Debit Cards

Check/ATM card

Debit Cards and Free Checking Accounts

There is no monthly charge for the use of your card either through a merchant that accepts VISA® or a First National Bank of Fort Smith, Citizens Bank & Trust Company of Van Buren, National Bank of Sallisaw, or First National Bank of NWA ATM machine. However, a $2.00 charge will be made against your account when you use your card at any other ATM location.

We will issue one card per account signer.

Digital Wallets

Complete purchases by uploading your debit card information into

  • Apple Pay
  • Samsung Pay
  • Google Pay

MyCard Rules (App)

  • Control your debit card
  • Card transaction notifications
  • Set restrictions on location, amount and type of transaction
  • View transactions
  • Add multiple cards for multiple accounts with FNBNWA

Customize your Debit Card with MyCard

MyCard fee – $7.00

Design options:
Make your card pop with the photo of your choice.

Choose from:

  • Gallery images – Browse professional in our image gallery
  • Upload your photo – Upload your favorite photo or image
    When deciding which photo to use on your debit card, consider:
  •  Family Friend or pet photos
  • A vacation spot
  • Your child’s artwork

Delivery timeline

Please allow up to 14 days to receive your MyCard debit card.
Note: Upon receiving your MyCard debit card, you may properly destroy and dispose your old card.

General Information

ELIGIBILITY
You must be a customer of First National Bank of Fort Smith with a debit card and your account must be in good standing.

DESIGN OPTIONS
You can customize the design of your debit card in a variety of ways:

  • Upload an image: Make your card one-of-a-kind by uploading your own image. The image will cover the entire card background.
  • Choose one of your “Mascot” designs to support your local school

Select one of First National Bank of Fort Smith’s existing card designs: If you’d rather choose one of our image gallery designs you will not be able to alter the card design.

IMAGE APPROVAL/DENIAL
Every submitted image is reviewed for compliance with our image Guidelines. First National Bank of Fort Smith reserves the right to reject any image we believe violates our Image Guidelines. If an image is rejected, you will be notified by email within two business days/ You may submit a new image any time following your rejection notification.

DESIGN FEES
The fee to produce a personal card is $7. This fee will be deducted from your checking account.

DELIVERY
Your card will be created and mailed within 14 business days after your image has been submitted and approved by First National Bank of Fort Smith.

CARD ACTIVATION
Activate your new card immediately.

CARD EXPIRATION
Upon card expiration, a new card will be issued. Unless changed by you, the same card design will be sent to you.

LOST OR STOLEN CARD
If your debit card is lost or stolen, login to online banking or call 479-621-4600

Mascot Cards

Bentonville Tigers Debit Card Design
Bentonville Wolverines Debit Card Design
Fayetteville Bulldogs Debit Card Design
Mascot Debit Cards at FNB | Rogers Mounties
WarEagles Debit Card

Community Cards

  • Control your debit card
  • Card transaction notifications
  • Set restrictions on location, amount and type of transaction
  • View transactions
  • Add multiple cards for multiple accounts with FNBNWA

Frequently Asked Questions

MyCard is a debit card made unique to you when you choose a photo image or a card image for the face of your debit card rather than our standard First National Bank card image. Of course, there are image guidelines, but as long as your image complies with those basic rules, you can create a debit card that’s unique to you.

The fee to create a MyCard debit card is $7. This fee will be deducted from your checking account the day the card is ordered.

No. You will need a First National Bank of Fort Smith checking account. If you would like to apply for a First National Bank of Fort Smith checking account, you can apply online.

Card personalization is easy. Just follow the simple instructions on our MyCard debit card page.

You just need a computer with access to the internet and Adobe Flash installed.

The image needs to be in jpeg, gif or png format and at least 480 x 480 pixels. To ensure your card looks good, choose a clear, sharply-focused image, taken at a high resolution (at least 300dpi).

Your image needs to be stored somewhere on your computer’s hard drive where it can be uploaded.

No, MyCard debit cards designs can only be created through submission online.

You will be able to preview your uploaded image(s) during the personalized design process. Once you close out of the design program, the images you uploaded are not stored. Therefore, it is important for you to complete the card design process before closing out. Once your images have been approved, we will keep the image on file for five years. If you choose to select a new design, your original image will no longer be available?

Every submitted image is reviewed for adherence to our Image Guidelines. You will only receive an email if your image was declined; in that case, you’ll have the opportunity to submit another photo.

Your card will be mailed within 14 business days from image approval to the address on file.

No, with a MyCard debit card order your card number will not change.

No, your MyCard Debit card will use your current PIN.

Yes, please activate your new card immediately upon receipt for your protection.

You can change the image on your card as often as you would like. Fees may apply.

Sure! Every card associated with the account can be customized by the individual cardholder for a design fee of $7 per card.