You must read and agree to this document before applying for FirstNet Teller Internet Banking and/or Bill Pay services.
Internet Banking Agreement and Disclosure (Online Banking)
This Internet Banking Agreement and Disclosure Statement (Agreement) covers the use of First National Bank’s Internet Banking Services and includes certain disclosures for electronic fund transfers. (In this agreement the term "Internet Banking" is basically equal with the term "Online Banking" and these two terms refer to the exact same service.) This Agreement is a contract between you and First National Bank, and you should read this Agreement carefully and keep it with your other account records for future reference. This Agreement, in conjunction with your Fee Schedule, Electronic Fund Transfer Disclosure, Depository Agreement and Disclosure Statement for Consumer and Commercial Accounts, and any other supplemental disclosures First National Bank provides you from time to time, is a contract between you and the Bank. By using or allowing others to use the Services, you agree to abide by and be bound by the terms and conditions of this Agreement. The Internet Banking Services we are capable of handling are indicated below (although some may not apply to your accounts). Please read this Agreement carefully because it tells you your rights and obligations for use of the Services. When you use our Services or you permit another person to use our Services, you agree to the terms and conditions we have set out in the Agreement and any instructional material that we provide you regarding the Services..
In this agreement, the words "we", "us", and "our" mean First National Bank. The words" you" and "your" mean each person who establishes an Internet Banking Account with us who uses or is authorized to use an internet banking identification number and password or other means of access we establish or approve. "Authorized Account" means the primary account designated by you that will be debited for all payments initiated through the Service. "Bill Pay" means our Internet Bill Payment service that allows you to direct payments from your designated Bill Pay checking account to third parties you wish to pay. "Business Day" means Monday through Friday, Holidays are not included. "Eligible Account' means any account allowed to be accessed by the Service. "Payee" means one or more third parties that have been selected by you in advance to receive payment through the Service. "Service(s)” means our services that allow you to obtain account information, transfer funds, make payments including our "Bill Pay" service, access accounts, and perform other transactions over the Internet by use of a personal computer and modem and/or other means we authorize or allow.
Access to Services
Our Services are for authorized use by First National Bank customers only. Attempted unauthorized access is a violation of federal law and will be prosecuted to the full extent of the law. You must have at least one eligible personal deposit, credit, or other account type with us. You may not designate any account that requires more than one signature for withdrawals. You must be the owner of this account (or accounts). Your accounts with us must be in good standing. For Bill Pay services, you must have a checking account that will be designated as the account from which bill payments will be made.
Accounts Eligible for Service
We may change from time to time the accounts that may be designated as Eligible Accounts. We also reserve the right (i) to refuse to include any account among your Eligible Accounts, or (ii) to allow transactions between or among Eligible Accounts under certain circumstances as provided in this Agreement or as may be required by applicable law.
To access our Service you must use the Identification Code and Personal Identification Number (PIN) we establish or provide for your Internet Banking Account. Upon initial access of the account, you are requested to change your PIN. For your protection, we recommend that you do not use the same PIN for these Services that you use on other bank and non-bank products. You are responsible to protect your Access Codes from unauthorized access. Anyone to whom you provide your Access Codes will have full access to your accounts even if you attempt to limit that person's authority. You agree not to allow anyone to gain access to the Services or to let anyone know your Access Codes used with the Services. If you save your Access Codes on your computer, you will be liable for any transactions initiated through the Service by use of these codes. You agree to assume responsibility for all transactions initiated through the Service with your Access Codes, up to the limits allowed by applicable law.
Consumers Liability for Unauthorized Transfers
If your Access Codes have been lost or stolen or you believe an unauthorized person is accessing your accounts, call the following number: 870-215-4000 in the USA or write us at: First National Bank, Internet Banking, P.O. Box 700, Paragould, AR 72451-0700. Telephoning us immediately is the best way of minimizing your possible losses. You can lose no more than $50 if you notify us within two (2) business days of discovering any unauthorized use of the Services or your Access Codes. However, you can lose as much as $500 if you do not notify us within (2) business days of discovering the unauthorized use and we can prove that we could have stopped the unauthorized use had we been notified. Also, if your statement shows activity that you did not make, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the sixty days. If we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason, such as an extended trip or a hospital stay, kept you from telling us, we will extend the period.
