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/DEBIT CARD
LOST/STOLEN :


Tel: 479-474-1201 (call center)

8:00 a.m. - 5:00 p.m. Mon-Thurs
8:00 a.m. - 6:00 p.m. Fri
9:00 a.m. - 12:00 p.m. Sat

866-546-8273 (After Hours)

This option is available thru your Online Banking Service.

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
  • Online Banking Required
  • 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
  • Identity Theft 911
  • 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
  • $10.00 Annual Safe Deposit Discount
  • $10,000.00 Accidental Death Insurance*
  • $100,000.00 Common Carrier Insurance
  • 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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IRA Accounts

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If you are under 70 ½ years of age and have earned income, an IRA might be attractive for you--your contributions may be tax deductible, plus interest earnings are tax-deferred until withdrawn.

An IRA could provide you with a comfortable retirement, but some restrictions apply, so come see us for all of the details.  We can help you understand what an IRA can mean to you!

If you have any questions, please send an email to Joyce Smith.
 

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