity, and we do it all for free.
*Conditions apply.

Will you offer business banking? SBA Loans?

Yes, Yes, and Yes!   

We have very flexible business banking accounts. See them here.

We have 3 experienced team members solely focused on business loans, including SBA Loans. Our priority is small business and our sweet spot for business loans is $100,000 to $750,000. For SBA Loans, we can assist with loans in the amount of $100,000 to $2,000,000. Please call us to get started!  

Which ATMs can I use for free?
Old Glory Bank will provide customers with free ATM access at any of its 40,000 in-network ATMs. You will be able to easily locate an Old Glory Bank in-network ATM using the ATM locator in our mobile App and website. Of course, your Old Glory Bank debit card will work at almost every ATM on the planet, it just means you may have to pay a small fee (e.g., $3.50), if it's not one of our free ATMs. 

How do I access my money?
You will be able to pay your expenses with an Old Glory Bank debit card, online bill pay, and ACH transfers. You will be able to withdraw cash for free from one of our 40,000 in-network ATMs, which you can easily find using our ATM locator in our mobile App and website. Of course, your Old Glory Bank Debit Card will work at almost every ATM on the planet, it just means you may have to pay a small fee (e.g., $3.50), if it's not one of our free ATMs. Please note: In some cases, the owner/operator of an ATM may impose withdrawal limits that are less than what Old Glory Bank allows.

Where can I use an Old Glory Bank debit card?
Every location where Mastercard® is accepted, which is just about everywhere.

How much money do I need to open an account?
You can open an account for as little as $50. Terms and conditions will apply to benefit from our many features. Full account details will be provided to you when it is time to open your account.

Will you sell my personal information?
The right to privacy is self-evident. That’s why Old Glory Bank’s privacy pledge is simple: Unless you authorize it, we will not share any of your information with anyone, unless legally compelled through a lawful (non-political) process. No big-tech leaks, no outside advertisers, no “helpful notes” to the government. When you bank with Old Glory Bank, your lawful activity is your business.

How secure is my personal information?
As with all things, Old Glory Bank is smart and serious about information security. All vital customer information is encrypted to AES-256 standards and stored in different locations. Keeping your account details secure by not sending snail-mail is also an important decision to keep your information out of the hands of criminals. Of course, we humans are often the weak link in data security. That’s why Old Glory Bank requires multi-factor authentication. Remember, always keep your username, passwords, and authentication devices secret and safe. Contact us quickly if you have reason to believe your access or information has been compromised.

Offering Credit Cards is hard.  How did Old Glory Bank launch it so quickly?

We had help. Old Glory Bank has already safely and successfully launched mobile banking for both consumers and businesses, launched Old Glory Pay, and Home Loans and Business Loans. We knew credit cards are desired by many of our customers, so to ensure we could bring great credit card options to you quickly, we made the important decision to engage Fifth-Third Bank, a specialty provider of credit cards. Old Glory Bank is already building its own credit card operations and we will be ready in Fall 2025.  If you have any questions, please call us at 888-44OldGlory (888-446-5345).