Make it easy.  Make it merry.  Make it a Christmas Club Account!  
 
The Christmas Club account gives you a special way to save for extra expenses during the holidays.  With only a $5 minimum deposit and no minimum balance requirement and no monthly service charges, we make it easy. 
Features: 
  • $5 minimum deposit
  • No monthly service charges
  • No minimum balance requirement
  • Open year-round
  • Automatic draft for deposit
  • Interest earned annually
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    Traditional Savings Accounts 
     
    The First Bank & Trust Company Savings Account is a traditional savings account that is completely free of service fees or charges.  
     
    Competitive interest is paid on all deposits down to one cent. Free savings with no catches and no limitations!  
     
    Features  
  • Open an account for only $25
  • No monthly service charges
  • No minimum balance requirements
  • Quarterly statements are sent to your home
  • Unlimited withdrawals at any office or via ATM card transactions
  • Funds are FDIC insured
  • Interest is compounded quarterly
  • No charge for direct deposit
  • Unlimited account inquiries
  • Register for recording transactions Benefits
  • Earn interest on every penny!
  • Insured investment
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    Traditional IRA  
     
    Traditional IRA's allow you to better provide for your retirement by deferring the taxation of your investment until it is withdrawn. 
     
    First Bank & Trust Company Individual Retirement Accounts are tax-benefit accounts that are authorized by Congress.  
     
    Features: 
  • You can open an IRA with $100
  • Contributions can be made at any time in amounts of $5 or greater
  • Annual contributions are limited to $5,000 ($6,000 for anyone over 50).
  • Contributions may be tax deductible
  • Funds are taxable when they are distributed
  • There may be a tax on funds taken out before age 59 1/2, please consult your tax advisor.
  • Distribution must start by age 70 1/2
  •  
    Benefits  
  • Tax deferred growth of earnings!
  • Possible tax deduction for annual contributions
  • Wide choice of fixed rate, variable rate, CD terms and mutual funds
  • Spouse can inherit IRA
  • Automatic savings available
  • Flexible pay out schedule
  • More secure financial future
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    Roth IRA 
     
    Roth IRA's are not tax-deferred, but once you retire the distribution of earnings is tax free. 
     
    First Bank & Trust Company Roth Individual Retirement Accounts are tax-benefit accounts that are authorized by Congress. Roth IRA's are not tax-deferred, but once you retire the distribution of earnings is tax free.  
     
    Features  
  • You can open a Roth IRA with $100
  • Contributions can be made at any time in amounts of $5 or greater
  • Annual contributions are limited to $5,000 ($6,000 for anyone over 50).
  • Contributions are not tax deductible
  • There may be a tax on funds taken out before age 59 1/2. Please consult your tax advisor.
  • No requirement to begin distribution by age 70 1/2
  • Open to all wage earners with salaries less than $150,000, subject to restrictions.
  •  
    Benefits  
  • Tax-free distribution of earnings!
  • Flexible pay out schedule that does not have to start at 70 1/2
  • Wide choice of fixed rate, variable rate, CD terms and mutual funds
  • Spouse can inherit IRA
  • Automatic savings available
  • You can convert existing IRA's to Roth IRA's
  • More secure financial future
  •  
    Health Savings Accounts 
     
    Health Savings Account (HSA) is an alternative to traditional health insurance; it is a savings product that offers a different way for you to pay for health care.  
    You can sign up for a health savings account with First Bank & Trust, or your employer may set up a plan at your place of employment. 
     
     
     
    FDIC
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