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Personal Deposit Accounts

Community banking means taking care of our neighbors and friends.  At FB&T, you’ll receive the personal attention you deserve and expect from someone who puts your needs first.  Our deposit counselors would be happy to visit with you to find the products that work for you and your lifestyle.  With professional service for you, lollipops for the children and treats for your puppy, we welcome you to our home.  Please visit us soon to see how great banking can be! Use our easy Switch Kit to change your account to First Bank & Trust.

 

Personal Checking Accounts

 Simple Checking Rewards Checking Interest Checking
 Perfect for students, seniors and everyone in between
 ATM Fee Refunds up to $4 (†)
$2 Reward for > 50 debit card purchases (*)
$10 Reward for new FB&T Loan
 Earn interest and receive a FREE paper statement

Monthly $4 charge refunded with 3 of the following:

  • Direct Deposit/Mobile Deposit
  • 15 Debit Card Purchases (*)
  • Average Balance > $250
  • Automatic FB&T Loan Payment
  • Additional Deposit Acct w/ Avg Balance > $500 (†)
  • Under 21 (^)
  • 65 or Older

Monthly service charge of $7 refunded with 4 of the following:

  • Direct Deposit/Mobile Deposit
  • 15 Debit Card Purchases (*)
  • Average Balance > $1,500
  • 5 Bill Pay or ACH Transactions
  • E-Statements
  • Automatic FB&T Loan Payment
  • Additional Deposit Account (^)

Monthly $10 charge refunded with:

  • Avg Deposit Balance > $50,000,

          OR

  • Avg Loan Balance > $50,000,

          OR with 4 of the following:

  • Direct Deposit/Mobile Deposit
  • 15 Debit Card Purchases (*)
  • Average Balance > $1,500
  • 5 Bill Pay or ACH Transactions
  • E-Statements
  • Automatic FB&T Loan Payment
  • Additional Deposit Account (^)
Paper Statement Fee = $2.50
*Excludes ATM Transactions & POS Returns
†Additional account cannot be a Simple Checking Account
^Only 1 additional qualifier or e-statements
Paper Statement Fee = $2.50
*Excludes ATM Transactions & POS Returns
^Additional account cannot be a Rewards Checking Account
†Eligible with > 15 debit card transactions
*Excludes ATM Transactions & POS Returns
^Additional account cannot be an Interest Checking Account

 

 

Personal Savings Accounts

 Regular Savings Regular Money Market First Choice Money Market Diapers to Diplomas
  • Variable rate interest bearing account
  • $100.00 minimum to open
  • 3 free withdrawals per month ($1.00 fee per withdrawal after 3)
  • Average daily balance below $100.00 incurs $3.00 fee 
  • Variable rate interest bearing account$1,500.00 minimum to open
  • 6 withdrawals allowed per month (3 free withdrawals, $2.00 per withdrawal after 3)
  • Balance below $1,500.00– $3.00 fee and interest reverts to Regular savings rate 
  • Variable rate interest bearing account $25,000.00 minimum to open
  • 1 free withdrawal per month ($15.00 per withdrawal after 1, up to 6 per month)
  • Balance below $25,000.00 – Interest reverts to Regular Money Market rate 
  • Available to minors only – matures at age 18
  • Variable rate interest bearing account
    $100.00 minimum to open
  • $25.00 early withdrawal penalty and loss of 90 days interest 

  

 

Certificates of Deposit

  • Various interest rates and terms available
  • Relationship pricing and rate bump features
  • $1,500 minimum to open.

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