An Investment professional who listens carefully, does his or her homework and acts quickly and conscientiously can be an invaluable partner. One who has access to diverse research and analysis- plus hundreds of investments- can help you structure a portfolio to help meet your specific financial objectives.

Start an Active Investment Relationship!

• Personal Results-Driven Service
• Well Researched, Objective Information
• Access to Many Investment Products and Services
• Mutual Funds
• Tax-Free* and Taxable Bonds    (*May be subject to state and local taxes and/or A.M.T.)
• Stocks
• UITS
• U.S. Government and Federal Agency Securities Annuities
• College, Retirement and Estate Planning Products
• Pension and Profit Sharing Plans, Keogh Plans, 401K Plans, IRAs

These products are not insured by the Federal Deposit Insurance Corporation or any other government agency. They are not deposits or other obligations of, or guaranteed by Bank of Rogers and are subject to investment risk including possible loss of principal.

__________________________________________________________________________

It's like having a desk at the bank! Maybe even better, because the bank is closed nights and Sundays. From any computer with an internet connection you can bank 24 hours a day, 365 days a year, through the magic of Bank of Rogers Online and your personal computer. Click here to fill out an application for online banking and you'll see why we say it's like having your own desk at the bank!

Here's what you can do:

Frequently asked Questions and Answers:

How much does Bank of Rogers Online Cost?
Bank of Rogers Online and Bill Payment Services are completely FREE!

What accounts can I link to my Bank of Rogers Online account?
All of your general banking accounts and loans.

Can Online Banking accounts be shared?
For security reasons, we recommend that each user have a unique user name and password.

Can I transfer funds between my checking and savings accounts, and make Bank of Rogers loan payments?
Yes, however savings withdrawals are governed by Federal regulations.

How far back can I obtain statement account information?
Three months worth of statements and six months of transaction activity will be stored online.

What are the minimum software/hardware requirements?
Access to the internet with a browser that supports 128-bit secure encryption. We recommend using Internet Explorer 5.5 or higher, allowing you to take full advantage of all of the features of the Bank of Rogers web site. Downloads for Internet Explorer

What should I do if I forget or disable my user ID or password?
Contact our e-Banking Department at customerservice@bankrogers.com  

What is the difference between Available and Current balance?
Available balance includes any overdraft line of credit and any transactions that are pending at the time of your inquiry. Current Balance is your balance as of the close of business on the previous business day.

__________________________________________________________________________

Click here to go to the Mobile Banking application.

Now is the time to put your money where your mobile is. Mobile Banking, a browser-based mobile application, can be accessed from any cell phone or mobile device that is equipped with an Internet browser*, no download required. Try it today to see how easy it is to bank from your pocket or purse.

As a Mobile Banking customer, you can use Mobile Banking for the following:
    
     • Access your checking, savings, and other select accounts
     • Transfer funds between select accounts at First National Bank of Fort Smith
     • Search Transaction History

Frequently Asked Questions

What is Mobile Banking?
Mobile Banking is a browser-based, mobile banking application that can be accessed from any cell phone or mobile device with an Internet browser.*

How does it work?
Mobile Banking uses wireless browser technology to display pages for account balance viewing, searching transaction history, and transferring funds between select accounts at First National Bank of Fort Smith. Because it is browser-based, any mobile device with an Internet browser can connect to the system.*

Is this like online Internet banking?
The Mobile Banking user experience is similar to an online Internet banking session. However, this application is strictly designed for a mobile device. This dynamic design allows the pages to be spatially presented for mobile size screens; not only making the user experience more efficient, but also more pleasing to the eye. Further, the design of Mobile Banking limits key strokes by primarily driving the application via a mobile directional device of some kind (i.e. arrows, trackball, touch screen, etc.)

Is there a cost to use the product?
No, the Mobile Banking system is just another added benefit to having OnlineBanking@fnbfs.com  with First National Bank of Fort Smith. However, please consult your wireless provider for costs associated with accessing the Internet on your mobile device.

Do I need to load any software on my cell phone or mobile device?
No, another benefit of a browser-based solution is that there is no required application to be loaded or data stored on the mobile device.

How is my personal information protected?
Since Mobile Banking is a browser-based solution, no personal information is stored on the device. Further, all personal information stored in the bank's system is encrypted with advanced encryption technology. Lastly, authentication to the system consist of multiple levels: standard username / password and challenge phrase validates your identify as well as authenticates the site you are being directed to.

* This is not a guarantee your phone is compatible for this service.

Click here to go to the Mobile Banking application.

__________________________________________________________________________

A new 24-hour information line is now available to customers of Bank of Rogers.

You must fill out the application form and return it to any one of our conveniently located branches. You must select a Personal Identification Number (PIN) so you alone can access your account information by telephone. When we receive your application form, we will check your signature against the signature card we have on file for your account(s). Upon verification, we will mail you an Information Line instruction brochure. Use of the PIN number provides total security when you use the Information Line.

__________________________________________________________________________

Benefits

The ability to accept credit cards is included with a business account.

Application fee waived if opening a merchant account when Opening a checking account or other Bank of Rogers product.

We offer the lowest rate nation wide and we guarantee it.

We offer electronic check acceptance. This will allow merchants to verify and guarantee the funds of any check written to them and have it electronically deposited into their account the next day.

The following cards may be accepted:
Visa, MasterCard, American Express, Discover, Fleet, Voyager, Dinners, and Gift Cards.

The process is painless because we will guide merchants through the entire process.

For more information contact customer service at 866-267-1197 or any Bank of Rogers New Accounts Representative
479-621-6800. Some restrictions apply.

__________________________________________________________________________

Put your money to work!
Cash Management services offer a variety of ways to structure the deposits of your business so that your funds realize maximum earning potential.  Our experienced cash management associates can develop a customized program for your business,

which may include..

• Online Balance Reporting
• Account Balances
• Internal Transfers
• Wire Transfers
• Stop Payments
• Direct Deposit
• Direct Payment
• eStatements
• No initial setup fee.
• First 3 months completely FREE.
• $17.97 monthly service fee; $0.08 per item charge.

__________________________________________________________________________

__________________________________________________________________________

We all have that little something. . .we want to keep extra safe.   We have just the place!

Safety Deposit Box Charges
3 x 10	$25/yr
5 x 10	$45/yr
10 x 10	$75/yr

__________________________________________________________________________

Service	Charge		Service	Charge
Account Research (per hour)	$23.81		Close New Account (within the first 90 days)	$9.97
Account Transfers	$2.97		Notary service - customer	Free
Balance Inquiries	Free		Notary Service - non customer	$5.00
Cashiers Checks - Customer	$3.00		Linked Account (per transfer)	$5.77
Money Orders	$2.00		Replacement of ATM/Debit Card	$4.97
Checkbook Counseling	$23.81		Stop Payment Charge	$24.83
Check Printing - by check style	Varies		Wire Transfer Domestic	$18.83
Collections - customers	$11.87		Wire Transfer International	$30.57
Dormant Account Fee	$5.83		Instant Statements	$3.57
Garnishments	$88.67
Insufficient Check Charge	$22.83
Fee for Paying Overdraft	$22.83
Fee for Returning Overdraft	$22.83
*Fee changes effective May 1, 2008