Other Services

As an ATM card, it works instantly at ATM machines throughout the world. As a debit card, it can be used for purchases everywhere MasterCard is accepted.  Note: The Debit Card is available only to checking account customers and is the property of First National Bank. Application is subject to approval.

Telephone Banking is your connection to First National Bank, giving you immediate access to the information you need most often. With 24 Hour Customer Service, you can quickly and easily:

To access your information the number is (870) 886-2222 or 1-866-623-1391.

For just pennies a day, a Safe Deposit Box is a secure place to store valuable items and important documents. The contents are secure against fire or theft and you have easy access during banking hours.

Sign up for direct deposit for your Social Security or payroll checks and you won't have to worry about lost, stolen or undelivered checks.

We have recently changed check vendors, and are now using Main Street Inc. If you have not ordered checks recently, we will need to place the order for you. After you have ordered checks through Main Street Inc. the first time, you will then be able to order them yourself through their self service page for subsequent orders. Or, if you wish, our friendly staff at any branch location would be happy to place the order for you.

Automated Overdraft Privilege is another convenience, and another good reason, for banking with First National Bank. Automated Overdraft Privilege will provide you with the ability to overdraw your account, up to $500 for Personal Checking accounts.

This Automated Overdraft Privilege is extended to you to provide additional flexibility and convenience in managing your funds, and to provide you with peace of mind knowing your checks will be honored up to your assigned overdraft privilege limit.

We are not obligated to pay any item present for payment if your account does not contain sufficient collected funds. However, if you maintain your account in good standing defined as: A) making regular deposits; B) bringing your account to a positive end-of-day balance every 30 days or less; and C) there are no legal orders outstanding, we will approve your reasonable overdrafts as a non-contractual courtesy. We will approve an overdraft for you in an amount for the type of account that you have opened. This limit includes our non-sufficient funds and/or overdraft (NSF/OD) charges of $37.50 per item beginning with the first item that overdraws your account balance by more than $25.00. Accounts must be open for more than 30 days with regular deposits made. However, the overdrawn account must be brought to a positive balance within 30 days to avoid revoking the overdraft privilege. At the bank's discretion, we may refuse to pay an overdraft for you at any time, even though we may have previously paid overdrafts for you. Overdraft fees may apply to overdrafts created by check, in person withdrawals or other electronic means.

CDARS is the easiest and most convenient way to receive full FDIC insurance on deposit amounts larger than $100,000.00. Everything is handled through our bank. Your large deposit is broken into smaller amounts and placed with other banks that are members of a special network. Then, those member banks issue CDs in amounts under $100,000, so that your entire investment is eligible for FDIC insurance. By working with just one bank – First National Bank – you can receive insurance from many. With CDARS, you earn one rate on your entire investment. You receive one statement listing all of your CDs, along with the issuing banks, maturity dates, interest earned, and other details. It’s that simple. To learn more, talk to one of our Customer Service Representatives today.

Trusts can provide peace of mind, help you plan for the future and offer tax benefits for your family. Among the services provided by our trust division are:

Cashiers Checks and Money Orders, Notary Service, US Savings Bond Redemptions and Wire Transfers.