Overdraft Privilege
Prevent the inconvenience and embarrassment of checks returned for insufficient funds with our Overdraft Privilege option. It’s a great money management tool, especially for someone who has a lot of deposit and withdrawal activity and a constantly changing balance. An overdraft fee of $30.00 per item will be imposed. This fee applies to overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. The total negative balance is due and payable upon demand with a maximum repayment period of 30 days. Contact us at 251-368-3148 or toll free at 1-877-577-2440 or stop by our office for further information.
First Access 24/7 Telephone Banking
Call 251-368-6666 or 1-866-922-3771
First National Bank & Trust’s First Access gives you quick and easy access to all of your accounts at any time of the day or night. Best of all, First Access 24/7 is FREE to all our customers! Rest assured that your financial information is always secure because access is by your personalized Customers I.D. and PIN. This convenient service allows you to:
- Make account balance inquiries
- Inquire about a check/debit that has been paid on your account
- Transfer funds between accounts
- Receive loan account information
- Plus many more features
The first time you call First Access 24/7 you will need to have your account number(s) and your social security number handy. Also be prepared to designate a four-digit personal identification number (PIN) for each account. You can use the same PIN number for all your accounts, or individual PIN numbers for each account, if account access is a concern. However, transfer accounts must have the same PIN number on both accounts. Make a note of your PIN. You will need it to make future inquiries.
24-Hour ATM Banking
The FNB&Trust ATM network is another way we provide you with convenient access to your money and account information. Get cash at any FNB&T ATM, as well as thousands of other machines worldwide through network affiliations with Pulse ®, Cirrus®, or Plus® systems.
FNB 24-Hour ATM Locations:
- North Branch
205 N. Main Street
Atmore, Alabama 36502
- South Branch
104 Lindberg Avenue
Atmore, Alabama 36502
- Excel
67 Highway 136E
Excel, AL 36439
- Main Branch
Walk Up ATM available during regular business hours
Safe Deposit Boxes
A safe deposit box from First National Bank & Trust provides security and peace of mind. Imagine what you would do if important papers or those items you consider irreplaceable, things with sentimental value, were stolen or destroyed in a fire or hurricane. With a safe deposit box from First National Bank & Trust, you can be sure your valuables will be safe and secure for only pennies a day. Box sizes vary and the annual fee is automatically deducted from your FNB&T checking account. For box availability, stop by or call us at 251-368-3148. Safe deposit boxes aren’t currently available in Excel.
Merchant Processing
In today’s fast-paced world, the ability to accept credit cards as a form of payment is critical. It’s an added convenience for your customers, but it can also help you increase sales. Your business can offer this service with First National Bank & Trust’s help.
Merchant processing allows your business to:
- Increase customer satisfaction
- Protect your business from possible fraud
- Ensure the safe and convenient deposit of bankcard transactions
- Reduce overhead by eliminating many of the accounting, collection and paperwork activities associated with cash and checks.
Give us a call today at 251-368-3148 or toll free 1-877-575-2440 for more information or to sign up
Automatic Funds Transfer
Sometimes, even those folk who never overdraw their bank account can make a mistake. That’s why FNB&Trust offers Automatic Funds Transfer. It works like this. If you happen to overdraw your account, we can automatically transfer funds from one of your other FNB&Trust savings or checking accounts to cover the overdraft.
Automatic Funds Transfer can save you from an embarrassing error and the expense of returned check fees that are charged by many merchants, in addition to bank charges. Apply at your nearest FNB&Trust office.
 checXchange ™ FREE check recovery for Merchants
Click here for Frenquently Asked Questions
A no-cost benefit for commercial customers, checXchange automatically collects your returned checks by electronic transfer. This is done through FNB&Trust’s partnership with Money Transfer Systems, the leader in electronic check recovery.
- Automatically increases your recovery of bad checks
- No forms to fill out or long term contract agreements
- No enrollment fees
- No equipment to purchase
- No changes to your existing FNB&Trust account
- No hidden charges
Cash Management Services for Business
FNB&Trust’s Cash Management can help your business maximize returns, simplify bank account reconciliation, improve productivity and increase the availability of funds – all you need to better manage your business finances.
- 24-hour online access to your account balances and transaction history
- Manage payroll by direct deposits into employee’s designated bank account
- Flexible payroll management including schedule and payment changes
- Disbursement services for more efficient payment to suppliers
Cash Management provides convenient solutions to meet your business needs – both today and in the future.
Identity Theft Insurance
Your personal account security is our first priority at FNB&Trust. That’s why we’re doing everything we can to keep your identity safe. As part of this action, we are providing the following to our consumer checking accounts:
- Up to $5000 of Identify Fraud
- Expense Reimbursement Coverage
- Total Access checking are covered up to $10,000
- Debit and credit card registry
- Cancel missing cards, stops unauthorized use and request replacement cards by visiting www.protectme247.com. Use access code AL856870 to log on and register.
 NEW MasterMoney Debit Card with Rewards!
Earning Rewards is easy! Simply use your FNB&Trust MasterMoney Card in a credit transaction. When you are asked to enter a PIN number or prompted to choose “credit” or “debit”, choose “credit” and sign. In some cases, you won’t need to sign a receipt, such as paying for gas at the pump. Just choose “credit” and you will receive the same benefits.
For every $2 you spend, you’ll earn one point to redeem for merchandise, travel and other REWARDS. In addition to earning valuable points, Rewards also gives you the protection of your signature in caes of disputed card charges and identify theft.
- Earn points for everyday purchases
- Over 600 brand-name merchandise awards
- We have an easy to use website for both merchandise and airline ticket redemption. Track and redeem your rewards at www.scorecardrewards.com.
- Redeem an award with as few as 2,000 points
- Shipping is FREE for merchandise redemptions
- Personal services are available for purchased and redeemed travel needs
- Monthly and seasonal merchandise specials
- “Experience” Awards for scuba lessons, hot air balloon rides or whitewater rafting
- Redeem for a cruise discount in our Rewards program and earn double points
Every dollar in qualifying transactions minus returns (“Net Purchases”) that account holders (“You”) purchase
with an eligible debit card account covered by this ScoreCard Program (“Program”) and that appears on your
statement during the Program period, earns You one (1) Bonus Point (“Point”) as provided for in these Program
rules (“Rules”). No Points are earned for fees, foreign transactions, currency conversion charges, transactions
authorized by pin, ATM withdrawals, or insurance charges posted to your account. Only signature authorized
transactions earn Bonus Points. Contact FNB&Trust for full details on eligibility dates.
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