Checking & Savings
First Bank & Trust Company offers a variety of checking and savings account options that are sure to meet your unique needs. Since 1979, we've proudly offered free checking! Find the account that's right for you below.
Personal Checking and Savings Accounts
A free checking account that allows you to access funds via standard checks, Visa Check Cards, First Call Phone Banking, Mobile and Online Banking. Open an account online in 5 minutes or less!
Details:
- Open an account with $50
- No monthly service charges
- No minimum balance requirements
- Unlimited transfers to other accounts
Features:

Do you look for deals when you shop? If so, the Checking with Perks account is for you! Enjoy easy to use banking tools and other money saving benefits.
Details:
- Open an account with $50
- $5 monthly charge
- No minimum balance requirements
- Unlimited transfers to other accounts
Features:

1 Cell phone protection and personal identity theft benefit are subject to additional terms and conditions. 2 Insurance products are: NOT A DEPOSIT. NOT FDIC-INSURED. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT GUARANTEED BY THE BANK.
Get the app:

Do you look for deals when you shop and maintain a minimum monthly balance of $2,500 in your account? If so, the Premier Checking with Perks account is for you - and for FREE!
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:

1 Cell phone protection and personal identity theft benefit are subject to additional terms and conditions. 2 Insurance products are: NOT A DEPOSIT. NOT FDIC-INSURED. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT GUARANTEED BY THE BANK.
Get the app:

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
- 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
Open an account online in 5 minutes or less!
Open a money market account online
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
Benefits:
- Free online, mobile, text and phone banking
- Nationwide access to free ATMs via the Allpoint Network
- 24 hour access to money
Open an account online in 5 minutes or less!
Open a savings account online
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
Open an account online in 5 minutes or less!
A Traditional IRA is 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 72
Benefits:
- Tax deferred growth of earnings
- Annual contributions may be tax deductible
- Flexible pay out schedule
- More secure financial future
A Roth IRA is 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 72
Benefits:
- Tax-free distribution of earnings
- More secure financial future