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Personal Checking 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.

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Personal Checking Accounts

Personal Savings Accounts 

Certificates of Deposits 

Payroll Direct Deposit

 Regular  First Choice CD
  • No minimum deposit to open
  • No service charge
  • Unlimited check writing
  • No minimum balance to maintain
  • 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- $3.00 fee
  •  $1,500.00 minimum deposit
  • Unlimited deposits
  • Single maturity
  • Early withdrawal penalty
 Regular  Regular Money Market  7 Month CD Special
  • $100.00 minimum to open
  • Balance below $100.00 – $7.50 fee, plus $0.15 per transaction
  • Free for students and over-65
  •  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
  • $5,000.00 minimum deposit
  • Single maturity
  • Early withdrawal penalty
First Choice  First Choice Money Market  13 Month CD Special
  • $100.00 minimum to open
  • Unlimited check writing
  • Free Safe Deposit Box (3 x 5)
  • $7.00 charge per month
  •  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
  • $5,000.00 minimum deposit
  • Single maturity
  • Early withdrawal penalty
 First Choice / NOW  Diapers to Diplomas  Second Chance CD (36 mo)
  •  Variable rate interest bearing account
  • Unlimited check writing
  • $750.00 minimum to open
  • Balance below $750 – 
    $7.50 fee, plus $0.15 per transaction
  • 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 interes
  • $1,500.00 minimum deposit
  • Bump Rate once during term
  • Single maturity
  • Early withdrawal penalty
Various interest rates and terms are available
First Choice/Club 50
  •  Available to customers age 50 and over
  • Variable rate interest bearing account
  • $100.00 minimum to open
  • 1-year free Safe Deposit Box (3 x 5)
  • Balance below $100.00 - $7.50 fee
   

Insufficient Funds and Overdraft Policy