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.

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Account Comparison

AccountMinimum Amount Needed to OpenMonthly FeeATM/Debit CardMonthly BenefitsInterest BasisInterest 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

 

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