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Prestige Platinum
About Us
First National Bank
First National Bank of Fort Smith
P. O. Box 7
Fort Smith, Arkansas 72902
Tel: 479-788-4600 (Call Center)
Call Center Hours:
7:00 a.m. - 6:00 p.m. Mon-Fri
9:00 a.m. - 2:00 p.m. Sat
P. O. Box 7
Fort Smith, Arkansas 72902
Tel: 479-788-4600 (Call Center)
Call Center Hours:
7:00 a.m. - 6:00 p.m. Mon-Fri
9:00 a.m. - 2:00 p.m. Sat
Deposit Accounts
**See First National Check/ATM Card
For more information, please call 479-782-2041 or use our account package request form and we will follow up with information by email, phone, or fax.
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| Free Checking Account |
- Minimum Opening Deposit $100.00
- Individuals Only
- 1st Order of Specialty Gray Checks Free
- Check Card*
- Free Online Banking
- No Miminum Balance
- No Monthly Fee (If the account is less than $100.00 and inactive for six months,
there will be $5.00 per month dormant fee). - Itemized Monthly Statement**
*See First National Check/ATM Card
**There is a $2.00 per month fee for images of checks and deposits
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| Regular Checking Account |
- Minimum Opening Deposit $100.00
- Check Card*
- Free Online Banking
- Monthly Fee is based on the mimimum daily balance during the statement period:
| $500.00 & over | No Charge |
| $400.00 to $499.99 | $2.00 |
| $300.00 to $399.99 | $3.00 |
| $200.00 to $299.99 | $4.00 |
| $100.00 to $199.99 | $5.00 |
| Below $100.00 | $6.00 |
*See First National Check/ATM Card
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| Ultimate Checking Account |
- Minimum Opening Deposit $100.00
- Free Specialty Gray Checks
- Check Card*
- Free Online Banking
- Free Travelers Checks, Money Orders, & Cashier's Checks
- Nationwide Discount Book
- No Minimum Balance
- Monthly Fee is based on Accidental Death Insurance Selected:
- $6.00 Individual Coverage
$10,000.00 Accidental Death Insurance**
($20,000.00 while on common carrier)
- $8.00 Family Coverage - Joint Account
$10,000.00 Accidental Death Insurance**
($20,000.00 while on common carrier)
for you and your spouse and $1,000.00 Accidental Death
Insurance per each child age birth to nineteen (19) years.
- $6.00 Individual Coverage
*See First National Check/ATM Card
**Coverage is reduced by one-half at age 70.
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"No
Hassle" Switch
Moving your checking account to a First Bank Corp. Financial partner
is as easy as One, Two, Three!
As our new customer you will receive:
First order of checks FREE, Check/ATM Card*, Personal Online Banking
FREE, Personal Online Bill Payment FREE for the first 60 days, We'll
shred your old checks for your protection!
Three "No Hassle" Steps to FBC banking!
ONE: Choose the First Bank Corp. bank most convenient for you.
Then, open your First Bank Corp. account with a minimum deposit of
$100. Find one of our many banks that is most convenient for you.
TWO: Open,
print and fill out these simple authorization forms
to move your direct deposits to your new account and to set up any
automatic payments. Then mail the forms to each depositor (employer,
Social Security, etc.) and to each company or organization with whom
you have arranged for automatic payment. Our friendly bankers will
help facilitate this process. Get contact information for many local
Utilities etc.
THREE: Close your existing account. Just fill out the
authorization form to close your account(s). This gets mailed to
your old bank. We suggest you select a closing date for your old
account approximately 30 to 45 days from your "close account"
request to allow any outstanding checks to clear. Again, our
friendly bankers will answer any questions and help you make the
move.
*There is no monthly charge for the use of your card either through
a merchant that accepts VISA® or a First National Bank of Fort
Smith, Citizens Bank & Trust Company of Van Buren, National Bank of
Sallisaw, or Bank of Rogers ATM machine. However a $1.00 charge will
be made against your account when you use your card at any other ATM
location. If the card is not used during the month, you will be
charged $1.00 inactive fee per card unless it is a Prestige Platinum
account.
First Freedom eAccount
there will be a $5.00 per month dormant fee)
*Interest will not be paid when the average daily balance for the statement period falls below $1,000.00
**See First National Check/ATM Card
***There is a $5.00 per month fee for a paper statement.
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| Christmas Club |
- Minimum Opening Deposit $5.00
- Account is NOT interest bearing.
