First National Bank of Fort Smith offers savings accounts to help you meet your personal financial goals.

There are plans available for everyone, from infants to senior citizens.

See Current Interest Rates & APY »

Regular Savings

  • Minimum deposit to open this account is $25.00. Should the opening deposit be less than $100, the account is subject to a service charge as set forth below.
  • No Monthly Fee
  • A total of six ACH transactions and/or telephone or Internet transfers are allowed per month. 
  • If the account balance is less than $100.00, there is a $1.00 charge per withdrawal in excess of six per quarter.
  • Interest rate established at the discretion of the bank. The interest rate and annual percentage yield may change.
  • Interest is compounded daily.
  • Statements are mailed quarterly.
  • Interest is paid at each quarterly statement.
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First Savers

  • Savings account for those up to age 18.
  • Upon 18th birthday, the account will convert to a regular savings account.
  • No minimum deposit to open account.
  • No monthly service fee.
  • Unlimited deposits and up to six withdrawals per quarter.
  • Interest rate established at the discretion of the bank. The interest rate and annual percentage yield may change.
  • Interest is compounded daily.
  • Statements are mailed quarterly.
  • Interest is paid at each quarterly statement.
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Money Market Savings

  • Minimum Opening Deposit $1,000.00.
  • No Monthly Service charge if the $1,000.00 average daily balance is maintained. If the average daily balance drops below $1000.00, there is a $7.00 charge for the statement period.
  • Transfers between your accounts at First National Bank of Fort Smith initiated in person, by mail, messenger, or ATM are unlimited.
  • A total of six ACH transactions and/or telephone or Internet transfers are allowed per month. 
  • Interest Bearing
  • Interest rate established at the discretion of the bank. The interest rate and annual percentage yield may change.
  • Interest is not compounded.
  • Statements are mailed monthly.
  • Interest is paid at each monthly statement.
  • Tiered Interest Rate Structure
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Christmas Club

  • Minimum Opening Deposit $5.00.
  • No Monthly Fee
  • Account is NOT interest bearing.
  • Christmas Club book is required to make deposits.
  • Account is not subject to check withdrawals. If a withdrawal is requested prior to maturity, the full amount in the account must be withdrawn.
  • Account matures on October 31st of each year and a check for the full amount is issued.
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