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.
Checking Account Feature Comparison
| |
@First Checking
|
Ultimate Checking
|
Prestige Platinum(1)
|
Max Checking(2)
|
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 |
|
|
- 50 Years and Over.
- Refer to MAX Checking Brochure for rate requirements.
- 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.
- 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.
- See First National Bank Debit Card Application and Disclosure.
- 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.
- With e-Statements on signature based transactions. See Debit Card Reward Brochure for details.
- 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.
- Mobile Safeguard Benefits plus Phone Warranty Program available for an additional charge (see chart below).
Phone Warranty Program
|
Term
|
Price
|
Deductible
(First Claim / Second Claim)
|
Premium Plan (2-Year)*
|
2 years |
$95.99 |
$150 / $200 |
Premium Plan (1-Year)*
|
1 year |
$63.99 |
$150 / $200 |
Smart Plan (2-Year)
|
2 years |
$79.99 |
$125 / $150 |
Smart Plan (1-Year)
|
1 year |
$55.99 |
$125 / $150 |
Standard Plan (2-Year)
|
2 years |
$47.99 |
$50 / $80 |
Standard Plan (1-Year)
|
1 year |
$31.99 |
$50 / $80 |
*Premium phone is considered a phone that retails for over $500.00.