- Christmas Club book is required to make deposits.
- Account is not subject to check withdrawals. If a withdrawal is requested prior to maturity,
the full amount in the account must be withdrawn - Account matures on October 31st of each year and a check for the full amount is issued.
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| Individual Retirement Accounts |
The key word in the phrase "Individual Retirement Account" is
individual.
In other words, if you want your retirement to live up to your
financial expectations, you can rely on one individual: you.
Today, you won't find many employers who will completely fund your
retirement for you. It's unlikely that you will spend your entire
career working for one company. That's why an IRA is so important.
With an IRA, you can make tax-favored contributions for yourself
from the first year you begin working until the age of 70 and 1/2.
And, during both your working years and your retirement, you can
manage your IRA assets according to your personal needs and
circumstances.
IRA Questions and Answers:
Q. What is an Individual Retirement Account and how does it
work?
A. An IRA gives you the chance to set up a tax-favored
retirement account for yourself and your beneficiaries. Typically,
your IRA is created as a trust or a custodial account with a bank
acting as your trustee or custodian. And each year, you can make IRA
contributions, which are held and invested for your benefit until
you are ready to receive them in retirement.
Q. How do I qualify to open an Individual Retirement Account?
A. All you have to do is earn compensation. This compensation
can be in the form of wages, salary, commissions, tips, professional
fees, bonuses or other amounts in return for service. (All taxable
alimony and separate maintenance payments received by an individual
under a decree of divorce or separate maintenance are treated as
compensation for IRA purposes.) You can also set up an IRA if you
work for yourself and have income either from a sole proprietorship
or a partnership (assuming you are an active partner who provides
services to the partnership).
For more information about IRA's, please fill out our
account
package request form and specify that you would like information
about Individual Retirement Accounts.
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| Interest Bearing Accounts |
FNB offers a variety of interest bearing accounts:
These accounts earn interest at a rate that is established at the
discretion of the bank. Your interest rate and annual percentage
yield may change. We use the daily balance method to calculate
interest on your account. This method applies a daily periodic rate
to the principal in the account each day. Interest is not
compounded. Interest begins to accrue on the business day you
deposit noncash items (example, checks). Interest will be credited
to your account at the end of the statement period.
If the account is closed prior to the end of the statement period,
no interest will be paid unless the funds are transferred to another
First National interest earning account. Under Federal Law the Bank
may require written notice of an intended withdrawal from an
interest earning account seven (7) days before withdrawal. Please
review our rate table to determine the interest rate and annual
percentage yield on these accounts.
$100.00 minimum opening
balance
Free Online Banking with Bill Pay
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| Max Checking |
- 5.15% APY paid on balances up to $15,000 and 1.15% APY paid on all amounts over $15,000 when all the requirements are met.*
- Minimum Opening Deposit $100.00
- No Monthly Fee
- No Minimum Balance
- Free Check Card**
- Free Online Banking
- Free eStatements
- Interest Bearing
**See First National Check/ATM Card
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| Prestige Platinum Club |
- 50 Years and Over
- Minimum Opening Deposit $1,000.00
- Interest Bearing
- No Monthly Fee if $1,000.00 average daily balance is maintained*
- Free Prestige Platinum Checks
- Free Travelers Checks, Money Orders, & Cashier's Checks
- Nationwide Discount Book
- Bank-Sponsored Group Travel & Recreational Events
- $100,000 Common Carrier Accidental Death Insurance
- Check Card**
- Free ATM Card**
- Free Online Banking
- Free Online Bill Payment
*A $10.00 fee will be charged each statement period if the average daily balance for the statement period falls below $1,000.00.
**See First National Check/ATM Card
Account Package
Request Form
See what the Prestige Platinum Club is all about.
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| Regular Savings Account |
- Minimum Opening Deposit $25.00
- A total of six transfers or withdrawals are allowed each month.
- If the account balance is less than $100.00, there is a $1.00
charge per withdrawal in excess of six per quarter. - If the account balance is less than $100.00 and is inactive for one year,
there will be a $2.00 per month dormant fee. - Interest rate established at the discretion of the bank. The interest rate and annual percentage yield may change.
- Interest is compounded daily.
- Statements are mailed quarterly.
- Interest is paid at each quarterly statement.
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| Looney Tunes Savings Account® |
- Account for those up to age 16. Upon the 16th birthday, the account will convert to a regular savings account.
- No minimum deposit to open this account.
- No monthly service fee.