Incorrect Transactions on Your Statement
In case of errors or questions about your electronic transfers, call us at: 870-215-4000 in the USA or write us at: FIRST NATIONAL BANK, P.O. BOX 700, PARAGOULD, ARKANSAS 72451 as soon as you can, if you think your statement is wrong or if you need more information about a transfer listed on the statement. We must hear from you no later than sixty (60) days after we send you the first statement on which the problem or error appeared. 1) Tell us your name and account number. 2) Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. 3) Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days. We will tell you the results of our investigation within (10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will re-credit your account within ten (10) business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not re-credit your account. If we decide that there was no error, we will send you a written explanation within three (3) business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation. For suspected loan transaction errors, you do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question, we cannot report you as delinquent or take any action to collect the amount you question.
You must have enough available funds in any account from which you instruct us to make a payment or transfer. If the date you schedule a payment to be made is a holiday, funds must be available in your account the following business Day. Scheduled payments that fall over a weekend will be processed on Friday evening. If any of your Eligible accounts are HIFI or savings accounts, certain types of withdrawals from those accounts, including payments and transfers, are limited to a total of no more than six (6) during a calendar month or statement cycle. You agreed to the Withdrawal Account Procedures in your Depository Agreement and Disclosure Statement for Consumer and Commercial Accounts when you opened your First National Bank accounts. Transfers made after 6:00 CST will be processed on the next business day. Business days are Monday through Friday. Holidays are not business days.
Transfers and Bill Payment - Your Responsibility
You are responsible for all transfers and bill payments you authorize using the Services. If you permit other persons to use the Services or your Access codes, you are responsible for any transactions they authorize from your linked eligible accounts. You are liable for all transactions that you make or authorize, even if the person you authorize exceeds your authority. If you have given someone your Access Codes and want to terminate that person's authority, you must change your Access Codes to prevent further access by such person. You agree that when any transfer, bill payment, or other transaction is generated by the Services, we may debit your designated account or the account on which the item is drawn without requiring your signature on the item and without prior notice to you.
Bill Payments and Transfers - Our Responsibility for Completing
If we, or a third party acting as our agent, do not complete a payment or transfer on time or in the correct amount according to our agreement with you, we are responsible except. 1) If, through no fault of ours, you do not have sufficient funds in the account from which a payment or transfer is to be made, or if the account has been closed or is not in good standing, or if we reverse a payment or transfer because of insufficient funds. 2) If any payment on transfer would go over the credit limit of any account. 3) If your equipment or ours was not working properly and the breakdown should have been apparent to you when you attempted to conduct the transaction. 4) If you have not given us complete, correct or current account numbers, other identifying information, or instructions so that we can properly credit or debit your account or otherwise complete the transaction. 5) If you do not properly follow our instructions or if you provide us with wrong or inaccurate information or fail to correct or tell us about any inaccuracy of which you are aware. 6) If you do not instruct us soon enough for your payment or transfer to be received and credited by the time it is due as described in the Bill Payments Deadlines section. 7) If a timely Bill Payment or transfer is to be made is subject to legal process or other claim that restricts access to the funds. 9) If we or an agent reasonably believes that a transaction may be unauthorized and based thereon the transaction is not completed. 10) If circumstances or persons beyond our or our agent's control prevent, delay, intercept, or after the making of a transfer or payment, despite reasonable precautions that we have taken. Such circumstances include, but are not limited to, computer failure, telecommunications breakdowns or interruptions, labor disputes, delays caused by payees, interruption of service by ATM or other payment networks, fires, floods, and other natural disasters. 11)This Agreement has been terminated. 12) Applicable law prevents completion of the transfer.
Limitations of Bill Payment Services
Your ability to initiate transactions through the Bill Payment Service is subject to the limitations noted in First National Bank's Depository Agreement and Disclosure Statement for Consumer and Commercial Accounts, copies of which were provided to you upon opening your account and the following limitations: 1)You may not make a payment of alimony, child-support, taxes, or other court-directed or governmental payments, fines, or penalties or a payment to settle a security transaction through the Service. 2)You may not initiate a payment to a Payee that does not have a U.S. payment address. 3)You may not make a payment in anything other than U.S. dollars. 4) Any other limitations which are listed in this agreement. 5) Any other limitations which we may impose in the future.
