If you are looking for a checking account that gives you more services and benefits and has a low service charge, look to First Bank and Trust Company. We have a wide variety of accounts, with one that’s sure to fit your life perfectly. You’ll also find checking accounts that pay interest on your account. In addition to our checking accounts, we offer many convenient checking services, too.
Thrift Account
Pay as you go checking
This checking account is for customers who write a minimum number of checks each month.
• Low $200 minimum ledger balance
• Low $2.00 monthly fee if balance falls below minimum
• Low $.25 per withdrawal
• Your canceled checks are included
in our easy to read statement
• Free ATM Card*
• Checking Plus overdraft protection ask for details**
Regular Checking Account
Our Full Service Checking Account
Our traditional checking account offers exceptional value.
• Low $200 minimum ledger balance
• Low $5 monthly fee if balance falls below minimum
• No per check charge
• Your canceled checks are included in our easy to read statement
• Free ATM Card*
• Checking Plus overdraft protection ask for details**
• Minimum balance waived for students under age 22
The First Flight Club
A Complete Package
This checking account is a complete financial, insurance, travel discount and special service package.
• No minimum balance
• Low monthly fee of $8
• No per check charge
• Free First Flight Club wallet style checks
• Accidental death insurance
(Family coverage an additional $2)
• Nationwide discount travel program
• Free Sojourns magazine subscription
• Free ATM Card*
• VISA® Check Card**
• Credit card protection
• Key ring protection
• Free VISA® Travelers Checks
• Personal I.D. Card
The President's Club
An Outstanding Financial Package
Smart financial package that rewards our loyal customers who maintain higher balances. To earn our top of the line account, you must maintain a combined average ledger balance of over $5,000 in any deposit account or Certificate of Deposit.
• Earn interest on available balances
• Low monthly fee of $10 if balances are not maintained. This fee is waived for the first three months for a new account.
• No per check charge
• Free President’s Club wallet style checks
• Your canceled checks are included in our easy to read statement
• Free ATM Card*
• Free VISA® Check Card**
• Checking Plus overdraft protection, ask for details**
• Add on all the benefits of the First Flight Club for the low monthly fee of $8 (Family coverage an additional $2)
The First Classic Account
A Special Account for Our Customers 50 and Better
An exclusive checking program for our customers who have celebrated 50 birthdays or more.
• Earn interest on available balances
• No minimum balance
• No service charge
• No per check charge
• Free First Classic wallet style checks
• Your canceled checks are included in our easy to read statement
• Free ATM Card*
• Free VISA® Check Card**
• Checking Plus overdraft protection, ask for details**
• Add on all the benefits of the First Flight Club for the low monthly fee of $8 (Family coverage an additional $2)
Now Account
Unlimited check writing and interest
Earn interest on your checking funds with this great account.
• Earn interest on available balances
• Maintain minimum ledger balance of $1,000 to earn interest
• Only a $5 fee if ledger balance falls below minimum of $1,000
• No per check charge
• Your canceled checks are included in our easy to read statement
• Free ATM Card*
• VISA® Check Card**
• Checking Plus overdraft protection, ask for details**
• Add on all the benefits of the First Flight Club for the low monthly fee of $8 (Family coverage an additional $2)
Checking Plus
Never be embarrassed by an overdraft again. Let us furnish you with a line of credit to cover those unexpected emergencies, or those spur of the moment purchases.
Checking Plus is an excellent value. There is no annual fee for lines of credit that are $2500 or more. (Lines of credit less than $2500 will be charged an annual fee of $25.) Once your Checking Plus line of credit is activated, an annual percentage rate of 18% will be charged on the outstanding balance.
A payment of 10% of your outstanding balance or a minimum of $10 will be automatically deducted from your checking account each month on the day the statement is printed.
Advances from your Checking Plus line of credit are made in increments of $250 or the balance remaining on your line of credit, whichever is less.
To activate, it’s as simple as writing a check or using your VISA® check card. You will always have peace of mind with a Checking Plus line of credit to cover those unexpected expenses.
FREE! with all checking accounts
All of our personal checking accounts offer the following benefits free:
• Direct Deposit of Social Security checks
• Systematic savings transfers to your savings, money market or IRA accounts
• Automatic payments on installment loans
Contact bank for further details.
* Use any ATM not owned by the First Bank and Trust Company for the low fee of $1.50 per transaction (deposits excluded.)
** A credit application is required.
When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may ask to see your driver’s license or other identifying documents.
We proudly support all efforts to protect and maintain the security of our customers and our country.
