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Personal Banking

The Best Bank for Savings Accounts

Looking to make a big purchase? Planning for the future? A personal savings account is the perfect way to take your financial goals to the next level. From regular savings accounts to IRA’s you are guaranteed to find a savings option that is right for you. 

We help you keep saving simple. No hidden fees or extra requirements. Find an option that's right for you and open your personal savings account today.

Savings Account

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

Account Details:

  • Open an account with $25
  • Unlimited withdrawals at any office or ATM
  • Interest compounded quarterly
  • Free with eStatements

Features and Benefits:

  • Free online, mobile, and phone banking
  • Nationwide access to ATMs via the Allpoint Network
  • 24-hour access to money
  • Open an account online in 5 minutes or less!

Open A Savings Account Online

Open An Account Online in Minutes

Open Anywhere (Transparent)

Scan the code with your phone to get started!

Health Savings Account (HSA)

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

Account Details:

  • Open an account with as little as $1.00
  • Earn interest on balances of $2,500 or greater
  • Free with eStatements

Features and Benefits:

  • Free Visa Debit Card
  • Tax savings available
  • Balance carries over from year to year
  • Capabilities to work with Employer Insurance plans

Contact your nearest branch to open a Health Savings Account.

Find a Branch Location Near You
Health Savings Calculator

Certificate of Deposit (CD)

A Certificate of Deposit allows you to grow your money with an account that rewards you with a higher interest rate. Earn guaranteed interest rates on investment terms ranging from 3 months to 5 years.

Account Details:

  • Open an account with as little as $500.
  • Interest compounded based on CD term (quarterly, semi-annually, or at maturity).
  • Automatically renewable.
  • Penalty may apply for early withdrawal.
  • Free with eStatements

Open a Certificate of Deposit Online:

  • 6-Month CD
  • 12-Month CD

 

Ask about our 9 or 15-Month Relationship CDs, available exclusively in-branch for new and existing First Bank and Trust customers.

CD Calculator

Open An Account Online in Minutes

Open Anywhere (Transparent)

Scan the code with your phone to get started!

Open a CD Online

Traditional IRA

A Traditional IRA is an individual retirement account that allows you to defer the taxation of your investment until it is withdrawn.

Account Details:

  • Open with $100
  • Contributions can be made at any time in amounts of $5 or greater
  • Funds are taxable when they are distributed
  • Distributions are required to begin at age 73
  • Free with eStatements

Features and Benefits:

  • Tax deferred growth of earnings
  • Annual contributions may be tax deductible
  • Flexible pay out schedule
  • An account designed to help you prepare for a secure financial future

Roth IRA

A Roth IRA is an individual retirement account that allows you to withdraw the principal and earnings tax-free under certain conditions.

Account Details:

  • Open with $100
  • Contributions can be made at any time in amounts of $5 or greater
  • Contributions are not tax deductible
  • No requirement to begin distribution by age 73
  • Free with eStatements

Features and Benefits:

  • Tax-free distribution of earnings
  • An account designed to help you prepare for a secure financial future
Roth IRA Calculator
Anywhere Banking Tools

Online & Mobile Banking

Experience the best of both worlds, local service and digital convenience. Our digital banking experience provides free tools, secure access, and invaluable financial education, empowering you to manage your accounts with ease, regardless of where you are.

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Open Anywhere (Transparent)

Seamless Online Account Opening

Opening a savings account online with First Bank and Trust Company is designed to be effortless and efficient. Our application is mobile-first. Scan the code with your phone to open your savings account online today!

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Personal Checking Account Options

Our personal checking accounts are the perfect complement to your savings account. With features designed for convenience and flexibility, a checking account provides easy access to your funds while integrating with your savings strategy. Enjoy features like online banking, mobile check deposit and a nationwide ATM network, ensuring your money is always at your fingertips when you need it.

Checking Account Options

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