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Personal Checking
 
Focus Bank offers a variety of checking accounts in order to meet the needs of its customer's various lifestyles. We offer a free checking account with no minimum balance, or choose a checking account that earns interest. To learn about the features and benefits of each type of checking account scroll down the page to read each account or click on a link below. If you have questions about any of the services and products from Focus Bank, please contact us online, by phone or visit one of our branches.
 
Focus Free Checking

Looking for a great Free Checking Account with no strings attached? 
Then FOCUS Free Checking is just right for you!

 

  • $25 Opening Deposit
  • No Minimum Balance
  • No Monthly Service Charge    
  • Free Checks*
  • Free ATM/Debit Card
  • Free 24- Hour Telephone
  • Banking
  • Free Online Banking
  • Free Bill Pay**
  • Free Image Statement
  • Free Direct Deposit/Automatic Drafts
  • 50% Discount on Personal One-On Style
  • $500 Overdraft Privilege***
  • *Specialty Wallet Style Only


**Customers must receive an email statement in order to have free Bill Pay.
***Customers must maintain an account in good standing with the bank for at least 30 days in order to qualify.  See Overdraft Privilege Disclosure for complete details.
 
Maximum Free Checking

Kiss those ATM fees goodbye forever with MAXimum Free Checking.  Plus earn a great interest rate at the same time.

  • $100 Opening Deposit
  • No Minimum Balance
  • No Monthly Service Charge
  • Interest Banking
  • Free Checks*
  • Free ATM/Debit Card
  • Free 24- Hour Telephone Banking
  • Free Online Banking
  • Free Bill Pay**
  • Free Image Statement
  • Free Direct Deposit/Automatic Drafts
  • 50% Discount on Personal One-On Style
  • $500 Overdraft Privilege***

PLUS – FREE ATM’s Nationwide****
*Specialty Wallet Style Only
**Customers must receive an email statement in order to have free Bill Pay.
***Customers must maintain an account in good standing with the bank for at least 30 days in order to qualify.  See Overdraft Privilege Disclosure for complete details.
****Requirements must be met in order to receive benefits and interest.  Rates subject to change.  See complete disclosure for details.

 
Super NOW Checking

This account offers unlimited checking plus interest.  If the account falls below $1000, a $6 monthly service charge will apply.

  • $1000 Opening Deposit
  • Interest Bearing
  • Free Checks*
  • Free ATM/Debit Card
  • Free 24- Hour Telephone Banking
  • Free Online Banking
  • Free Bill Pay**
  • Free Image Statement
  • Free Direct Deposit/Automatic Drafts
  • 50% Discount on Personal One
    OnStyle
  • $500 Overdraft Privilege***

*First order only- personal one-on style
**Customers must receive an email statement in order to have free Bill Pay.
***Customers must maintain an account in good standing with the bank for at least 30 days in order to qualify.  See Overdraft Privilege Disclosure for complete details.
 
Platinum Money Market

Earn interest and have the convenience of a limited checking account.  This account is tiered and pays interest based upon balance levels.  A $5 per item charge will result for exceeding the limit of checks or transfers to a third party.  Preauthorized withdrawals are limited to 6 per month, of which, only 3 may be checks.  If the account falls below $1000, a $5 monthly service charge will apply. 

  • $1000 Opening Deposit
  • $1000 Minimum Balance
  • Interest Bearing – 4 Tiers
    $1 – 999,
    $1000 – 4999
    $5000 – 49999,
    $50000 - over
  • Free 24- Hour Telephone Banking
  • Free Online Banking
  • Free Image Statement
 
Value Plus Checking

Earn interest plus have unlimited check writing and other great Free benefits.

$100 Opening Deposit $10,000 Accidental Death Insurance
No Minimum Balance Free Notary Service
$5 Monthly Service Charge 50% Discount on Safety Deposit Box 1st Year
Interest Bearing No Service Charge on Travelers Checks
Free Checks* No Service Charge on Money Orders
Free ATM/Debit Card  Key Ring Protection
Free 24- Hour Telephone Banking Emergency Cash Advance
Free Online Banking Medical Emergency Data Card
Free Bill Pay** Travelers Advantage & Savings
Free Image Statement Nationwide Discount Program
Free Direct Deposit/Automatic Drafts Credit Card Protection
50% Discount on Personal One-On Style $500 Overdraft Privilege***

*Specialty Wallet Style Only
**Customers must receive an email statement in order to have free Bill Pay.
***Customers must maintain an account in good standing with the bank for at least 30 days in order to qualify.  See       Overdraft Privilege Disclosure for complete details.
 
Senior Gold Checking

This account is designed for Seniors, 50 and older, who want to maximize their checking balances by receiving a tiered interest rate with
no minimum balance and many other benefits.

 
No Minimum Opening Deposit $10,000 Accidental Death Insurance
No Minimum Balance $100,000 Common Carrier Accidental Death/Health Insurance
$4 Monthly Service Charge  Free Notary Service
Interest Bearing -  3 Tiers 50% Discount on Safety Deposit Box 1st Year
$0-5000 No Service Charge on Travelers Checks
$ 5001 -15000    No Service Charge on Money Orders
$ 15001-over                        Emergency Cash Advance
Free Checks*                           Medical Emergency Data Card
Free Image Statement Free ATM/Debit Card 
Key Ring Protection     Travelers Advantage & Savings
Free 24- Hour Telephone Banking Nationwide Discount Program
Free Online Banking Credit Card Protection
Free Bill Pay** Buyers Advantage
Free Direct Deposit/Automatic Drafts Personal One-On 50% Discount on Style
$500 Overdraft Privilege***  
   
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Missouri Locations:
1-800-464-3150
Arkansas Locations:
1-870-236-7000

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