Checking Accounts

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. We offer many convenient checking services, too.

Free with all checking accounts

All of our personal checking accounts offer the following benefits free:

  • Direct Deposit of Social Security checks
  • Standard transfers to your savings, money market or IRA accounts
  • Automatic payments on installment loans
  • Contact us for more information!

Thrift Account

Pay as you go checking

The perfect account if you only have a handful of withdrawls each month.

  • Low $200 minimum ledger balance
  • Low $2.00 monthly fee if balance falls below minimum
  • Low $.25 per withdrawal
Learn More

Regular Checking

Our full-service account.

Our traditional checking account offers exceptional value.

  • Low $200 minimum ledger balance
  • Low $5.00 monthly fee if balance falls below minimum
  • No per-check charges
Learn More

President's Club

Earn account rewards.

A smart package that rewards our loyal customers who maintain higher combined balances.

  • Earn interest on available balances
  • Low $10 monthly fee if balances are maintained
  • No per-check charges
  • Check images included on statement
Learn More

First Flight Club

The complete package.

Sign up for our complete financial, insurance, and travel discount package

  • No minimum balance
  • Low $8.00 monthly fee
  • No per-check charges
  • Free First Flight Club wallet style checks
Learn More

First Classic Account

For customers age 50+.

An exclusive checking program for our customers who are 50 and better.

  • Earn interest on available balances
  • No minimum balance
  • No service charge
  • No per-check charges
  • Free First Classic wallet style checks
Learn More

Now Account

Unlimited check writing & 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
Learn More

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.


Learn More

* 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.

On September 11, 2001, our lives changed forever. In an effort to protect you and our country, the USA PATRIOT Act was signed into law. To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account.

When you open an account, we will ask for your name, address, date of birth, social security number and other information that will allow us to identify you. We will ask to see your driver’s license and other identifying documents. We proudly support all efforts to protect and maintain the security of our customers and our country.