First National Bank of Fort Smith

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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

REPORT A CARD LOST/STOLEN:

This option is available thru your Online Banking Service.

479-788-4600
7:00 a.m. - 6:00 p.m. Mon-Fri
9:00 a.m. - 2:00 p.m. Sat

1-866-546-8273 (After Hours)

Checking Accounts

First National Bank of Fort Smith makes everyday banking an easy task. With a wide range of checking accounts suitable for all needs, a knowledgeable staff and friendly customer service, we can help you achieve your goal of opening the right checking account for you. For complete details regarding our many products and services please email us or contact us today.

Notice: email is not secure and may be intercepted by unauthorized individuals or entities. Never transmit any confidential personal or financial information via e-mail.

Visit the E.D.I.E. (Electronic Deposit Insurance Estimator) website to find out if you have adequate deposit insurance for your account.

Free Checking
Ultimate Checking
Non-Profit Accounts

Prestige Platinum Club Accounts
Max Checking
Money Market Checking

Free Checking ^Top

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 a $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.

Ultimate Checking ^Top

Minimum Opening Deposit $100.00
Free Specialty Gray Checks
Check Card*
Free Online Banking
Free Travelers Checks, Money Orders, & Cashier's Checks
No Minimum Balance
LifeLock
Identity Theft 911 ~ Lifestages
Living Family Journal
Shopping, Travel & Entertainment Discounts With EasySaver^SM
Prescription Drug Discounts
Monthly Fee is based on Accidental Death Insurance Selected:

$6.00
      $10,000.00 Accidental Death Insurance
      ($100,000.00 while on common carrier)

$8.00
      $20,000.00 Accidental Death Insurance
      ($100,000.00 while on common carrier)
       $1,000.00 Accidental Death Insurance per each child age birth to twenty-five (25) years.

*See First National Check/ATM Card

Non-Profit Accounts ^Top

Minimum Opening Deposit $100.00
No Minimum Balance
No Monthly Fee (If the account is less than $100.00 and inactive for one year, there will be a $5.00 per month dormant fee.)
Unincorporated Non-profit Organizations such as clubs, charitable organizations, and religious groups

Interest Bearing Checking 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 the 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 non-cash 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, interest through the prior business day will be paid at the time the account is closed.

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 a current interest rate disclosure to determine the interest rate and annual percentage yield on this account.

Prestige Platinum Club Accounts Click HERE to Learn More about Prestige Platinum Club ^Top

50 Years and Over
$10,000.00 Accidental Death Insurance
$100,000 Common Carrier Accidental Death Insurance
Minimum Opening Deposit $5,000.00
Interest Bearing
No Monthly Fee if $5,000.00 average daily balance is maintained*
Free Prestige Platinum Checks
Free Travelers Checks, Money Orders, & Cashier's Checks
Bank-Sponsored Group Travel & Recreational Events
Check Card**
Free ATM Card**
Free Online Banking
Free Online Bill Payment
LifeLock
Identity Theft 911 ~ Lifestages
Living Family Journal
Shopping, Travel & Entertainment Discounts With EasySaver^SM
Prescription Drug Discounts

*A $10.00 fee will be charged each statement period if the average daily balance for the statement period falls below $5,000.00
**See First National Check/ATM Card

Max Checking Statement Calendar (See Requirements Below) ^Top

Minimum Opening Deposit $100.00
Interest Bearing
No Monthly Fee
No Minimum Balance
Free Check Card*
Free Online Banking
Free eStatements
Free 24 Hour Telephone Banking

*See First National Check/ATM Card

Requirements
Earn 1.15% APY on balances up to $15,000 when you meet all four requirements
during the statement cycle.

Use Online Banking
Enroll in eStatements (must view statement monthly)
One ACH Transaction (Debit or Credit) each qualification period. (Paper-to-Electronic converted items are excluded.)
Fifteen (15) Point of Sale (POS) Transactions posted to the account during the qualification period (excludes ATM transactions).

Money Market Checking

^Top

Minimum Opening Deposit $1,000.00
Interest Bearing
No Monthly Fee if $1,000.00 average daily balance is maintained*
Check Card**
Free Online Banking

*A $7.00 minimum balance 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