Welcome to the First National Bank of Fort Smith
Financial Services
 

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Visa Classic, Visa Gold and Mastercard

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The Hometown Card with worldwide acceptance!

Approved and issued locally, Visa or MasterCard can go places your personal checks won't, and it's safer than carrying cash.

Use your Visa or MasterCard for a quick cash advance at thousands of locations worldwide--all at very competitive interest rates.

See us for a credit card application, or Fill out an Application here.

Some restrictions apply.

Access your Credit Card information Online

If you have any questions please send an email to Nathan Teague.
 

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Merchants Credit Card Program

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Any merchant with a business checking account with us can apply to be set up to accept Visa and MasterCard transactions with electronic point-of-sale availability:
  • for fast, safe, and convenient authorization of your customers' purchase,
  • eliminating long distance phone calls for approval codes, and
  • immediate credit on deposits.

All at competitive discount rates!

If you have any questions please send an email to Brenda McClure.

 

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Citizens ATM 24 Hour Bank Card

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The convenience of 24-hour banking is now available in Van Buren, Alma, Mountainburg, and around the world!

All you need is a Citizens checking account, a Citizens ATM 24 Hour Card, and your own Personal Identification Number.

Apply today and you can make deposits, check your account balances, transfer money from one account to the other,
or get instant cash.

Best of all, you can use it almost anywhere in the world!
 

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Citizens Check Card

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Our card goes beyond conventional checking!

Most checkbooks can only do one thing--checking.  Our Check Card does this and much more.

Check Card gives you a faster, more economical, more convenient way to buy the products and services you need. That's because it allows you to withdraw funds from your checking account without ever having to write out a check. You can purchase groceries, gas, or anything else wherever VISA® is accepted. Plus, Check Card performs all the functions of an ATM card.

It's the checking-withdrawing-depositing-and transferring funds card all in one.

Come in and apply today.

If you have any questions please send an email to Bookkeeping.
 

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Automatic Teller Machines

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Make deposits, make withdrawals, transfer money, make loan payments, make account inquires 24 hours a day, 7 days a week, all with your Citizens 24 Hour ATM Card and our convenient ATM locations.

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Citizen Investment Services

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Citizens Investment Services provides attractive pricing on your investment needs. Through our association with PRIMEVEST Financial Services, Inc., we offer a wide variety of investment products and services. These products include, stocks, bonds, mutual funds, annuities, options, and self-directed IRA's. Ask for our investment specialists when you call.

PRIMEVEST Financial Services, Inc., is an independent registered broker/dealer. member FINRA/SIPC.
 

Securities and insurance offered by PRIMEVEST, not FDIC insured. May go down in value. Not financial institution guaranteed. Not a deposit. Not insured by any federal agency.

If you have any questions please send an email to Daniel Lamproe.

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Individual Retirement 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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Safe Deposit Boxes

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For individual or commercial customers who want extra protection for those valuable articles and documents,
a safe deposit box gives you an inexpensive and safe place that ultimately gives you peace of mind.

Various sizes are available to meet your individual needs.  For added convenience, we have boxes available at our
Cloverleaf, Downtown, Northridge, Alma, and Mountainburg Branches.
 
Safe Deposit Box Charges
3 x 5 $20/yr
5 x 5 $25/yr
3 x 10 $32.50/yr
5 x 10 $45/yr
10 x 10 $80/yr

© 2008 Citizens Bank & Trust Company. All rights reserved. Equal Housing Lender.

*The Annual Percentage Yield (APY) on the quoted above is based upon interest added back to the account balance on a monthly basis (with the exception of IRA's and $1,000.00 CD's, interest is paid at maturity.) The APY assumes that the initial deposit and interest will remain on deposit for one (1) year. Withdrawal of interest earned will reduce the APYs. Substantial penalty for early withdrawal. Interest Rates are subject to change without notice. Variable Rate CD's may change after the account is opened. On Checking and Savings Accounts, Service Charge fees could reduce the earnings.

Opening Balance Requirements; Checking $100.00, Savings $25.00, CD's $500.00, IRA's No Minimum. For further information, please see an account representative.