Online Banking

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IMPORTANT: Security Tips & Possible Scams
Cyber Security Alert

*Free tool! smsGuardian: Anti-fraud text alert service for credit and debit card transactions. Want a text message when your card is used for an out of state transaction, declined authorization, international transaction, your card’s not present, or an authorization greater than $300.00? Sign up for smsGuardian, now! Click on the Personal tab above, then scroll down and click on Debit Cards for detailed instructions! * Msg&Data rates may apply*


  • $10 maintenance fee for each cycle that the balance is below $2000 (Subject to activity level review)
  • Free Notary
  • No direct deposit requirement
  • Free Check Recovery Service – DoubleCheck
  • FREE First National Bank & Trust Debit Card (upon approval)
  • FREE Internet Banking
  • FREE e-Statements & e-Notices
  • Online Bill Pay – FREE when 3 payments per month are made using FNB&Trust’s Bill Pay Service
  • 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

Optional Features

  • Cash Management - $20 per month

    Remote Deposit Complete – (RDC)
    High Volume Remote Deposit Capture Solutions 


    The web (RDC) check image capture, storage, and processing solution enables FNB&T to provide commercial customers the ability to electronically deposit a wide variety of paper checks.

    Remote Deposit Complete (RDC) is the ideal remote deposit solution for commercial customers who have checks to deposit every day. Least–cost routing and speed of collection are optimized with this service.

    With a scanner attached to a Windows-based PC, commercial customers can utilize RDC to scan and deposit paper checks.

    For more information please contact a customer service representative at 251-368-3148 or 877-575-2440.