Bill Payments Process
Single Payments – A single payment will be processed on the business day that you designate as the payment’s processing date, provided the payment is submitted prior to the cut-off time on that date. The current cut-off time is 2:00pm CST. A single payment submitted after the cut-off time will be processed on the next business day. If you designate a non-business date as the payment’s processing date, the payment will be processed on the first business day following the designated processing date.
Recurring Payments – When a recurring payment is processed, it is automatically rescheduled by the system. Based on your selected frequency settings for the payment, a processing date is calculated for the next occurrence of the payment. If the calculated processing date is a non-business date, it is adjusted based on the following rules: 1) If the recurring payment’s “Pay Before” option in selected, the processing date for the new occurrence of the payment is adjusted to the first business date prior to the calculated processing date. 2) If the recurring payment’s “Pay After” option is selected, the processing date for the new occurrence of the payment is adjusted to the first business date after the calculated processing date.
NOTE: If your frequency settings for a recurring payment specify the 29, 30 or 31st as a day of the month for processing and that day does not exist in the month of the processing date, then the last calendar day of that month is used as the calculated processing date.
Bill Payment Limits
Bill Payments are limited to the available balance in your account or the maximum transaction amount. The available balance may include Bounce Protection overdraft privilege. Insufficient charges may apply for payments that exceed the current ledger balance in your account. Contact First National Bank for the current bill payment maximum transaction amounts at 870-215-4000 in Paragould, 870-974-9800 in Jonesboro, 870-857-3592 in Corning, 870-598-1362 in Piggott, 501-362-2362 in Heber Springs, 479-631-8888 in Rogers, 479-443-3622 in Fayetteville, 479-750-3620 in Springdale, 479-443-3623 in Johnson or write us at: FIRST NATIONAL BANK, P.O. BOX 700, PARAGOULD, ARKANSAS 72451.
Bill Payment Deadlines
You must schedule a bill payment ten (10) business days prior to the Payee's due date for check payments and four (4) business days prior to the due date for electronic payments to allow for proper and timely posting to your payee accounts. This means you must schedule the payment date to be either 10 or 4 days, as applicable, prior to the due date.
Bill Payment Stop Payments
Once you enter a payment into the FirstNet Teller Bill Payment system, the payment may be deleted prior to the processing time at no charge. Our Bill Payment processing times are 7:00am and 2:00pm CST. If you wish to stop a payment after the processing time has passed, you must enter the stop payment either through the FirstNet teller system or by contacting our customer service department. A stop payment fee will be assessed for payments stopped after the processing time has passed.
Identification of Payees
You are responsible for providing accurate and sufficient information about each Payee, as we may request from time to time, to properly direct a payment to that Payee and permit the Payee to identify the correct account to credit with your payment. By providing the Bill Pay service with the names, addresses, phone numbers, and account numbers of those Payees to whom you wish to direct payments, you authorize us to follow the payment instructions that we receive from you through the Service. We are entitled to rely on the accuracy of all information you provide, and we are not responsible for losses due to inaccuracies in such information. From time to time, we may set or change the number of Payees you may designate to receive payments through the Service for security reasons.
Bill Payment Responsibility
You are responsible for having sufficient funds in your account(s). You are liable for our standard fees associated with overdrafts in your account or for insufficient funds (NSF's). If your account does not have sufficient funds to make a payment as of the scheduled date, the transaction will be treated like any other check that you write. Should the item be returned, a hold may be placed on your bill payment service and NSF fees will apply. In severe or habitual situations, your access to the Internet Banking Services may be revoked and your account with First National Bank closed. In the event you have sufficient funds to make some, but not all, scheduled payments, we, or our agent may, in our sole discretion, determine which payments to complete.
90-Day Usage Rule For Bill Pay
If you do not use the Bill Pay service at least once every 90 calendar days then the Bill Pay service will be discontinued.
