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.

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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(4)
No No Yes Yes Yes
Free Debit Card
Yes(5) Yes(5) Yes(5) Yes(5) Yes(5)
Online, Mobile, Phone and Text Banking
Yes Yes Yes Yes Yes
Online Bill Pay Fee
First 15 bill pay transactions free, then .50 per item thereafter Free with estatements or first 15 free then .50 per item thereafter with paper statements FREE First 15 bill pay transactions free, then .50 per item thereafter First 15 bill pay transactions free, then .50 per item thereafter
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
Yes Yes Yes Yes Yes
No Yes(6) Yes(6) No No
Save the Change Rewards
Yes Yes Yes Yes No
Debit Card Rewards
Yes(7) No No No No
Additional Features
    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. One time Set-Up Fee of $15.00. Waived if health insurance is with B-H-C.
  4. 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.
  5. See First National Bank Debit Card Application and Disclosure.
  6.  Security Benefits: $100,000.00 Common Carrier Insurance & $10,000 Accidental Death & Dismemberment Insurance Coverage. See certificate for further details.
  7. With e-Statements on signature based transactions. See Debit Card Reward Brochure for details.
Account Closing: If you close a deposit account within 90 days of opening it, you will be charged a $25.00 account-closing fee
Funds Availability Policy: Our current policy on Funds Availability is posted at each bank location. If you would like a personal copy, please ask any new accounts representative.
Visit the E.D.I.E. (Electronic Deposit Insurance Estimator) website to find out if you have adequate deposit insurance for your account.