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Personal Checking

First National Bank of Fort Smith makes everyday banking an easy task.

We offer a wide range of checking accounts for all needs. Our knowledgeable and friendly customer service team can help you find the right fit.

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

Checking Account Feature Comparison

 
@First Checking
Ultimate Checking
Prestige Platinum(1)
View Details
Max Checking(2)
Rate Requirements
HSA Checking(3)
Opening Deposit
$50 $50 $50 $50 $25(3)
Monthly Requirements
(To avoid monthly fee)
None None $5,000 balance $1,000 balance or meet rate requirements $5,000 balance
Monthly Fee
(If monthly requirements are not met)
$0 $6 Single
$8 Family
$10 $10 $2
Earns Interest(5)
No No Yes Yes Yes
Free Debit Card
Yes(6) Yes(6) Yes(6) Yes(6) Yes(6)
Online, Mobile, Phone and Text Banking
Yes Yes Yes Yes Yes
Online Bill Pay Fee
$0.50 per transaction Free with eStatements or $0.50 transaction with paper statements FREE $0.50 per transaction $0.50 per transaction
Unlimited Check Writing
Yes Yes Yes Yes Yes
Money Orders & Cashier’s Checks
Published Price FREE FREE Published Price Published Price
Paper Statement Fee
$3 $3 FREE $3 FREE
eStatements
Yes Yes Yes Yes Yes
Benefits
No Yes(7) Yes(7) No No
Save the Change Rewards
Yes Yes Yes Yes No
Debit Card Rewards
Yes(8) No No No No
Mobile Safeguard
$3.95(9) No No No No
Additional Features
Mobile Safeguard Plus(10)   Bank Escorted Group Travel    
  1. 50 Years and Over.
  2. Refer to MAX Checking Brochure for rate requirements.
  3. A tax-exempt trust or custodial account established exclusively for the purpose of paying qualified medical expenses. All expenses must be qualified under Section 213 (D) of the Internal Revenue Code. To qualify, you must be covered by a Qualified High Deductible Health Plan (HDHP), You cannot be covered by a health plan other than a HDHP, you cannot be enrolled in Medicare and you may not be claimed as a dependent on another person’s tax return.
  4. One time Set-Up Fee of $15.00. Waived if health insurance is with B-H-C.
  5. Interest Rate is established at the discretion of the bank. Interest rate and annual percentage yield may change. First National Bank uses the daily balance method to calculate the interest on your account. Interest will be credited to your account at the end of the statement period. Under Federal Law, the Bank may require written notice 7 days prior to an intended withdrawal.
  6. See First National Bank Debit Card Application and Disclosure.
  7. Shopping, Travel & Entertainment Benefits, Health Benefit Discounts, and Security Benefits: $100,000.00 Common Carrier Insurance & $10,000 Accidental Death & Dismemberment Insurance Coverage. See certificate for further details.
  8. With e-Statements on signature based transactions. See Debit Card Reward Brochure for details.
  9. Additional Benefits to the @First Account: $10,000 Accidental Death Insurance, Emergency Travel Assistance Services, Identity Theft 911, Mobile Wallet powered by ATMSafe, Emergency Alerts, TrackUs, Geo Fencing Alerts and Phone Blocker. See Mobile Safeguard Brochure for details.
  10. Mobile Safeguard Benefits plus Phone Warranty Program available for an additional charge (see chart below).