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Accounts

For most people, a bank account is probably the most basic, frequently used financial service.

We will work with you to help select the account best suited to your financial situation and lifestyle. No matter what type of account you need, be assured they are all designed for total ease and convenience.

First Free Checking

Requirements:

• Minimum Balance to Open--$100.

Benefits:

• Truncated Monthly Statements.
• (Checks and images not returned with statement)
• No monthly service/maintenance fee
• Unlimited check writing.
• ATM/Debit Card available.

First Checking

Requirements:

• Minimum balance to open--$100.

Benefits:

• Unlimited check writing.
• Check images included with statement.
• ATM/Debit Card available.

Personal Checking

Requirements:

• Minimum balance to open--$100.

Benefits:

• Check images included with statement.
• ATM/Debit card available.

First Senior Checking

Requirements:

• Minimum balance to open--$100.
• Must be 55+ at time of account opening.

Benefits:

• No monthly service charge.
• Check images included with statement.
• Free cashiers checks, money orders, travelers checks, notary service, and ATM/Debit card.
• No minimum balance required.
• Unlimited check writing.

NOW Accounts

Requirements:

• Minimum balance to open--$1,500.
• Minimum balance to earn interest--$1,500.

Benefits:

• Interest accrued daily and paid monthly to account.
• Interest rate tiered.
• First tier--$1,500 to $2,499.99, interest paid at base rate.
• Second tier--$2,500 to $4,999.99, interest paid at base rate plus .25%.
• Third tier--$5,000 and above, interest paid at base rate plus .50%.
• ATM/Debit Card available ($1 per card per month).

First Money Fund

Requirements:

• Minimum balance to open $2,500.
• Minimum balance to earn interest--$2,500.

Benefits:

• Interest accrued daily and paid monthly to account.
• Check images returned with statement.

Savings Account

Requirements:

• Minimum balance to open--$100.
• No minimum balance for minors under age 18.

Benefits:

• Interest accrued daily and paid quarterly to account.
• No service charge for minors under age 18.

Certificates of Deposit

Requirements:

• Minimum balance to open--$500.

Benefits:

• Insured by the F.D.I.C.
• Interest bearing time deposit which can be tailored to meet your needs.
• Interest can be paid monthly, quarterly, or yearly and paid to you by check, compounded to certificate of deposit, or paid to another account.
• Term of deposit can be from three (3) months to five (5) years.
• Contact our new accounts department to inquire about current rates.

Commercial Checking

Requirements:

• Minimum to open--$100

First Bank and Trust Company is participating in the FDIC's Transaction Account Guarantee Program.  Under that program, through June 30, 2010, all non-interest bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account.  Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC's general deposit insurance rules.