Service Charge for Bill Pay
The bill pay service charge as of August 2017 is as follows: There is no monthly service fee and no per item fees for the first 25 payments per monthly statement cycle. Each bill payment in excess of 25 payments per statement cycle is subject to a 50 cent per item service charge. We reserve the right to change this service charge upon prior and proper notification to you of any new Service Charge.
Limitation of Liability
You agree that we are not responsible for any computer virus, malicious software or related problems that may be associated with the use of an on-line system. We recommend that you routinely scan your electronic devices using a reliable virus detection product to remove any viruses found. You agree that each party shall bear the liability or the risk of any error or loss of data, information, transactions or other losses that may be due to the failure of their respective computer system or third-party communications provider on which each party may rely. We shall not be liable for any losses resulting from circumstances over which we have no direct control, including, but not limited to, the failure of electronic or mechanical equipment or communications lines, telephone or other interconnect problems, operator errors, log-in sequences, severe weather, earthquakes, floods and other such events. You acknowledge that there are alternative methods for accessing the services, you will attempt to access such information and conduct such transactions by such alternative methods. You agree that we are not liable for punitive, exemplary, consequential, indirect, remote or special damages. In no event shall we be liable for damages that exceed your actual loss due to our failure to complete a transfer, and we shall not be liable for any indirect, incidental, or consequential damages. For Bill Payment customers, our liability to reimburse payee-imposed late fees, provided the payment was scheduled and made in accordance with the above requirements, shall not exceed $50. We may attempt on your behalf to have a late fee reversed or waived. We have no liability for late fees for payments not initiated following the instructions defined in this agreement or provided in other instructional materials regarding the Services. There may be other exceptions to our liability as stated in your depository or credit agreement and as provided by applicable law.
You will be provided periodic statements for your account(s) as regularly provided for in the depository or credit agreement applicable to your accounts. Your statements will reflect any transfers or bill payments you authorize using the Service.
Interruptions in Service
We may periodically perform maintenance on our equipment or system that may result in a temporary interruption of service or errors in the Service. We may also change the scope of our Services from time to time. We will attempt to provide prior notice of such interruptions and changes but cannot guarantee that such notice will be provided.
Alterations and Amendments
The terms of this Agreement, along with applicable fees and service charges, may be altered or amended by us from time to time. In such event, we shall send notice, as prescribed by appropriate law or regulation, to you at your address as it appears in our records. Any use of the Services after we send you a notice of change will constitute your agreement to such change(s), which will become effective immediately. If you do not agree to the change or amendment, you must discontinue use of the Service to which the change or amendment relates, or cancel your access to the Service. Further, we may, from time to time, revise or update Services and related written material and may render all prior versions obsolete. Consequently, we reserve the right to terminate this Agreement as to all such prior versions of the Services and/or related written material and limit access to the Service's more recent revisions and updates.
In order to maintain secure communications and reduce fraud, you agree to protect the security of your Access Codes. We reserve the right to block access to the Services if we reasonably believe the confidentiality of your access codes may have been compromised and/or that they may be being used by an unauthorized person. We also may require you to utilize internet browser software meeting certain minimum-security requirements in order to access our Services.
If any provision of this Agreement is held invalid, illegal, or unenforceable, the validity, legality or enforceability of the remaining provisions shall in no way be affected or impaired thereby.
Termination or Discontinuation
We may terminate this Agreement and any services provided hereunder at any time without notice if we reasonably believe you are violating any of the terms and conditions of the Agreement. Otherwise, either you or we may terminate this agreement and any service provided hereunder at any time by giving at least ten (10) business days prior written notice of termination to the other party. If you terminate a transfer or Bill Pay service, you authorize us to continue making transfers, payments, and other transactions you have previously authorized until we have a reasonable opportunity to act upon your termination notice. Once we have acted on your notice, we have no responsibility to make any transfers, bill payments, or other transactions you may have previously authorized. In the event you wish to discontinue the Service, you must contact First National Bank in writing at the following address: First National Bank, Internet Banking, P.O. Box 700, Paragould, AR 72451-0700.
You may not assign this Agreement to any other party. We may assign this Agreement to any future, directly or indirectly, affiliated company. We may also assign or delegate certain of our rights and responsibilities under this Agreement to independent contractors or other third parties.
