IF YOU WANT IT, YOU HAVE TO LET US KNOW!!!! It's your choice, Keep your overdraft privilege! New banking regulations slated to take effect soon will take away your overdraft privilege unless you opt in NOW!

"Opt In" to overdraft privilege's and avoid embarrassment at Wal Mart, restaurants, or retail stores; take your shopping cart full of groceries home instead of leaving them at the store; or get emergency cash from ATM's!

Call one of our friendly Account Representatives TODAY to find out more about how this can impact you...(870) 235-7000 or click the link above to "OPT IN" now.

Earn 4.01% Annual Percentage Yield (APY) on your balances up to $25,000 with ATM fees refunded nationwide. No minimum balance required; however, you must deposit a minimum of $100 to open this account. Free online billpay. Overdraft protection. Simply make 10 check card transactions, have at least one direct deposit or ACH auto debit, enroll and receive electronic statements, and access on-line banking. If you do not meet the qualifications per cycle, your account will still function as a free checking account earning Base Rate 0.15% APY; however, it will not receive ATM refunds for that time period. Come visit one of our convenient locations to complete this application process. Remember Farmers Bank & Trust is - HERE. FOR YOU.

Our Annual Fourth of July Celebrations went up with a BANG in Magnolia AND Malvern...Click here for more details!!!!

You will love the convenience of NetTeller, and its FREE! Sign up today!

24 Hour telephone banking allows you access to your accounts from a touchtone phone anywhere in the world! Call us or stop by to learn more (870) 235-7090 or 1 (888) 208-9604.

Find out how easy banking can be! E-Statements and Mobile Access 24 offer two additional ways to get fast service right at your fingertips. Spend more time doing the things you love while we make your banking easier. Click here to find out more...

Farmers Bank & Trust is participating in the FDIC’s Transaction Account Guarantee Program. Under that program, through December 31, 2010, all noninterest-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. Member FDIC