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First Bank & Trust makes managing your finances easier and more convenient than ever.

We offer a wide range of services backed by excellent customer service. Our goal is to grow our relationship into a lasting partnership. At First Bank & Trust, you’re more than just a client. You’re family – and part of everything we do. See why First Bank & Trust clients are proud to say “That’s my bank!”

Requirements

$100 opening minimum balance


Benefits

No monthly service charge for full-time students


Costs

  • If your average daily balance falls below $300 for the monthly statement cycle we will impose a service charge fee of $8 for that monthly statement cycle.
  • If your average daily balance is at least $300 but no more than $599.99 for the monthly statement cycle we will impose a service charge fee of $7 for that monthly statement cycle.
  • If your average daily balance is at least $600 but no more than $899.99 for the monthly statement cycle we will impose a service charge fee of $6 for that monthly statement cycle.
  • If your average daily balance is at least $900 but no more than $1.199.99 for the monthly statement cycle we will impose a service charge fee of $5 for that monthly statement cycle.
  • If your average daily balance is at least $1,200 but no more than $1,499.99 for the monthly statement cycle we will impose a service charge fee of $4 for that monthly statement cycle.
  • If your average daily balance is $1,500 or more there is no charge for that monthly statement cycle.
  • .15 per check for all checks in excess of 35 per month. No charge on accounts with no debit activity during month.

Requirements

$1,500 opening minimum balance

If your balance falls below the minimum requirement, no interest will be paid on the account.


Costs

  • A minimum balance fee of $10 will be imposed every statement cycle if the balance of the account falls below $1,500 any day of the cycle.
  • You may make 25 withdrawals from your account each statement cycle. A fee of $.15 will be imposed for each subsequent withdrawal.

Requirements

$2,500 opening minimum balance

If your balance falls below the minimum requirement, no interest will be paid on the account.


Costs

  • If your balance falls below $2,500 on any day in the monthly statement cycle we will impose a service charge fee of $10 for that monthly statement cycle.
  • If your balance is at least $2,500 on every day in the monthly statement cycle but falls below $5,000 on any day during the monthly statement cycle we will impose a service charge fee of $7.50 for that monthly statement cycle.
  • You may make 25 withdrawals from your account each statement cycle. A fee of $.15 will be imposed for each subsequent withdrawal.

Requirements

$100 opening minimum balance

Direct Deposit is required to open this account.


Costs

  • A minimum balance fee of $4 will be imposed every statement cycle if the average daily balance for the cycle falls below $1,000.
  • You may make 35 withdrawals from your account each statement cycle. A fee of $.15 will be imposed for each subsequent withdrawal.

Requirements

$100 minimum balance to open


Benefits

  • Free on-line banking
  • Debit cards available - $1.00 per month per card on account
  • No service charge