Checking AccountsAt 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.
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Personal Checking Accounts
| Product |
Start Fresh Basic |
Start Fresh Checking |
Advantage |
Ozark Classic |
NOW Acct. |
Priv Plus |
Insured Money Fund |
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Minimum to open: |
$50 |
$50 |
$100 |
$100 |
$100 |
$100 |
$2500 |
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Service charge: |
$9.95* $3 discount with direct deposit |
$9.95** $3 discount with direct deposit
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$5 if balance falls below $500 |
$0 3 |
$7.50 if balance falls below $10004 |
$0 |
$7.50 if balance falls below $10004 |
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Overdraft protection limit: |
N/A |
N/A |
$500 (w/approval)1 |
$500 (w/approval)1 |
$500 (w/approval)1 |
$300 (w/approval)1 |
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Check Card fee: |
$0 |
$0 |
$0 |
$0 |
$0 |
$0 |
N/A |
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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 |
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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 |
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Additional Benefits |
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Free checks: |
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*After 12 months you qualify for Start Fresh Checking account
**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 |
|---|---|---|---|---|---|
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Minimum to open: |
$100 |
$100 |
$100 |
$100 |
$2500 |
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Items included: |
1250 per monthly statement cycle; then $.05 per item |
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Unlimited |
Unlimited |
6 withdrawals per statement cycle with $250 minimum |
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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. |
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Interest accrued: |
N/A |
N/A |
Yes |
Yes |
Yes |
1Now Account only available sole proprietorships, nonprofit organizations, and governmental units.
