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First National Bank & Trust offers a series of simple checking accounts designed for every stage of your life. With easy yet safe access, these accounts make it simple to manage your money. We’re sure you’ll find a checking account option that is just right for you. Personal Checking

E-Access Checking           Apply Now!            

Click here for Frequently Asked Questions

Customers with E-Access checking will earn interest (prime minus 4) on their checking balance, regardless of balance amount, by meeting the following monthly requirements:
  • At least 1 direct deposit
  • 10 point of sale debit card transactions (excludes ATM withdrawals)
  • Agree to view statements online
  • Valid e-mail address
  • At least 1 Internet banking login
  • Consumer or sole proprietor customers only
  • $10 minimum opening deposit required
  • If 1-7 above aren’t met, interest will not be earned or paid
In addition, E-Access checking customers will receive the following:
  • No monthly fee
  • No minimum balance requirement
  • Free FNB&Trust MasterMoney ™ Debit Card (upon approval)
  • WebBanking@ FNBandT.com
    • Free Internet Banking
    • Online Bill Pay – Free for 90 days
  • Free First Access 24/7 Telephone Banking
  • Free Notary
  • First order single checks FREE
  • No fees applicable to Cashier’s Checks – a $5 value!
  • Unlimited use of First National Bank & Trust’s ATMs
  • Unlimited check writing
  • Overdraft privileges available - upon approval (click here for more details)
  • Accounts closed within 60 days of opening will be charged a $25 premature closing fee

Total Access Checking            Apply Now!

  • $10 minimum opening deposit required
  • 1/2 % CD rate increase
  • $15k Accidental Death Insurance Benefit
  • $5k Identity Theft Reimbursement Insurance Benefit
  • Walk in Pharmacy Discount Card
  • Eye Care and Eye Wear Discount Card
  • Car Rental Discounts
  • Key Ring Registration
  • Entertainment Savers Guide
  • Credit Card Registration
  • Grocery Coupon Book
  • MemberTravelSource.com
  • No Fees applicable to Cashier's Checks - a $5 value!
  • No Fees applicable to Visa Prepaid Debit Card – a $5 value!
  • Free Notary
  • Free Wallet Style Checks - Any Design
  • FREE First National Bank & Trust Debit Card (upon approval)
  • WebBanking@FNBandT.com
    • Free Internet Banking
    • Free Online Bill Pay
  • Free First Access Telephone Banking - 24/hours/day-7 days/week
  • No direct deposit requirement
  • Unlimited use of First National Bank & Trust's ATMs
  • Unlimited check writing
  • Free itemized monthly statement with check images
  • Overdraft privileges available - upon approval (click here for more details)
  • Accounts closed within 60 days of opening will be charged a $25 premature closing fee
  • All this for one flat monthly fee of only $10!

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Classic Checking            Apply Now!

  • $10 minimum opening deposit required
  • 1/2 % CD rate increase
  • No Fee applicable to Cashier’s Checks – a $5 value!
  • Free Notary
  • Free Wallet Style Checks - Any Design
  • FREE First National Bank & Trust Debit Card (upon approval)
  • WebBanking@FNBandT
    • Free Internet Banking
    • Online Bill Pay - FREE for 90 Days
  • Free First Access Telephone Banking - 24/hours/day-7 days/week
  • $10 minimum opening deposit required
  • No direct deposit requirement
  • Unlimited use of First National Bank & Trust's ATMs
  • Unlimited check writing
  • Free itemized monthly statement with check images
  • Overdraft privileges available - upon approval (click here for more details)
  • All the above for only $6 per month
  • Accounts closed within 60 days of opening will be charged a $25 premature closing fee

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Totally Free Checking            Apply Now!

