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.
- 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.
- 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.
*See First National Check/ATM Card
**Coverage is reduced by one-half at age 70.
- Minimum Opening Deposit $100.00
- Check Card*
- Free Online Banking
- Monthly Fee is based on the minimum daily balance during the statement period:
| $500.00 & over...No Charge | $200.00-$299.99...$4.00 |
| $400.00-$499.99...$2.00 |
$100.00-$199.99...$5.00 |
| $300.00-$399.99...$3.00 |
Below $100.00.......$6.00 |
*See First National Check/ATM Card
- 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 | ^Top |
- 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
- 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
| 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
|
