Checking & Savings

Consumer Checking & Savings Accounts

Checking

Find the account that is right for you! First National Bank & Trust Co. has a checking account to fit your specific needs. Each account has a unique package of financial services from which to choose. Click the Open Now button to get started now.

	FNBT 360	Hi-5	Advantage Green	First Gold Star	oneup
click logo to learn more
	Open Now	Open Now	Open Now	Open Now	Open Now
Free Smart-Phone App, FNBT Mobile	✅	✅	✅	✅	✅
Free 24 Hour Express Phone Banking	✅	✅	✅	✅	✅
Free Online Bill Pay	✅	✅	✅	✅	✅
Free ATM/Check Card	✅	✅	✅	✅	✅
Free Notary Service	✅	✅	✅	✅	✅
Free AutoSave Transfer Service	✅	✅	✅	✅	✅
Min Opening Balance	$100	$100	$100	$100	$100*
Identity Theft Protection	✅
Unlimited Check Writing	✅	✅	✅	✅	✅
Interest Bearing	Over 5K				✅***
Accidental Death and Dismemberment Insurance	30K**	10K**
Cell Phone Coverage	✅	✅
Travel Benefits	✅	✅
TicketXPress	✅	✅
Cash Back Rewards	✅	✅
Health Savings	✅	✅
Purchase Protection/Tax Prep	✅	✅
Free Personalized Checks	✅			One Box Annually
Free Money Orders/ Cashiers Checks	✅
Free Shredding Service	✅		Twice/Year	✅
Monthly SC Maintenance Fee	$10	$5	$0****	$0****	$0****
	Learn more	Learn more	Learn more	Learn more	Learn more

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FNBT 360 Checking

FNBT 360 Checking account has more rewards and benefits than we’ve ever offered at First National Bank & Trust Co! Powered by the all-new FNBT rewards website and smart-phone app, you’ll enjoy:

Features

• Accidental death and dismemberment insurance ($30,000 coverage provided by a third party affiliate company. These funds are not a deposit of the bank, not FDIC insured, not insured by any government agency, not guaranteed by the bank, and could go down in value.)
• Ultimate ID Program (Identity theft solutions)
• Cellular Care Coverage
• Travel benefits (full-service travel, cash back rewards)
• TicketXpress (big discounts on entertainment)
• Cash back rewards (from 3,000+ online merchants)
• Health savings (pharmacy, hearing, vision, dental)
• Consumer service (purchase protection, tax prep)
• Earn interest on large balances (over $5,000)
• Mobile banking (download FNBT Mobile)
• Online banking
• Unlimited check writing
• Free personalized checks (Topaz design)
• Free money orders
• Free cashier’s checks
• eStatements (or paper statements upon request)
• Discounts on bank fees (NSF)
• Free notary service
• No minimum balance
• Free shredding service
• $100.00 to open account
• $10.00 monthly SC Maintenance Fee

 

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Hi-5 Checking

Hi-5 Checking account puts entertainment and travel rewards plus cell phone insurance within reach for everybody. Powered by the all-new FNBT Rewards website and smart-phone app, you’ll enjoy:

Features

• Accidental death and dismemberment insurance ($10,000 coverage provided by a third party affiliate company. These funds are not a deposit of the bank, not FDIC insured, not insured by any government agency, not guaranteed by the bank, and could go down in value.)
• Cellular Care Coverage
• Travel benefits (full-service travel, cash back rewards)
• TicketXpress (big discounts on entertainment)
• Cash back rewards (from 3,000+ online merchants)
• Health savings (pharmacy, hearing, vision, dental)
• Consumer service (purchase protection, tax prep)
• Unlimited check writing
• eStatements (or paper statements upon request)
• No minimum balance
• $100.00 to open account
• $5.00 monthly SC Maintenance Fee

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OneUp Checking

The First National Bank & Trust’s free checking account aimed expressly at young people (ages 18-25) who want experience in managing money.

