Welcome to the First National Bank of Fort Smith
Citizens Bank

Citizens Bank
P.O. Box 469
Van Buren, Arkansas 72957

Tel: 479-474-1201 (call center)

REPORT ATM/CHECK CARD
LOST/STOLEN :
866-546-8273

Deposit Accounts
 

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Citizens Value Account
 

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  • No Monthly Service Charge
  • Individuals Only
  • No Minimum Balance Required
  • Free Instant Issue Debit Card
  • Free Online Banking
  • Unlimited Check Writing
  • Must take an eStatement*
*$1.00 per month for a paper statement w/ Imaged Checks
$1.00 per month for text alerts

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Citizens Plus Account
 

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  • $4.00 Service Charge if Balance Falls Below $200.00*
  • Individuals Only
  • Free First Order of Personalized Wallet Checks
  • Free Instant Issue Debit Card
  • Free Online Banking
  • Unlimited Check Writing
  • Free Paper Statement w/ Imaged Checks
  • Free Text Alerts
  • Free Bill Pay
  • Overdraft Fee Forgiveness**
* Waived the first month
** Customer Will Receive 2 Free Overdraft Fees Per Year

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Ultimate Checking Account
 

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  • $7.00 Monthly Service Charge
  • Individuals Only
  • Free Club Checks
  • Free Instant Issue Debit Card
  • Free Online Banking
  • Unlimited Check Writing
  • Free Paper Statement w/ Imaged Checks
  • Free Text Alerts
  • Free Bill Pay
  • Overdraft Fee Forgiveness*
  • No Issue Fee on Travelers Checks
  • $10 Annual Discount on Safe Deposit Box
  • .25% Discount on Consumer Loans **
  • Interest on Checking with $500.00 Minimum Daily Collected Balance
  • $20,000.00 Accidental Death Insurance***
  • $100,000.00 Common Carrier Insurance
  • $1,000.00 Accidental Death Insurance per each Child age birth to 19 years old
  • LifeLock®
  • Identity Theft 911
  • No Issue Fee on Travelers Checks
  • Living Family Journal
  • Discounts with Easy Saver
  • Prescription Drug Discounts

  * Customer Will Receive 2 Free Overdraft Fees Per Year
 ** With Credit Approval
***Coverage Reduced 50% at age 70 - see certificate for further details

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MAX Checking Account

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  • Earn a higher APY*
  • No Monthly Service Charge
  • Free Instant Issue Debit Card
  • eStatements Required
  • Free Online Banking
  • Free Text Alerts
  • Earn a higher APY on balances up to $15,000 when you meet the following MAX Checking requirements during your monthly "qualification period"**:
    1. Must be enrolled in Online Banking
    2. Must log onto Online Banking at least once during each monthly "qualification period"
    3. Must be enrolled in and receive e-Statements
    4. Must have at least one scheduled ACH transaction (Credit or Debit) during each monthly "qualification period"
  • Must have at least fifteen (15) posted debit card "point of sale" transactions during each monthly "qualification period"(ATM transactions excluded)
  • See one of our Citizens Bank New Account Representatives for current rate and APY

** Qualification Period is defined as: the period from the previous statement date through the Tuesday before the third Wednesday of each month

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Checkmate Account

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  • Minimum Opening Balance $500.00
  • $8.00 Monthly Service Charge if Balance Falls Below $500.00
  • Interest on Checking
  • Free Bill Pay
  • Free Text Alerts

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Prestige Platinum Account (50 Plus Customers)

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  • Minimum Opening Deposit $1,000.00
  • $10.00 Monthly Service Charge if Average Balance Falls Below $1,000.00
  • Interest on Checking
  • Free Club Checks
  • No Issue Fee for Travelers Checks
  • $10.00 Annual Safe Deposit Discount
  • $10,000.00 Accidental Death Insurance*
  • $100,000.00 Common Carrier Insurance
  • LifeLock®
  • Identity Theft 911
  • Living Family Journal
  • Initial Trust & Estate Planning Consultation
  • Discounts with Easy Saver
  • Prescription Drug Discount
  • Bank Escorted Group Travel
  • Free Text Alerts
  • Free Bill Pay
* Coverage Reduced 50% at age 70 - see certificate for further details

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No Frills Senior Account (60 Plus Customers)

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  • No Monthly Service Charge
  • Free Personalized Wallet Checks
  • Free Bill Pay
  • Free Text Alerts

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Money Market Account

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  • No Monthly Service Charge with $1,000.00 Actual Daily Balance**
  • 7 Tiers of Interest
  • Unlimited Transfers and Withdrawals in Person*
** $10.00 Monthly Service Charge if Balance Falls Below $1,000.00
 *Some Limitations Apply. See a Customer Service Representative for Details.

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Saving Account

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Ideal for folks wanting to put aside a little money periodically, but requiring access to it at any time!
  • Individual or Business
  • Interest Accrued Daily and Compounded Quarterly
  • Three Transfers or Withdrawals Allowed each Quarter without Charge

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Certificates of Deposit

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Regular and Jumbo


For anyone who wants higher rates of interest on their money and does not need immediate access to their funds
  • Minimum Opening Deposit $500.00
  • Competitive Interest Rates
  • Interest Can be Paid by Check, Deposited, or Compounded
  • Terms From 14 Days to 3 Years
  • Automatic Renewable

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Citizens Bank & Trust Company     All Rights Reserved. Equal Housing Lender