Personal Checking Accounts
Find the Right Checking Account for You.
First Bank & Trust offers a variety of Personal Checking Accounts so that all of our customers may select the account that’s most suitable for their particular needs.
Enjoy the Perks
- Online Banking and Mobile Banking
- Online Check Images
- ATM/Debit Card
- ATM Reimbursements (FB&T never charges fees to use our proprietary ATMs and we waive up to 6 transaction fees per monthly statement to a maximum of $20)
|Account||Minimum Amount Needed to Open||Monthly Fee||ATM/Debit Card||Monthly Benefits||Interest Basis||Interest Bearing|
|Traditional||Any Amount||None: if minimum daily balance is $500 or more, or an average daily balance of $1,000 or more. Otherwise $8.||Yes||All checks, ACH and telephone transfers without charge.||N/A||No|
|Economy||Any Amount||$3||Yes||10 FREE withdrawals per month, then $0.50 each.||N/A||No|
|FB&T eChecking||Any Amount||None: if customer signs up for eStatements. Otherwise $5.||Yes||ACH and telephone transfers without charge.||N/A||No|
|College||Any Amount||None: account must be set up jointly with student & parent and parent must have another FB&T Transaction account with $1,000 or more.||Yes||All checks, ACH and telephone transfers without charge.||N/A||No|
|Senior||Any Amount||None (age 59 and older)||Yes||All checks, ACH and telephone transfers without charge.||N/A||No|
|Personal NOW||Any Amount||None if: minimum daily balance is $1,000 or more, or an average daily balance of $2,500 or more. Otherwise $9.||Yes||All checks, ACH and telephone transfers without charge.||Variable rate paid on daily collected balance||Monthly|
|Health Savings Account (HSA)||Any Amount||None||Yes||All checks, ACH and telephone transfers without charge.||Variable rate paid on daily collected balance $1,000 minimum - Higher rates above $50,000, $100,000 & $1,000,000 levels.||Monthly|