Why we're different?

We understand that banking isn’t always all about money. At Arkansas County Bank banking is All About You! Providing you with the most competitive financial products & services available. Giving you choices that fit your needs. Offering you the best possible interest & loan rates. That’s what we mean when we say…It’s All About You!

Proudly serving the communities of...

DeWitt

Lockesburg

Stuttgart

Products & Services

Non-Interest-Bearing Personal Accounts
Interest-Bearing Personal Accounts
Non-Interest-Bearing Commercial Accounts

LOAN SERVICES

Arkansas County Bank is the only bank you will ever need for your personal and business financing. Plus, because we are a hometown bank, we can streamline the process so your application can be processed quickly. We provide personal loans, real estate loans, commercial and agricultural loans to the people of our area. Our lending team is well-trained and professional to meet the needs of our customers.

Personal/Consumer Loans

We can help with all your personal lending needs. Whether you are interested in a car or sending your kids to college, we offer competitive rates and prompt service. Signature Loans Deposit Account Loans Vehicle Loans Recreational Vehicle Loans (Motor Homes, Campers, Boats, Motorcycles, etc.) Vacation Loans College Loans

Real Estate/Mortgage Loans

There is a smart way to finance your home and it’s available at Arkansas County Bank. We offer a wide range of home mortgage products, which allows us to develop a plan to best fit your lifestyle.

  • In-House Residential Real Estate Loans (Purchase and Refinance)
  • Long-term, Fixed Rate FHA/VA and Conventional Loans
  • Construction Loans
  • Home Improvement Loans
  • Home Equity Loans
  • Manufactured Housing Loans

Commercial Loans

We strive to meet the credit needs of our commercial businesses. Arkansas County Bank offers a variety of loans to meet those financial needs. Commercial and Industrial Loans Commercial Real Estate Loans (Purchase and Refinance) Agriculture Loans

We understand the unique financial needs of our Agricultural businesses. This uniqueness can only be provided by a local bank, by local people. From the smallest to the largest farmer, Arkansas County Bank is here to help you adapt to a changing marketplace. Our staff has the experience and knowledge to provide you with prompt professional service. Furthermore, our Bank has Preferred Lender status with Farm Services Agency for additional services. Let us make a local decision that works for you.

  • Crop Production Loans
  • Equipment Loans
  • Agricultural/Recreational Real Estate Loans

NON-INTEREST BEARING PERSONAL ACCOUNTS

Regular (Non-Interest Bearing) Checking

  • $50.00 Minimum Opening Balance
  • Unlimited Deposits Allowed
  • Images of Checks Included with Monthly Statement
  • $600.00 Minimum Daily Balance Must Be Maintained to Avoid Monthly Service Charge
  • A Service Charge of $0.08 Per Debit Transaction Item in Excess of 25 During a Statement Cycle Charged if Daily Balance Falls Below $600.00
  • Free Online Banking, Bill Pay and Debit Cards Available

Free Checking

  •  $50.00 Minimum Opening Balance
  • Unlimited Deposits Allowed
  • No Minimum Balance to Maintain
  • No Service Charges
  • Images of Checks Not Included with Monthly Statement
  • Free Online Banking, Bill Pay, and Debit Cards Available

MAC Club (Mature Adult Checking)

  •  $50.00 Minimum Opening Balance
  • Unlimited Deposits Allowed
  • Images of Checks Included with Monthly Statement
  • No Minimum Balance to Maintain
  • No Service Charges
  • First Box of Checks Free
  • Available to Customers Age 62 or Better
  • Free Online Banking, Bill Pay, and Debit Cards Available

Budget Checking

  • $50.00 Minimum Opening Balance
  • Unlimited Deposits Allowed
  • A Service Charge of $0.25 Per Item Will Be Charged for Each Debit Transaction (Withdrawal, Check Paid, Automatic Transfer, or Payment out of This Account)
  • Free Online Banking, Bill Pay, and Debit Cards Available

Christmas Club

  •  $5.00 Minimum Opening Balance
  • Unlimited Deposits Allowed
  • $1.00 Fee for each Withdrawal Prior to Annually Scheduled Distribution
  • Non-Interest Bearing, Non-Automatically Renewable Account

Vacation Club

  • $5.00 Minimum Opening Balance
  • Unlimited Deposits Allowed
  • $1.00 Fee for each Withdrawal Prior to Annually Scheduled Distribution
  • Non-Interest Bearing, Non-Automatically Renewable Account

