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 average daily balance less than $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:

*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
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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Checking Accounts

Personal Checking Accounts

Business Checking Accounts

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