Features

• Adjustable interest*
• No monthly SC Maintenance Fee if you use your debit card 10 times per month. A $5 monthly SC Maintenance Fee is added if your account has less than 10 debit card transactions.
• No minimum balance required
• $50 opening bonus (Once the statement cycles after 180 days, the bonus will be added as interest to the account.)
• ATM fees waived. Your cash withdrawals from ATM’s owned by FNBT will not incur a fee.  In addition, for the One Up account,  ATM’s that are not owned by FNBT (foreign ATM) will automatically waive the foreign transaction fee also.  The owner of the ATM may charge you a fee.  This fee will be disclosed to you at the time of withdrawal from the ATM owner.
• Oops Protection! One insufficient fee (check or debit card) of $28 is waived per quarter, upon request. (Overdraft fees may apply to overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means. We reserve the right to refuse payment of an overdraft for you even though we have previously paid overdrafts on your account. Regardless of whether we pay or return the item, you will be charged a return item fee or overdraft fee. You have 30 days to repay the overdraft.)
• Money management ideas
• Credit-building options
• Debit card, any style
• E-statements required
• $100.00 to open account

*Ask an FNBT banker for terms and rates. 

 

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First Gold Star Checking

A checking account with no monthly fees exclusively for customers age 60 and older.

Features

• $100.00 to open account
• No monthly SC Maintenance Fee.*
• Unlimited check writing
• Monthly statement with check images
• No minimum balance
• Free shredding service
• One box of free personalized checks per year (Sky Blue design)

*No monthly fee should not imply that no fees could ever apply. For example, an overdraft fee could be charged if your account balance falls below zero.

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Super Now

Earn interest with our variable interest rate account. Ask for current rates.

Features

• $2,500 to open account.
• $2,500 minimum average balance required
  • If the average balance is less than $2,500, then a $5 SC (service charge) Balance Requirement Fee will be charged monthly
• 25 checks (items) and .15 cents per check afterward.
• Interest is calculated on a daily balance, credited, and compounded monthly.

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Money Market

You work hard to save and protect your money. So do we! Put your larger balances to work for you with this variable rate checking account. Ask your banker for current rates.

Features

• $2,500 to open account.
• $2,500 minimum average balance required.
  • If average balance is less than $2,500, rate changes to Super NOW rate then a $5 SC (service charge) Balance Requirement Fee will be charged monthly
• 6 withdrawals per month. 7 days advance notice may be required for withdrawal.

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Priority Money Market

You asked for more interest on larger balances, and now, it’s here! Just keep your eye on the $30,000 target.

Features

• $2,500 to open account.
• If average balance is less than $2,500, rate changes and a $5 Minimum Balance Fee applies.
• 6 free withdrawals per statement cycle; after that, each withdrawal is charged a $5 fee. 7 days advance notice may be required for withdrawal.
• Free eStatements or $3 monthly fee for paper statements

See FNBT banker for rates and terms. 

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Advantage Green

You’re budget-smart and earth friendly. You want better security and lower cost with no monthly SC Maintenance Fee.  Welcome to Advantage Green checking. 

When you choose the Advantage Green account, you can use FNBT Mobile and a debit card design of your choice. You’ll also receive secure online eStatements. You can write unlimited numbers of checks without additional fee, but you buy the checks. Simply provide a working email address to keep the monthly fee at $0.

• Shredding service. Advantage Green members receive a handy green shred bag. You can bring it into the bank twice a year and we’ll shred the contents for you.
• Advantage Green Lunch Bag. Get this handy, insulated lunch bag for people who don’t want to create additional landfill waste.
• No minimum balance required.
• eStatements required
• Unlimited check writing (you purchase the checks)
• $100 to open account

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Consumer Savings Account

At First National Bank & Trust we understand the importance of saving for the future and for unexpected emergencies. Whether you are just starting out or saving for something specific, we have a savings account to help you reach your goals!

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Star Savers Account **

Give your children hands-on experience with saving and budgeting money! We believe in teaching children money management skills they’ll use for a lifetime. This program makes saving fun and rewarding. 

Features

• $5.00 to open account
• For children under the age of 18
• $10.00 deposit to the account by First National Bank & Trust Co.**
• Free Star Savers t-shirt
• Other gifts for more money deposited
• Interest bearing*
• 6 free withdrawals per quarter ($2.00 each thereafter)

* If you close your interest bearing account, any interest accrued, but not yet paid, is forfeited. Interest is calculated on the daily balance, credited and compounded quarterly. 

** This is a variable rate account. The $10.00 deposit by FNBT is for minors under the age of 18 only.

or 405-224-2200

Member FDIC