First National Bank

Check out our totally FREE interest bearing checking account:

We want to REWARD you for helping us operate more efficiently! Thats why we are pleased to announce our First Reward Checking Account. This unique, no-minimum balance and free checking account rewards customers with interest earnings and automatic refunds on ATM fees.

To qualify for the high interest account and the ATM fee refunds, account holders must:

* Make at least 10 free check card transactions per cycle, (excluding ATMs).

* Receive their monthly statements via secure e-mail vs. a paper statement.

* Make one ACH auto debit or direct deposit.

If a First Reward Checking account holder does not meet all the requirements during the statement cycle, he or she will still enjoy a free checking account, but will not receive ATM refunds and will receive a lower interest rate for that time period. There is no minimum balance to maintain and no service charges. This account is for personal checking customers.

For more information, please call or come by and speak with one of our friendly customer service representatives today to get your First Reward Free Checking Account.

Online Banking News:

WELCOME to FirstTeller, First National Bank is pleased to offer this service to you. We are committed to making your internet experience safe and secure and have taken many measures to ensure your privacy. You also should have the knowledge to protect yourself should Internet Pirates try to steal your personal financial information.

How to Protect Yourself

1. Never provide your personal information in response to an unsolicited request, whether it is over the phone or over the internet. E-mails and Internet pages created by phishers may look exactly like the real thing. They may even have a fake padlock icon that ordinarily is used to denote a secure stie. If you did not initiate the communication, you should not provide any information.

2. Contact the Financial Institution Yourself. You should be the one to initiate the contatct, using contact information you have verified yourself.

3. Never provide your password over the phone or in response to an unsolicited Internet request. A financial institution will NEVER ask you to verify your account information online. Thieves armed with this information and your account number can help themselves to your money.

4. Review account statements regularly to ensure all charges are correct. If your account statement is arriving late, call your financial institution to find our why. If your financial institution offers electronic account access, periodically review activity online to catch suspicious activity.

March 10, 2010

Thank you for dropping by...

You're searching for someone who cares about You, Your life, Your family, Your business. You're looking for someone who's dedicated to helping make your life happier and better off.

You're about to enter a very unique place where people listen, understand, and care enough to do everything they can to help your dreams come true. That place is First National Bank of Lawrence County in Walnut Ridge, Hoxie, Pocahontas and Bono, Arkansas.

Until the time when we have the enormous pleasure of meeting you personally, please feel free to browse around our Internet home. We are honored you've decided to drop by.

You might find the “About Us” page a good place to start. It says a little about us, and a lot about you.

Before you browse our website, we want to share some very good news. You have another First National Bank built at 131 HWY 63B in Bono. A beautiful new full-service banking facility designed to make your life happier and better off. As in "easy!"

Okay... go ahead and begin your exploration of our website.

Welcome...

Transaction Account Guarantee Program

First National Bank of Lawrence County is participating in the FDIC's transaction account guarantee program. Under the program, through June 30, 2010, all non-interest bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the transaction account guarantee program is in addition to and separate from the coverage available under the FDIC's general deposit insurance rules.

Funds Availability Policy - Your Ability to Withdraw Funds at First National Bank

Our policy is to delay the availability of funds that you deposit in your account. During the delay, you may not withdraw the funds in cash and we will not use the funds to pay checks that you have written.

Determining the Availability of a Deposit - The length of the delay is counted in business days from the day of your deposit. Every day is a business day except Saturdays, Sundays and federal holidays. If you make a deposit before 2:30 on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after 2:30 or on the day we are open, we will consider that the deposit was made on the next business day we are open. The length of the delay varies depending on the type of deposit and is explained below.

Same-Day Availability - Funds from electronic direct deposits to your account will be available on the day we receive the deposit.

Next-Day Availability - Funds from the following deposits are available on the first business day after the day of your deposit: *U.S. Treasury checks that are payable to you. *Wire transfers *Checks drawn on First National Bank

If you make the deposit in person to one of our employees, funds from the following deposits are also available on the first business day after the day of your deposit. *Cash *State and local government checks that are payable to you. *Cashier's, certified and teller checks that are payable to you *Federal Reserve bank checks, Federal Home Loan bank checks and postal money orders, if these items are payable to you.

If you do not make your deposit in person to one of our employees (for example, if you mail the deposit) funds from these deposits will be available on the second business day after the day we receive your deposit.

Other Check Deposits - The first $100 from a deposit of other checks will be available on the first business day after the day of your deposit. The remaining funds will be available on the second business day after the day of your deposit.

Longer Delays May Apply - Funds you deposit by check may be delayed for a longer period under the following circumstances: *We believe a check you deposit will not be paid. *You deposit checks totaling more than $5,000 on any one day. *You redeposit a check that has been returned unpaid. *You have overdrawn your account repeatedly in the last six months. *There is an emergency, such as failure of computer or communications equipment.

We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will be available no later than the seventh business day after the day of your deposit.

First National Bank wanted to let schoolchildren know how important they are and to reward them for good grades.

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