Checking & Savings

First Bank & Trust Company offers a variety of checking and savings account options that are sure to meet your unique needs. Free Traditional Checking is just one of the many perks.


Introducing First Bank & Trust Rewards

Visa Check Card Rewards are here just in time for the holiday season! Use your Visa Check Card for all of your everyday purchases. You will earn one point for every two dollars spent in eligible check card purchases. Simply link your existing First Bank & Trust Visa Check Card(s) by visiting the Rewards! Website to begin earning points. 

For customer service, please call 866-678-5189. Available 24/7.

A free checking account that allows customers to access funds via standard checks, Visa Check Cards, First Call Phone Banking and Online Banking.

Features: 

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

Benefits:

  • Free online, mobile, text and phone banking
  • Nationwide access to free ATMs via the Allpoint Network
  • Free online bill pay 
  • 24 hour access to money 

Environmentally responsible paperless checking.

Features:

  • Open an account with $50
  • Free Visa Check Card
  • Paperless e-statements

Benefits:

  • Free online, mobile, text and phone banking
  • Nationwide access to free ATMs via the Allpoint Network
  • Free online bill pay 
  • 24 hour access to money 

A Traditional Checking account available for individuals age 55 and older.

Features: 

  • Open an account with $50 
  • No monthly service charges
  • No minimum balance requirements
  • Unlimited transfers to other accounts
  • Free Visa Check Card

Benefits:

  • Free wallet safety-paper checks
  • Free online, mobile, text and phone banking
  • Nationwide access to free ATMs via the Allpoint Network
  • Free online bill pay 
  • 24 hour access to money 

All of the features of the Traditional Checking account while allowing you to earn interest on your account balance.

Features: 

  • Open an account with $2,500
  • Earn competitive interest on balances of $2,500 or greater 
  • No monthly service charges, even if account balance drops below $2,500 
  • Free Visa Check Card

Benefits: 

  • Free online, mobile, text and phone banking
  • Nationwide access to free ATMs via the Allpoint Network
  • Free online bill pay 
  • 24 hour access to money 

A limited checking account that pays competitive interest on the funds deposited. Interest rates are tiered based upon the range of deposits. 

Features: 

  • Open an account with $2,500 
  • Interest rates will be paid on the entire balance based on the applicable rate tier. 
  • Earn competitive interest on balances of $1,500 or greater 
  • Limit of six electronic and/or check withdrawals per month. Unlimited withdrawals in person or at an ATM.
  • $10 charge per withdrawal over 6 per month

Benefits:

  • Higher interest based on balances
  • Pay no fees regardless of balance
  • Free online, mobile, text and phone banking
  • Nationwide access to free ATMs via the Allpoint Network
  • 24 hour access to money 

A traditional savings account that earns competitive interest on all deposits.

Features: 

  • Open an account with $25
  • Unlimited withdrawals at any office or ATM 
  • Interest compounded quarterly 
  • Limit of 6 electronic transactions per month

Benefits:

  • Free online, mobile, text and phone banking
  • Nationwide access to free ATMs via the Allpoint Network
  • 24 hour access to money 

A special account owned by an individual that is used to pay for current and future qualified medical expenses.

Features and Benefits:

  • Open an account with as little as $1.00
  • Earn interest on balances of $2,500 or greater
  • Free Visa Check Card
  • Tax savings available
  • Balance carries over from year to year
  • Capabilities to work with Employer Insurance plans


Health Savings Calculator

Save for extra expenses during the holidays.

Features and Benefits: 

  • $5 minimum deposit
  • Interest earned annually
  • No monthly service charges
  • No minimum balance requirement
  • Open year-round
  • Automatic draft available for deposits

A convenient and secure account that earns interest while saving for special trips.

Features and Benefits:

  • Open with $25 minimum deposit 
  • Interest paid monthly
  • No monthly balance requirement 
  • No monthly service charges
  • Free online, mobile, text and phone banking
  • Free Visa Check Card
  • Automatic draft available for deposits

Allows you to earn guaranteed interest rates on investment terms ranging from 3 months to 5 years.


CD Calculator

An individual retirement account that allows you to defer the taxation of your investment until it is withdrawn.

Features:

  • Open with $100 
  • Contributions can be made at any time in amounts of $5 or greater
  • Funds are taxable when they are distributed
  • There may be a tax on funds taken out before age 59 ½ (please consult your tax advisor) 
  • Distributions are required to begin at age 70 ½

Benefits:

  • Tax deferred growth of earnings
  • Annual contributions may be tax deductible
  • Flexible pay out schedule 
  • More secure financial future

An individual retirement account that allows you to withdraw the principal and earnings tax-free under certain conditions.

 Features:

  • Open with $100 
  • Contributions can be made at any time in amounts of $5 or greater 
  • Contributions are not tax deductible 
  • There may be a tax on funds taken out before age 59 ½ (please consult your tax advisor)
  • No requirement to begin distribution by age 70 ½ 

Benefits:

  • Tax-free distribution of earnings
  • Flexible pay out schedule that does not have to start at 70 1/2 
  • More secure financial future


Roth IRA Calculator