CDARS®Program

First Bank & Trust Company is a participating bank in the CDARS® Program and is pleased to offer this safe, convenient solution for large-deposit investors.  The Certificate of Deposit Account Registry Service® (CDARS®) is the easiest and most convenient way to enjoy full FDIC insurance on deposit amounts larger than $250,000.  This program allows large deposits to be placed into smaller-denomination CD’s at multiple institutions.  Program benefits include the safety of FDIC insurance for deposits up to $1 million or more, CD interest, management convenience through a single relationship, and the security of working with the people you know and trust at FB&T.  By investing your money through the CDARS® Program, you can earn income, preserve capital, access FDIC insurance on your total deposit, and receive one consolidated statement.  Call to find out more about the benefits of CDARS®.