This agreement shall be governed by and interpreted under the laws of the State of Arkansas and any applicable Federal Laws.
Mobile Deposit Agreement
In order to utilize the mobile deposit function customers must be enrolled in internet banking, mobile banking, and have installed the appropriate app: Apple 3.10.1, Android 3.13.1, or higher for the mobile device they are using.
- Posting and cut-off times: Cut off time is 2:00 p.m. All deposits made before 2:00 p.m. will be deposited after processing on the same business day. Any deposit made after 2:00 p.m. will be deposited after processing on the following business day.
- Criteria: (1) Mobile Deposit function will not be available for customers currently enrolled in Fresh Start program, (2) New accounts must be open and in good standing for 30 consecutive days. (3) Mobile Deposit will not be available for accounts which have in excess of 2 returned deposits in the past 60 days.
- Limits: (1) Maximum $2500.00 daily mobile deposit limit, (2) Maximum $10,000.00 limit on mobile deposits for the most recent 30 days.
- Retention: Customers will be responsible for retaining deposited items for a minimum of 7 days and then shredding.
- Endorsement of Checks: You agree to properly endorse each check prior to submitting such check through the use of the services.
- Items NOT available for mobile deposit: Canadian checks, Foreign checks, savings bonds, Treasury Tax & Loan (TTL) payments, Travelers checks, Money orders, Checks made payable to any person or entity other than the owner(s) of the account, Altered checks, Checks made payable jointly, IRDs (Image Replacement Document, Returned checks processed by check 21), Remotely created checks- ex. insurance draft checks, stale dated checks,
- Use of Service: You are prohibited from using the services for any activity that: 1) Would result in you being or becoming a “money-service business” as defined by the Bank Secrecy Act and its implementing regulations; 2) Knowingly accepting restricted transactions in connection with another person in unlawful internet gambling as defined in the Unlawful Internet Gambling Enforcement Act and Regulation GG; 3) Directly or indirectly related to the use of the services that is illegal or fraudulent. Any of these actions are grounds for immediate termination of your Mobile Deposit Service.
- Return Deposits: Any credit to your account using Mobile Remote Deposit is provisional. If a check deposited through Mobile Remote Deposit is dishonored, rejected or otherwise returned as unpaid by drawee bank, or the item is rejected, or returned by a clearing agent or collecting bank, for any reason, including, but not limited to, issues relating to the quality of the image. You will reimburse us for all loss, cost, damage or expense caused by or relating to the processing of the returned item. Without our approval, you shall not attempt to deposit or otherwise negotiate an original check if it has been charged back to you. We may debit any of your accounts to obtain payment for any item that has been rejected or returned for any adjustment related to such item or for any warranty claim related to such item, whether or not the rejection, return, or adjustment or warranty claim was made timely.
- NOTE: Item(s) deposited using Mobile Remote Deposit is subject to our verification and final inspection process. We may at any time deposit image item or return all or part of a deposit of multiple image items to you without prior notice. We are under no obligation to inspect or verify any image item to determine accuracy, legibility, or quality of the image item or MICR line information associated with the image item, or for any other purpose. However, we may correct or amend the MICR line information associated with an image item to facilitate processing of the image item or a substitute check created from that image. We may process and collect an image item or a substitute image item through one or more clearing houses, Federal Reserve Banks, or other private clearing agreements with other financial institutions. We may hold and use funds in any deposit account of yours following termination of this agreement and the services for such time as we reasonably determine that no image item processed by us prior to termination may be returned, charged back or otherwise become a source of loss or liability.
- Termination: First National Bank has full discretion to terminate this service at any time in which prior notice will be given.
ELECTRONIC STATEMENT(S) NOTICES DELIVERY TERMS and CONDITIONS
Consent for Electronic Disclosures of Periodic Statements
In this Consent form, “we”, “us”, and “our” mean First National Bank. The words “you” and “your” mean the person(s) accessing “e-statements”, which are an electronic format of the periodic paper statements you normally receive but are located on our Web site through FirstNet Teller.
