Browse our non-interest bearing checking accounts below to help determine which account is right for you. If you have any questions, please do not hesitate to call us at (870) 523-3601 and ask. We are here to serve YOU!


Regular Checking

  • Minimum opening deposit - $100
  • Unlimited deposits and check writing
  • Free 24-Hour account access through Online Banking or 24-Hour Banking Anytime line
  • $5.00 service charge applies every statement cycle if average balance falls below $500 during the statement cycle. Service charge WAIVED if receiving E-Statements or Direct Deposit
  • Visa Debit Card – $1.00 per card per statement cycle. Fee WAIVED if receiving E-Statements or Direct Deposit. Card Subject to Approval
  • Online Bill Pay – $3.95 per statement cycle. Fee WAIVED if receiving E-Statements
  • Monthly statement with images
  • $2.00 Postage and Handling fee applies if receiving paper statements. Postage and Handling fee WAIVED if receiving E-Statements or overall deposit relationship is $25,000.00 or more
  • If account is closed within 90 days of opening, a $25.00 charge may apply before the account is closed


Basic Checking

  • Minimum opening deposit - $100
  • Unlimited deposits and check writing
  • Great for customers who do not receive a Direct Deposit
  • Free 24-Hour account access through Online Banking or 24-Hour Banking Anytime line
  • No service charge
  • Free Visa Debit Card (limit 2 free cards per account; each additional card $1.00 per card per statement cycle). Card Subject to Approval
  • Online Bill Pay – $3.95 per statement cycle. Fee WAIVED if receiving E-Statements
  • Monthly statement – images received with E-Statments only
  • $2.00 Postage and Handling fee applies if receiving paper statements. Postage and Handling fee WAIVED if receiving E-Statements or overall deposit relationship is $25,000.00 or more
  • If account is closed within 90 days of opening, a $25.00 charge may apply before the account is closed.


Student Checking

  • Minimum opening deposit - $50
  • Unlimited deposits and check writing
  • Free 24-Hour account access through Online Banking or 24-Hour Banking Anytime line
  • Full-time students age 26 and under
  • Visa Debit Card – $1.00 per card per statement cycle. Fee WAIVED if receiving E-Statements or Direct Deposit. Card Subject to Approval
  • Online Bill Pay – $3.95 per statement cycle. Fee WAIVED if receiving E-Statements
  • Monthly statement with images
  • $2.00 Postage and Handling fee applies if receiving paper statements. Postage and Handling fee WAIVED if receiving E-Statements or overall deposit relationship is $25,000.00 or more.
  • If account is closed within 90 days of opening, a $25.00 charge may apply before the account is closed


Overdraft Protection is available for Regular Checking account - Subject to Approval.

For more information regarding Overdraft Protection and our standard overdraft practices, please click here or contact any of our convenient locations.