The Best Checking Account for Farmers

Our Ag checking accounts are crafted with the agricultural community in mind, offering low fees, flexible services, and innovative digital tools to simplify your finances. Whether you’re managing seasonal expenses, depositing checks from the farm, or simply seeking a partner in your financial growth, our checking accounts are curated to provide you with the support you need. 

Free Checking

Enjoy truly free checking with none of the monthly fees or endless lists of requirements. Our free checking account allows you to access your money, your way by providing you with free, 24/7 access to our industry leading digital banking tools - available online and on the go through the First Bank and Trust Company Mobile Banking app. Open an account online in 5 minutes or less!

Account Details:

  • Open an account with a $50 deposit
  • No monthly service charges
  • No minimum balance requirements
  • Unlimited transfers to other accounts

Features and Benefits:

Checking with Perks

Enjoy discounts on fuel, dining and shopping, plus access to roadside assistance and ID Theft Aid at your fingertips. Our Checking with Perks account is packed with these benefits and many more!

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Account Details:

  • Open an account with a $50 deposit
  • $5 monthly benefits charge
  • No minimum balance requirements
  • Unlimited transfers to other accounts

Features and Benefits:

  • Online and Mobile Banking
  • Online Bill Pay
  • eStatements
  • Access to over 55,000 ATMs via the Allpoint Network
  • Text and telephone banking
  • Access to our industry-leading suite of digital banking tools
  • ID Theft Aid
  • Cell Phone Protection
  • Roadside Assistance
  • Local deals and discounts
  • Pharmacy, vision, and hearing discounts
  • BaZing Fuel - earn 10¢/gal for up to 20 gallons each month
  • $10,000 Travel Accidental Death Insurance - covers loss of life due to accident while traveling
  • BillShark - bill negotiation and subscription cancelling service


    View the Benefits Reference Guide

    Insurance products are: NOT A DEPOSIT. NOT FDIC-INSURED. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT GUARANTEED BY THE BANK. See full terms and conditions at the bottom of this page.

Premier Checking with Perks

Enjoy peace of mind by having roadside assistance and ID Theft Aid at your fingertips, plus thousands of deals and discounts on food, shopping and fuel. Do you maintain a minimum monthly balance of $2,500 in your account? If so, the Premier Checking with Perks account is for you - and it's FREE!

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Details:

  • Open an account with $2,500
  • Maintain the $2,500 balance requirement to waive the monthly $5 fee for FirstPerks
  • Unlimited transfers to other accounts

Features and Benefits:

  • Online and Mobile Banking
  • Online Bill Pay
  • eStatements
  • Access to over 55,000 ATMs via the Allpoint Network
  • Text and telephone banking
  • Access to our industry-leading suite of digital banking tools
  • ID Theft Aid
  • Cell Phone Protection
  • Roadside Assistance
  • Local deals and discounts
  • Pharmacy, vision, and hearing discounts
  • BaZing Fuel - earn 10¢/gal for up to 20 gallons each month
  • $10,000 Travel Accidental Death Insurance - covers loss of life due to accident while traveling
  • BillShark - bill negotiation and subscription cancelling service
  • Earn interest on your Premier Checking with Perks account


View the Benefits Reference Guide

Insurance products are: NOT A DEPOSIT. NOT FDIC-INSURED. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT GUARANTEED BY THE BANK. See full terms and conditions at the bottom of this page.

The Best Bank for Farmers

Our +40 years in the agricultural industry has not only proven our strong commitment to agriculture but has landed us 4th in the nation among Ag Banks, and 30th overall.

We are Ag industry specialists who anticipate and prepare for the cyclical nature of farming. Many of our lending experts are farmers themselves. They have a deep understanding of the industry and know first-hand the vital role it plays in our economy.

At First Bank and Trust Company, you are in knowledgeable, experienced care when you trust the financial needs of your farm to First Bank and Trust Company.

Card Rewards

Rewards Just For Banking With Us

Use your First Bank and Trust Visa Debit Card for all of your everyday purchases. You will automatically earn one point for every four dollars spent in eligible check card purchases. Simply enroll in digital banking to begin earning points towards your purchases.

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