Introducing Transaction Enrichment for Mobile and Online Banking Customers
February 25, 2026
A Smarter, Clearer Way to Understand Your Spending
At First Bank and Trust Company, we’re committed to delivering exceptional customer service, including an intuitive digital banking experience. That’s why we’re excited to introduce Transaction Enrichment, a powerful new feature now available in the First Bank and Trust Company Mobile Banking app and Online Banking platform.
Clearer Transactions
Transaction Enrichment transforms generic transaction details into recognizable, easy-to-understand information.
Here’s what’s new:
Clear Merchant Names
Say goodbye to confusing transaction memos. We’ve replaced generic descriptions with recognizable merchant names.
Visual Recognition with Merchant Logos
When available, a merchant’s logo appears alongside the transaction, making it easy to quickly scan your history.
Category-Based Icons
If a merchant logo isn’t available, a standardized category icon is displayed instead for visual clarity.
Original Details Preserved
If a transaction can’t be enriched, your original memo remains unchanged.
Posted Transactions Only
Enrichment applies to posted transactions. Pending transactions will continue to display original memos until they are fully processed.
The result? Less confusion. More clarity. A faster, more intuitive banking experience.
Intelligent Spending Categorization
Each enriched transaction is automatically assigned to a predefined spending category, giving you a clearer picture of where your money goes.
- Categories are system-defined to ensure consistency.
- Each category includes a standardized icon.
- Icons align directly with your Spending by Category dashboard.
This structured approach makes it easier to identify trends and better understand your financial habits.
Less confusion. More clarity. A faster, more intuitive banking experience.
We know flexibility matters. If you’d like to refine the details of an enriched transaction, you can edit:
- Merchant name
- Spending category
When you update a merchant name, the system automatically applies the most relevant available icon, keeping your experience visually consistent and personalized.
Deeper Insights with the Spending by Category Dashboard
Transaction Enrichment powers enhanced insights within your Spending by Category dashboard in Online Banking.
Features include:
Flexible Time Views
- Past 7 days
- Past 30 days
- Past 90 days
- Past 180 days
Automatic Data Sync
Your account data updates each time you log in, ensuring you’re always viewing the latest information.
Display Options
- Visual chart view
- Detailed list view
Spending Wheel Visualization
Category icons correspond directly to segments in the interactive spending wheel, making it simple to review and analyze your activity at a glance.
With these tools, you can better understand your spending patterns and make more informed financial decisions.
Designed to Support Your Financial Wellness
Transaction Enrichment is more than a visual upgrade; it’s part of our commitment to helping you:
- Understand your transactions more clearly.
- Stay engaged with your finances.
- Build stronger financial habits.
- Enjoy a seamless, modern digital banking experience.
We’re proud to bring you this enhanced capability and look forward to continuing to deliver tools that empower your financial journey.
Log in today to explore your newly enriched transaction experience.