First National Bank of Fort Smith
First National Bank of NWA, A Division of First National Bank of Fort Smith
National Bank of Sallisaw, A Division of First National Bank of Fort Smith


You may use First National Bank of Fort Smith’s bill paying service, Bill Payment, to direct First National Bank of Fort Smith to make payments from your designated checking account to the "Payees" you choose in accordance with this agreement. The terms and conditions of this agreement are in addition to the account agreements, disclosures and other documents in effect from time to time governing your account.


The term "You or Your" means each person who is authorized to use this service.


The term "PAYEE" means anyone, including the Financial Institution, you designate and the Financial Institution accepts as a "PAYEE".


If it is deemed that the Bill Payment service is not being used within 90 days, First National Bank of Fort Smith may cancel this service.


Service Fees:


Consumer Fees 
-FREE for customers who have a Prestige Platinum Account. 
-FREE for customers who have an Ultimate Checking Account and elect to receive eStatements and eNotices
-FREE for the first 15 Bill payments; .50 for each bill payment thereafter

Business Fees 
-5.95 per month will be charged for the first ten (10) bill payments. There will be an additional .50 fee for each bill payment thereafter. 

RUSH PAYMENT FEES (Note: Guaranteed on-time delivery for all Rush Payments. If not, you will be refunded up to $50 in late fees.)
-Overnight Fee: $19.95 
-2nd Business Day Fee: $14.95

OTHER 
-Gift Checks are $2.99 
-Donations are $1.99


Bill Payment Payee/Payments

First National Bank of Fort Smith reserves the right to refuse the designation of a "PAYEE" for any reason.

You may pay any "PAYEE" within the United States (including U.S. territories and APO's).

First National Bank of Fort Smith is not responsible for payments that cannot be made to incomplete, incorrect, or outdated information.

The Bill Paying Process

Payments will be processed on the business day (generally Monday through Friday, except certain holidays) that you designate as the payment's processing date, provided the payment is submitted prior to the daily processing times on that date. The daily processing times are 7:00 a.m. and 2:00 p.m. CT. 

A single payment submitted after the cut-off time on the designated process date will be processed on the next business day. If you designate a non-business date (generally weekends and certain holidays) as the payment’s processing date, the payment will be processed on the first business day following the designated processing date. 

Recurring Payments: When a recurring payment is processed, it is automatically rescheduled by the system. Based upon your selected frequency settings for the payment, a processing date is calculated for the next occurrence of the payment. If the calculated processing date is a non-business date (generally weekends and certain holidays), it is adjusted based upon the following rules:

If the recurring payment's "Pay Before" option is selected, the processing date for the new occurrence of the payment is adjusted to the first business date prior to the calculated processing date.
If the recurring payment's "Pay After" option is selected, the processing date for the new occurrence of the payment is adjusted to the first business date after the calculated processing date.

Note: If your frequency settings for the recurring payment specify the 29th, 30th, or 31st as a particular day of the month for processing and that day does not exist in the month of the calculated processing date, then the last calendar day of that month is used as the calculated processing date.

Single and Recurring Payments

The system will calculate the Estimated Arrival Date of your payment. This is only an estimate, so please allow ample time for your payments to reach your "Payees". 

Cancelling a Payment

A bill payment can be changed or cancelled any time prior to the cutoff times on the scheduled processing date.

Available Funds

If the funds are not available in your account on the processing date for a scheduled electronic payment or transfer, First National Bank of Fort Smith will deny the payment and attempt to process your payment until funds are available within the next five (5) processing schedules (within 3 business days). Check payments will be sent on the first processing date. The funds will not be withdrawn from the consumer’s account until the merchant cashes the check.

Liability

You will be responsible for any bill payment request you make that contains an error or is a duplicate of another bill payment. 

First National Bank of Fort Smith is not responsible for a bill payment that is not made if you did not properly follow the instructions for making a bill payment. 

First National Bank of Fort Smith is not liable for any failure to make a bill payment if you fail to promptly notify us after you learn that you have not received credit from a "Payee" for a bill payment. 

First National Bank of Fort Smith is not responsible for your acts or omissions or those of any other person, including, without limitation, any transmission or communications facility, and no such party shall be deemed to be the First National Bank of Fort Smith agent. 

Amendment

First National Bank of Fort Smith has the right to change this agreement at any time by notice mailed to you at the last address shown for the account on First National Bank of Fort Smith's records, by posting notices permitted by law.

Termination

First National Bank of Fort Smith has the right to terminate this agreement at any time. You may terminate this agreement by written notice to First National Bank of Fort Smith. 

First National Bank of Fort Smith is not responsible for any payment(s) made before the First National Bank of Fort Smith has a reasonable opportunity to act on your termination notice. You remain obligated for any payments made by First National Bank of Fort Smith on your behalf.