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INTEREST BEARING PERSONAL ACCOUNTS*

Statement Savings

  •  $20.00 Minimum Opening Balance
  • Unlimited Deposits Allowed
  • Interest Compounded Quarterly
  • Interest Credited to Account Quarterly
  • $20.00 Minimum Daily Balance Must Be Maintained Each Day to Obtain Disclosed Annual Percentage Yield
  • Transfers from a Statement Savings Account to Another Account or to Third Parties by Preauthorized, Automatic, or Telephone Transfer are Limited to 6 per Month with No Transfers by Check, Draft, Debit Card, or Similar Order to Third Parties
  • $1.00 Fee Per Debit Transaction in Excess of 3 Withdrawals Per Quarter Will Be Assessed; This Fee Will Apply if the Daily Balance Drops Below $10,000.00

NOW Deluxe Account**

  •  $750.00 Minimum Opening Balance
  • Unlimited Deposits Allowed
  • Interest Compounded Monthly
  • Interest Credited to Account Monthly
  • $750.00 Minimum Daily Balance Must Be Maintained Throughout Statement Cycle to Avoid $7.50 Service Charge
  • $750.00 Minimum Daily Balance Must Be Maintained Each Day to Obtain Disclosed Annual Percentage Yield
  • Free Online Banking, Bill Pay, and Debit Cards Available
  • See Eligibility Rules Below

Super NOW Account**

  • $2500.00 Minimum Opening Balance
  • Unlimited Deposits Allowed
  • Interest Compounded Monthly
  • Interest Credited to Account Monthly
  • $2500.00 Minimum Daily Balance Must Be Maintained Throughout Statement Cycle to Avoid $10.00 Service Charge
  • $2500.00 Minimum Daily Balance Must Be Maintained Each Day to Obtain Disclosed Annual Percentage Yield
  • Free Online Banking, Bill Pay, and Debit Cards Available
  • See Eligibility Rules Below

Hi-Fi Account

  • $2500.00 Minimum Opening Balance
  • Unlimited Deposits Allowed
  • Interest Compounded Monthly
  • Interest Credited to Account Monthly
  • $2500.00 Minimum Daily Balance Must Be Maintained Throughout Statement Cycle to Avoid $10.00 Service Charge
  • $2500.00 Minimum Daily Balance Must Be Maintained Each Day to Obtain Disclosed Annual Percentage Yield
  • Transfers from Hi-Fi Individual Account to Another Account of Third Parties by Preauthorized, Automatic or Telephone Transfer are Limited to 6 Per Statement Cycle.
  • Free Online Banking, Bill Pay, and Debit Cards Available

*At our discretion, we may change the interest rates for any of the above listed accounts. Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.

** NOW Account Eligibility – Who is eligible for a NOW Account? Individuals, Sole Proprietors, Non-Profit Organizations primarily for religious, philanthropic, charitable, educational or other similar purposes, Local Housing Authorities, Independent School Districts, Trade Associations, Professional Organizations such as Bar, Medical or Dentists’ Associations, Business Men’s and Women’s Clubs, State and Local Governments.

Who is not eligible for a NOW Account? Partnerships Operated for Profit, Professional Corporations, Business Corporations, Political Parties, Campaign Organizations, Trustees in Bankruptcy, Realty or Real Estate Investment Trusts, Credit Unions, Insurance Plans, Military Exchanges and Purchasing Cooperatives, Hospital Districts. 

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NON-INTEREST BEARING COMMERCIAL ACCOUNTS

Regular (Non-Interest Bearing) Checking

  • $50.00 Minimum Opening Balance
  • Unlimited Deposits Allowed
  • $600.00 Minimum Daily Balance Must Be Maintained to Avoid Monthly Service Charge
  • A Service Charge of $0.08 Will Be Charged for Each Debit Transaction (Withdrawal, Check Paid, Automatic Transfer or Payment Out of This Account) in Excess of 25 During a Statement Cycle. This Fee Will Apply if the Daily Balance Falls Below $600.00 at Any Point During Statement Cycle
  • Free Online Banking, Bill Pay, Debit Cards Available

Budget Checking

  • $50.00 Minimum Opening Balance
  • Unlimited Deposits Allowed
  • A Service Charge of $0.25 Per Item Will Be Charged for Each Debit Transaction (Withdrawal, Check Paid, Automatic Transfer, or Payment Out of This Account)
  • Free Online Banking, Bill Pay, Debit Cards Available

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