Checking Accounts

At First National Bank of North Arkansas, we have a checking account to serve your needs. By offering a variety of accounts with many different options and benefits, you can choose the perfect account for how you bank.

All First National Bank of North Arkansas checking accounts come with FREE Online Banking, Mobile Banking, Bill Pay, Touch Tone Banking, and customer service assistance.

 

 

Personal Checking Accounts

Product

Start Fresh Basic

Start Fresh Checking 

Advantage

Ozark Classic

NOW Acct.

Priv Plus

Insured Money Fund

Minimum to open:

 $50

$50 

$100

$100

$100

$100

$2500

Service charge:

 $9.95*

$3 discount with direct deposit

$9.95**

$3 discount with direct deposit

 

$5 if balance falls below $500

$0 3

$7.50 if balance falls below $10004

$0

$7.50 if balance falls below $10004

Overdraft protection limit:

 N/A

N/A 

$500 (w/approval)1

$500 (w/approval)1

$500 (w/approval)1

$300 (w/approval)1

 

Check Card fee:

 $0

$0

$0

$0

$0

$0

N/A

Transaction limit:

No check writing - debit card only

Unlimited 

Unlimited

Unlimited

Unlimited

Unlimited

6 withdrawals per statement cycle w/a minimum transfer amount of $250

Interest accrued:

 N/A

N/A 

Paid monthly on minimum daily balance of $2500 at current rate2

Paid monthly on minimum daily balance of $1000 at current rate2

Paid on minimum daily balance of $1000 at current rate2

Paid on minimum daily balance of $3500 at current rate2

Paid monthly at current rate2

Additional Benefits

Free checks:

 

 

 

check

 

 

 

*After 12 months you qualify for Start Fresh Checking accounf
**After 18 months you qualify for a traditional checking account
1 Some restrictions apply. See a Customer Service Representative
2 Current rates available upon request. Interest rate & annual percentage yield subject to change without notice
3Dormant account fee $5 per month with balance less than $100
4per statement cycle with minimum daily balance of $1000 or more.

Business Checking Accounts

 Products

Small Business Checking Account

Commercial Checking Account

NOW Account1

Interest Bearing Business Account

IMF 

Minimum to open:

$100

$100

$100

$100

$2500 

Items included:

1250 per monthly statement cycle; then $.05 per item

  • Per Debit Item: $.12
  • Per Credit Item: $.00
  • Out of town (transit) checks: $.06
  • On-us checks: $.00

Unlimited

Unlimited

 6 withdrawals per statement cycle with $250 minimum

Maintenance fee

N/A

$5 month + analysis

$7.50 if balance falls below $1,000.00 any day of the cycle.

$7.50 if balance falls below $1,000.00 any day of the cycle.

 

$7.50 if balance falls below $1,000.00 any day of the cycle.

Interest accrued:

N/A

N/A

Yes

Yes

 Yes

1Now Account only available sole proprietorships, nonprofit organizations, and governmental units.

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Personalization Settings

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Welcome

First National Bank of North Arkansas would like to personalize your banking experience. Please enter your first name below.

This level of personalization will not lead to the sale of your name or leak your identity. The information you provide will only be stored on your computer and will not be transferred to the web server.

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