  • No monthly service fee
  • $10 minimum opening deposit required
  • No direct deposit requirement
  • FREE First National Bank & Trust Debit Card (upon approval)
  • WebBanking@FNBandT
    • Free Internet Banking
    • Online Bill Pay – FREE for 90 days
  • Free First Access Telephone Banking – 24/hours/day-7 days/week
  • Unlimited use of First National Bank & Trust’s ATMs
  • Unlimited check writing
  • Free itemized monthly statement
  • Free Notary services
  • First order single checks FREE
  • Overdraft privileges available - upon approval (click here for more details)
  • Accounts closed within 60 days of opening will be charged a $25 premature closing fee

Optional Features

  • Cashiers Checks - $5.00 per check
  • Online Bill Pay - $5.00 per month
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Totally Free Checking – Student            Apply Now!

  • Same as above

Totally Free Checking – Senior Citizens            Apply Now!

  • Same as Totally Free Checking but includes:
  • Free wallet checks for life
  • Age requirement…55
  • Free check images included with monthly statement

First National Bank & Trust NOW Account            Apply Now!

  • $10 minimum opening deposit required
  • $10 Service Charge for each cycle balance that falls below $2000
  • Free Notary
  • No direct deposit requirement
  • FREE First National Bank & Trust Debit Card(upon approval)
  • WebBanking@FNBandT
    • Free Internet Banking
    • Online Bill Pay – FREE for 90 days
  • Free First Access Telephone Banking – 24/hours/day-7 days/week
  • Unlimited use of First National Bank & Trust’s ATMs
  • Unlimited check writing
  • Free itemized monthly statement with check images
  • Overdraft privileges available - upon approval (click here for more details)
  • Accounts closed within 60 days of opening will be charged a $25 premature closing fee
  • Applies to Now Club accounts as well
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First National Bank & Trust Prime Rate Money Market Account            Apply Now!

  • $10,000 minimum balance requirement
  • Interest Rate* = Prime minus 4% for balances of $50,000 and higher
  • Interest Rate* = Prime minus 5% for balances between $10,000 and $49,999
  • 6 withdrawals per month; 3 of which can be 3rd Party
  • Free Notary
  • Free Wallet Style Checks - Any Design
  • No direct deposit requirement
  • FREE First National Bank & Trust Debit Card (upon approval)
  • WebBanking@FNBandT
    • Free Internet Banking
    • Online Bill Pay – FREE for 90 days
  • Free First Access Telephone Banking – 24/hours/day-7 days/week
  • Free itemized monthly statement with check images
  • Overdraft privileges available - upon approval (click here for more details)
  • Accounts closed within 60 days of opening will be charged a $25 premature closing fee
*Rate is based on New York prime rate as published in the Wall Street Journal and may fluctuate based on market conditions.
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First National Bank & Trust Money Market Account            Apply Now!

  • $10 Service Charge for each cycle that the balance falls below $2000
  • Interest is earned based on current market rate
  • 6 withdrawals per month; 3 of which can be 3rd Party
  • Free Notary
  • Free Wallet Style Checks - Any Design
  • No direct deposit requirement
  • FREE First National Bank & Trust Debit Card (upon approval)
  • WebBanking@FNBandT
    • Free Internet Banking
    • Online Bill Pay – FREE for 90 days
  • Free First Access Telephone Banking – 24/hours/day-7 days/week
  • Free itemized monthly statement with check images
  • Overdraft privileges available - upon approval (click here for more details)
  • Accounts closed within 60 days of opening will be charged a $25 premature closing fee

Commercial Checking

First National Bank & Trust Commercial Checking Account

  • $10 Service Charge for each cycle that the balance is below $2000 (Subject to activity level review)
  • Free Notary
  • No direct deposit requirement
  • FREE First National Bank & Trust Debit Card (upon approval)
  • WebBanking@FNBandT
    • Free Internet Banking
    • Online Bill Pay – FREE for 90 days
  • Free First Access Telephone Banking – 24/hours/day-7 days/week
  • Unlimited use of First National Bank & Trust’s ATMs
  • Unlimited check writing
  • Free itemized monthly statement with check images
  • Overdraft privileges available - upon approval (click here for more details)
  • Accounts closed within 60 days of opening will be charged a $25 premature closing fee
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