- Unlimited deposits and up to six withdrawals per quarter.
- Interest rate established at the discretion of the bank. The interest rate and annual percentage yield may change. Interest compounded daily.
- Statements are mailed quarterly.
- Interest is paid at each quarterly statements.
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| Money Market Savings Account |
- Minimum deposit to open this account is $1,000.00.
- No Monthly Service charge if the $1,000.00 average daily balance is maintained. If the average daily balance drops below $1,000.00, there is a $7.00 charge for the statement period.
- A total of six transfers or withdrawals are allowed each month. Three of these six transfers can be make by check, draft or similar order made to third parties. Each transfer thereafter, must be made in person or by messenger.
- Interest rate established at the discretion of the bank.
The interest rate and annual percentage yield may change. - Interest is not compounded.
- Statements are mailed monthly.
- Interest is paid at the end of the statement period.
- Tiered Interest Rate Structure.
Daily Balance
Up to $9,999.99 Rate 1 $10,000.00 to $24,999.99 Rate 2 $25,000.00 to $49,999.99 Rate 3 $50,000.00 to $99,999.99 Rate 4 $100,000.00 and over Rate 5
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| Health Savings Account |
An HSA is a tax-exempt trust or custodial account
established exclusively for the purpose of paying qualified medical
expenses of you, your spouse, and your dependents. The funds are
owned and controlled by you. You may use your HSA to pay
first-dollar expenses that may apply to your deductible and
coinsurance. All expenses must be qualified under Section 213(D) of
the Internal revenue Code. An HSA allows you to enjoy unique tax
benefits and affordable health premiums without risking your
protection. The money that you have contributed but did not use,
remains in your HSA account year after year.
The minimum deposit to open this account is $25.00. This account
comes with a check card, third party withdrawal slips, deposit
slips, and a monthly bank statement with images all at no cost to
you. This account is interest earning and the monthly fee* is $2.00.
There is a one time set up fee of $15.00.
* Waived if average daily balance for the statement period is $5,000
or above.
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| Certificates of Deposit |
The minimum deposit to open a Certificate of
Deposit is $1,000.00.
Click here
to review our rate table to determine the interest rate and
annual percentage yield on Certificates of Deposit.
Single Maturity-Fixed Rate Certificate of Deposit
Your Certificate earns interest at the rate set by the Bank at the
time of deposit. You will be paid this rate until your Certificate
matures. This account will not renew automatically at maturity. You
have a seven (7) calendar day grace period after maturity to renew
or add to your Certificate without loss of interest. If you choose
to withdraw your Certificate, no interest is paid after maturity.
Automatic Renewable Certificate of Deposits
Your Certificate earns interest at the rate set by the bank at
the time of deposit. You will be paid this rate until your
Certificate matures. Your Certificate will automatically renew at
maturity. Your interest rate and annual percentage yield may change
at maturity. The interest rate and annual percentage yield shall be
the rate the Bank is offering at the time your Certificate matures
on new certificates of the same term and amount.
The Bank retains the right to redeem your Certificate at any
original or subsequent maturity date upon ten (10) calendar days
prior written notice. You will have seven (7) calendar days after
the original maturity and each subsequent maturity to withdraw your
Certificate without penalty. You may add to your Certificate during
the seven (7) day grace period without loss of interest on the
original Certificate. If you choose to withdraw your Certificate, no
interest is paid after maturity.
Variable Rate Certificate of Deposits
Your interest rate and annual percentage yield may change. The
interest rate as shown on your certificate is indexed to the average
discount rate for the twenty-six (26) week U.S. Treasury Bills
determined by the weekly auction. Your interest rate is adjusted
each week on the first business day following the auction. These
certificates are available with a maturity of twelve (12) to
twenty-four (24) months. This account will not renew automatically
at maturity. No interest will be paid after maturity.
Calculation and Payment of Interest Certificates of Deposits
Certificates of Deposit with a maturity of less than six (6)
months or less than $5,000 will have interest paid at maturity, and
interest is not compounded.
On Certificates of Deposit with a maturity of six (6) months or
longer and for $5,000 or more, interest is compounded monthly. You
may elect to have your interest paid monthly, quarterly,
semi-annually or annually. Your annual percentage yield assumes
interest will remain on deposit until maturity. A withdrawal of
interest will reduce earnings.
Interest is not compounded on Variable Rate Certificates of Deposit,
but you may elect to have your interest paid monthly, quarterly,
semi-annually or annually.
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