28 banks and credit unions have branches in the Fort Smith metro area. The Bank Fee Index holds published fees for 21 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Arkansas
Fort Smith metro counts institutions with a branch here, wherever headquartered. Arkansas counts institutions headquartered in the state.
Fort Smith metro
10 institutions with a branch here
$2.25
Arkansas
19 institutions headquartered in Arkansas
$1
U.S.
1,649 institutions in the index
$1.50
Chosen as the fee whose Fort Smith metro median sits furthest from Arkansas's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Fort Smith metro with Arkansas and the U.S. Each amount below links to the fee schedule it was read from, and an empty cell says why.
Published amounts here run from $15 to $36.
Median published overdraft fee
Fort Smith metro
17 institutions with a branch here
$30
Arkansas
42 institutions headquartered in Arkansas
$30
U.S.
2,605 institutions in the index
$30
Fort Smith metro covers every institution with a branch here, wherever it is headquartered. Arkansas covers institutions headquartered in the state. U.S. covers every institution in the Bank Fee Index.
28 institutions, 17 with a published overdraft fee.
Bank · based in Fort Smith, AR · 14 branches here
Account not yet known
“If we pay an overdraft item, you will be charged a $30 overdraft fee”
Bank · based in Fayetteville, AR · 10 branches here
Account not yet known
“count after we post all credits and debits for the day ("Ledger Balance") is less than the amount we need to pay your transaction. For all consumer accounts, we will assess a maxim”
Bank · based in Van Buren, AR · 9 branches here
Bank · based in Greenwood, AR · 9 branches here
Account not yet known
if Farmers Bank pays an overdraft transaction on your behalf
“An overdraft fee of $30.75 per returned check (per item, per presentment) or paid as an overdraft (per item) occurs if Farmers Bank pays an overdraft transaction on your behalf.”
Bank · based in Columbus, OH · 7 branches here
Account not yet known
“Overdraft Fee | $15.00 Per overdraft item. No overdraft fees unless final account”
Bank · based in Little Rock, AR · 7 branches here
Account not yet known
“An overdraft fee of $35 per item will apply, whether the overdraft is caused by check, in-person withdrawal, or electronic means.”
Bank · based in Muskogee, OK · 6 branches here
Bank · based in Sallisaw, OK · 5 branches here
Bank · based in Huntsville, AR · 5 branches here
Bank · based in Birmingham, AL · 3 branches here
Account not yet known
“Paid Overdraft Item/Returned Item Fee3 … $36.00”
Largest banks by local bank deposits
Share of the $6.0 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
Metro context: the Fort Smith metro's counties
Deposits and branches cover the Fort Smith metro. Population and income cover the metro's counties. This is background. None of it sets or explains a fee.
Bank deposits
Change at branches here, 2021 to 2026
Bank branches
Change in branch count, 2016 to 2026
Population
Change between the 2022 and 2024 Census estimates
Deposits and branches: FDIC Summary of Deposits, 2026 and earlier years. Population and income: Census American Community Survey 5-year estimates for the metro's counties.
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