FOCUS Bank offers a range of financial products and services. It provides a variety of personal and business checking accounts. The bank also offers savings and retirement accounts and certificates of deposit. FOCUS Bank provides agriculture, commercial, business, home equity and construction loans. Additionally, it offers personal loans for automobiles, computers, boats, debt consolidation and home improvement. The bank provides Internet and online banking services. FOCUS Bank operates a network of ATM facilities and offers free bill payment and 24-hour customer services. It provides financial tools to calculate loan and lease payments, savings, compounding yield, retirement payout, interest rates and inflation multiplier. With a location in Paragould, Ark., it maintains offices throughout Arkansas and Missouri.