You r Consent
In order for you to stop receiving your periodic statements and to enroll and receive e-statements, we must have your consent to provide you with the periodic statements in electronic format on our Web site through FirstNet Teller (i.e., e-statements). If you do not consent to receiving the electronic format of these periodic statements on our Web site through FirstNet Teller, you will not be able to proceed with your enrollment of the e-statements service. With your consent, you are agreeing to receive e-statements in lieu of your periodic paper statements for any personal checking, savings or money market account with us. For joint account holders, any consent or withdrawal of consent to receive e-statements by any one of you will be effective for all of you. With this Consent Form, you are also consenting to receive in electronic format at our Web site through FirstNet Teller in the e-statements any communication normally provided in the periodic statements, including contract change in terms, Customer Information Privacy Notice and other notices that may be required by law.
You may enroll to receive e-statement in lieu of your paper periodic statement if the account is a personal checking, savings, or money market account with us and you consent to receive e-statements for that account.
How to Get Your e-statements
You will be notified by email that your e-statement is available to view. It is your responsibility to review each statement provided through FirstNet Teller.
Paper Copies of e-statements
If you consent to the delivery of e-statements, we will no longer provide you with paper statements. You may obtain paper copies of your e-statements by printing them yourself from our Web site, by sending a secure email, or by contacting Customer Service. We may charge you a reasonable service charge for the delivery of paper copies of any communication provided to you electronically pursuant to this authorization. We reserve the right, but assume no obligation, to provide a paper (instead of electronic) copy of any communication that you have authorized us to provide electronically.
Communication in Writing
All communications in either electronic or paper format from us to you will be considered in writing. You should print or download for your records, a copy of your e-statements, this disclosure, your initial authorization to receive e-statements, any changes to that authorization, and any other communication that is important to you.
You acknowledge and agree that your consent to electronic communications is being provided in connection with a transaction affecting interstate commerce that is subject to the federal Signatures in Global and National Commerce Act, and that you and we both intend that the Act apply to the fullest extent possible to validate our ability to conduct business with you by electronic means.
We reserve the right at our sole discretion to discontinue the provision of your electronic communications or to terminate or change the terms and conditions on which we provide electronic communications, including any applicable discount for receiving e-statements. We will provide you with notice of such termination or change as required by law.
Withdrawal of Consent
You may withdraw your consent at any time by sending us a secure e-mail message through our FirstNet Teller system or by calling Customer Service. If you terminate your FirstNet Teller service, then you have effectively withdrawn your consent to receive e-statements. At our option, we may treat your provision of an invalid e-mail address or the subsequent malfunction of a previously valid e-mail address as a withdrawal of your consent to receive e-statements. If you withdraw your consent, we will begin sending your paper periodic statements. Any withdrawal of your consent to receive electronic communications will be effective only after we have a reasonable period of time to process your withdrawal.
Information Needed to Contact You
It is your responsibility to provide us with your most current e-mail address, contact, and other information related to this disclosure and to your account(s), and to maintain and update promptly any changes in this information. You can update information (such as your e-mail address) while signed on at our FirstNet Teller online banking system or by calling Customer Service at 870-215-4000. We reserve the right to require you to come in to one of our offices to positively identify you.
Starting Up Electronic Statements Again after your Withdrawal of Consent
If you want to receive e-statements again after you have withdrawn your consent for e-statements, you must complete the consent process again and reconfirm your ability to access e-statements.
Hardware and Software Requirements
Electronic disclosures will be presented via the Internet. Since you are already accessing this Consent Form via the Internet, it is likely that you are already using all the hardware and software you need to access the disclosures electronically. In order to view these disclosures, you will need a hardware device that can access the Internet via modem or other form of connection, such as a personal computer (PC), a personal digital assistant (PDA), or another similar Internet device. Your hardware device must run on an appropriate operating system. You must contract with an Internet service provider (ISP) in order to be able to connect to the Internet. You must use any hardware or software required by your ISP. Additionally, Internet browser software is required to access these disclosures from a personalized computer. Adobe Acrobat Reader is required to view some disclosures from a personal computer. You will need a printer or a long-term storage device, such as your computer’s disk drive, to retain these disclosures for future reference. If you are unable to view your e-statement, please send a secured e-mail through FirstNet Teller or contact Customer Service at 870-215-4000.
First National Bank
P.O. Box 700
Paragould, AR 72451