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FNB&T Personal Scholarship


Mutual Funds

As part of our investment services we offer a full array of mutual funds to assist you in growing your assets. We can customize your portfolio to match your goals. Give us a call today at 251-368-3148 in Atmore or 251-765-9020 in Excel.

  • Not a Deposit
  • Not FDIC-Insured
  • Not Insured by any Federal Government Agency
  • Not guaranteed by the Bank
  • Subject to a decrease in value

Tax Sheltered Retirement Plans

As a business owner, the decisions you make about your company’s retirement plans will have far-reaching effects. With the help of First National Bank & Trust, you can secure your retirement future and provide retirement security for your employees. The most popular flexible retirement plan available is the Profit Sharing Plan. These plans offer generous tax benefits; Contributions are tax deductible; and contributions, income, and capital gains are tax-deferred while invested in the plan.

Individual Retirement Accounts (IRAs)

First National Bank & Trust’s Trust Department offers a variety of IRA plans to help you build up your retirement nest egg.
We encourage you to discuss your retirement plans with your investment broker/tax advisor. After deciding which product is best for you, please contact one of our new account representatives for further information.

Traditional IRA

This form of IRA allows you to contribute a certain dollar amount each year of your earned income for retirement purposes. The benefit of investing in a traditional IRA include: tax-deferred earnings, and for many people, tax deductibility. This account also accepts rollover deposits from either another IRA or from a qualified plan distribution.

Roth IRA

A Roth IRA allows only non-deductible contributions, but features federal income tax-free withdrawals for certain distribution reasons after a five-year holding period. To be eligible you must have compensation and your modified adjusted gross income cannot exceed certain limits.

Self-Directed IRA

The funds deposited to your IRA will be invested by our Trust Department according to certain strategies that are determined by your tolerance for risk. Stocks, bonds, mutual funds, or bank instruments are available to make up your portfolio. If you wish to self direct the investments in your IRA account our able staff is here to serve you.

Education Savings Account

Formerly known as education IRA’s this is a non-deductible account that features tax-free withdrawals for a very specific purpose – a child’s education expenses. Up to $2,000 per year may be contributed by any individual per child benefited.

For all IRA accounts different restrictions apply so be sure to discuss these plans in detail with our knowledgeable staff.

Simple IRA Plans

The Small Business Job Protection Act of 1996 created the Savings Incentive Match Plan for Employees of Small Employers, or SIMPLE. This plan allows sole proprietors or employers with 100 or less employees to establish a salary deferral plan that requires limited employer contributions. In addition there is no discrimination testing nor reporting as required with other deferral plans.

For more information please contact the Trust Department at First National Bank & Trust.

Trust Services

Creating and maintaining financial security for you and your family is what we do at First National Bank & Trust. Our Trust department has the experience and expertise you need to make the best decisions, both short term and long term, for you and your family. Let us work for you.

Estate Settlement

Being an executor of an estate involves a demanding set of tasks: safeguarding estate assets, paying debts, collecting sums owed to the decedent, accounting of all transactions, filing tax returns and distributing the estate.

We provide specialized skills in all phases of estate settlement. As your executor, we will be on hand when needed.

Personal Trust

Testamentary Trust-by leaving all or portions of your estate in trust, you can ensure your family’s financial security. As trustee, it is our duty to keep the trust principal safely and productively invested and insure your instructions are carried out in a timely and professional manner.

Living Trust

You establish a living trust to take effect during your lifetime for the benefit of yourself and/or another individual. You have access to the trust income and principal as needed. You can amend or revoke the trust, add or withdraw assets, and approve investment changes. The trust can continue after your lifetime for the benefit of others, and the trust assets avoid the costs, delay and publicity of probate. With First National Bank & Trust as your trustee, a living trust is a flexible planning tool that benefits your financially and gives you peace of mind.

Charitable Remainder Trust

You can set up a trust to pay an income for life to you or a family member. When the trust terminates, the property passes to the charity you designate in the trust.

Consider naming First National Bank & Trust as your trustee. We offer a full-time, professional staff, knowledgeable about taxes and investments, and accountable for every act. You can depend on us to look after your financial needs.

Agency and Custody Accounts

Agent for Investors:

This is a simple relationship in which you retain First National Bank & Trust to assume responsibility for certain specified duties regarding your investments. Formalities are at a minimum and the arrangement may be terminated at any time. You turn over to us the securities, cash or real estate of your choice and we will manage these assets according to your instructions in the agency agreement.

Custody Account:

We provide a complete administrative and custodial service that includes accounting, record keeping, and income collection, plus safekeeping facilities. There is no investment management or advice.

Not a deposit, Not FDIC Insured, Not insured by any Federal Government Agency, Not guaranteed by the Bank, Subject to decrease in value.