Oklahoma-based community bank offering personal and commercial checking, savings, CDs, IRAs, loans, and trust services since 1971.
Editorially reviewed by Harvey Brooks
American Bank and Trust Company was chartered in Oklahoma in 1971 by W.K. Warren Sr. under the name American Bank of Tulsa. The institution expanded its offerings in 1983 when it was granted trust powers and adopted its current name. The bank operates as a traditional community bank with a stated philosophy of providing personalized, one-on-one customer relationships rather than competing on scale.
The bank offers a comprehensive suite of financial services across personal and commercial banking. Personal customers can access checking and savings accounts, CDs and IRAs, and personal loans. Commercial clients have access to checking, savings, CDs, cash management services, trade finance, and commercial loans. Additional services include trust services, bill pay (both personal and commercial), telephone banking via touch-tone teller, ATM/check cards with Visa functionality, remote deposit capture, safe deposit boxes, cashiers checks, wire transfers, and coin counting services.
American Bank and Trust distinguishes itself through emphasis on personal relationships and community presence. The bank maintains multiple physical locations with posted hours, ATM networks accessible at over 400,000 worldwide locations via TransFund and CIRRUS networks, and dedicated customer service phone lines. Their remote deposit capture service allows business customers to deposit checks electronically from their offices.
As a regional community bank, American Bank and Trust is best suited for customers prioritizing local relationships and personalized service over digital-first banking. The institution appears to focus on Oklahoma-based customers given its Tulsa headquarters and website domain. Customers should note that the website copyright shows 2010, suggesting the online presence may not reflect current offerings or technology standards.
Yes. American Bank And Trust Company is a registered company headquartered in Tulsa, OK, founded in 1971. They hold a rating with the Better Business Bureau.
Account opening typically takes 1-3 business days. Loan decisions vary by product.
CreditDoc Diagnosis
American Bank and Trust Company is best for Oklahoma-based customers—both personal and business—who prioritize personalized service and community relationships over cutting-edge digital banking. The main caveat is that this appears to be a traditional, brick-and-mortar regional bank with an outdated web presence; customers seeking modern mobile banking, fintech features, or national availability should look elsewhere.
Public data from the Consumer Financial Protection Bureau
Source: consumerfinance.gov | Last checked 2026-03-24
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