Notices/Privacy Policy

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Terms, Conditions, and Disclaimers

The following are First NaturalState Bank’s terms, conditions and disclaimers. By accessing this Web site, you agree to be bound without modification to all of the following terms, conditions and notices.

First NaturalState Bank has made every effort to provide accurate and timely information. However, due to the possibility of technical inaccuracies, typographical errors, as well as other factors, First NaturalState Bank cannot be help responsible for any errors or omissions. First NaturalState Bank shall not be liable under any circumstances to user and/or third party for any direct, indirect, consequential, incidental, punitive, or exemplary damages, including lost profits (even if we are advised of the possibility) arising in any way from the information contained in this Web site. First NaturalState Bank is not liable for any damages or losses that may be caused to any equipment and other software due to any viruses, defects or malfunctions in connection with access or use of this Web site. The information published on this site is provided as a convenience to visitors and is for informational purposes only. If you need specific details about any information contained in our site, you should contact First NaturalState Bank by email or call (870) 222-3880.

The products and services described on this web site are available only in the United States. Products and services are not available in all geographic areas. The product and services and the applicable terms and conditions may change at any time. First NaturalState Bank reserves the right to change these Web site rules and modify the contents of this Web site without notice.

Other Sites

This web site may contain links to other sites on the Internet. Links to other sites are provided for your convenience and are not under the control of First NaturalState Bank. Such links do not imply First NaturalState Bank’s approval or endorsement of that site or its products or advertisements. Access to any other web sites linked to this site is at the User’s own risk. Links to this Web site are not permitted without the prior consent of First NaturalState Bank. Disclosure Product information contained on the First NaturalState Bank Web site does not take the place of required disclosures. For appropriate disclosures on personal and loan, accounts required under applicable federal and state regulations please contact us at (870) 222-3880.

Warranty Exclusions

First NaturalState Bank makes no warranties or representations as to the accuracy or completeness of the information contained on this Web site. Products and services are provided “as is” and “as available” without any warranty of any kind, either expressed or implied. By transmitting information through this Web site, you accept the risk that the information you transmit to us and any information that we transmit to you may be intercepted by third parties.


This Web site may contain calculators provided as a service to users, for educational purposes only. First NaturalState Bank does not guarantee the accuracy of these calculators and their applicability to your circumstances. First NaturalState Bank is not responsible for, and expressly disclaims all liability for, damages of any kind arising out of the use of such calculators.


Email messages sent to First NaturalState Bank may not be secure. We recommend that you do not use email to send us confidential information. Please call us at (870) 222-3880. If you choose to send any confidential information to us via email, you accept the risk that this information may be intercepted by a third party.


The contents contained within this Web site are the property of First NaturalState Bank. Users are prohibited from modifying, copying, downloading, publishing, or transferring without permission of First NaturalState Bank.

Bill Payment Services

First NaturalState Bank offers optional bill payment services.You may request this service through an online enrollment process.Currently, this service is provided through a third party vendor, and offers unlimited bill pay for the fee of $5.70 per month, per account.First NaturalState Bank reserves the right to add or remove features from time to time, or change third party service vendors or our fee structure following a 10-day notice to existing customers.

Privacy Policy