Your Business is Important to FNB!
We'll work hard to make your banking convenient. If you have a special need just let us know. Since 1889 First National Bank has been serving the financial needs of businesses in Northeast Arkansas. Whatever the size of your business, our services are designed with you in mind. All of our Business Accounts offer you FREE FirstNetTeller online banking and many other services to make your business banking easy.

Totally Free Business Checking
Perfect for most businesses!

• NO minimum balance requirements
• NO monthly service charge
• 1,000 FREE items per month (including checks paid, checks deposited, ACH debits, and ACH credits), only 25¢ per item for those above 1,000.
• First $10,000 in cash (coin/currency) deposits FREE each month.
• Call for Complete details.

Business Interest Checking
Perfect for sole proprietorships and non-profit organizations.

• Competitive interest paid on ALL balances (see our rate page for interest rate/APY)
• Only a $1,500 minimum balance to avoid a monthly service charge
• Only a $6 monthly service charge when balance falls below $1,500
• 1,000 FREE items per month (including checks paid, checks deposited, ACH debits, and ACH credits), only 25¢ per item for those above 1,000.
• First $10,000 in cash (coin/currency) deposits FREE each month.
• Call for complete details.

Commercial Checking
A checking account designed for businesses that generate considerably more than 1,000 items per month (including checks paid, checks deposited, ACH debits, and ACH credits), and that don’t qualify to earn interest (these are generally for-profit companies including corporations).

• NO minimum balance requirements
• Only a $15 monthly service charge
• Items charged on per-item basis (all items) – only 12¢ per item
• Cash (coin/currency) deposits only 50¢ per $1,000
• Activity fees may be offset by earnings credit allowance paid on the average investable balance (see a customer serice representative for the earnings credit rate)
• Call for complete details.

Working Money Account
Keep your money working harder with a working money account.

• No monthly maintenance fee
• $5000 minimum deposit required to open and to earn interest / APY
• Interest will be credited each month on the last day of the monthly statement cycle
• You may make up to 6 transfers from this account per month, of which 3 may be payments by check to third parties
• No per item fee for checks/debits
• This is a variable rate account with tiered balance requirements.

Regular Savings
Save regularly and watch your savings grow! You will earn a competetive rate of interest on your funds deposited in a Regular Savings Account.

• Click here for Interest Rate / APY or call us for current rates
• Minimum balance required is only $10
• $3 quarterly maintenance fee if balance falls below $10
• You may make up to 6 withdrawals per quarter at no charge. There is a $1 fee per withdrawal in excess of 6 per quarter
• Interest paid quarterly on your quarterly account statement
• Minimum opening deposit of $50 required

Reorder Checks
If you currently have a checking account with us, you can now reorder checks right here on the Internet! Please allow 7 – 10 business days to receive your checks. If you have any questions or concerns, please contact us.

Other Business Services

• Business Loans
• Night Deposit Services
• Credit Card Acceptance
• Automatic Clearing House (ACH) Service

Disclosure For All Interest Bearing Deposit Accounts
The following applies to all interest bearing accounts listed on this schedule of fees and services. The interest rate and Annual Percentage Yield (APY) are subject to change weekly.

• Balance Computation Method: We use the daily balance method to calculate the interest on your account. This method applies the daily periodic rate to the principal in the account on each day. Interest is paid (credited) and compounded monthly, except for Regular Savings which is paid (credited) and compounded quarterly.
• Accrual: Interest begins to accrue no later than the day we receive full credit for the deposit of non-cash items (for example checks)
• All interest bearing accounts are variable rate accounts. We may change the rate at our discretion.
• If you close your account before interest is credited, you will receive interest only if you notify us at the time of closing. If you do not tell us you are closing your account you will not receive your accrued interest.
• Effect of Fees: fees may reduce earnings.

First National Bank • Equal Housing Lender • Member FDIC

Top of Page