Online Banking

Bank with us online, 24/7


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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 NYCE ®, 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
  • Walgreens
    1504 S. Main Street
    Inside store walk up ATM

  • Excel Branch
    67 Highway 136E
    Excel, AL 36439

  • Walgreens
    1772 S. Alabama Avenue
    Inside store walk up ATM

Automatic Funds Transfer

Sometimes, even those folk who never exceed their bank account funds can make a mistake. That’s why FNB&Trust offers Automatic Funds Transfer. It works like this. If you happen to exceed the funds in 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.

Coin Counting

FNB&Trust customers may bring loose change to be counted and deposited into their account FREE of charge.  Non-FNB&Trust customers may bring loose change to be counted for a nominal fee.

Direct Deposit  

For a time-saving, worry-free way of having your payroll, pension, Social Security or other types of funds deposited directly to your account, sign up for Direct Deposit.

Click here to sign up to receive your Social Security payments through direct deposit.

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 Use access code AL856870 to log on and register.

Night Depository

After hour's deposits are a convenient and secure way to do your banking.  Zipper or locking deposit bags are available (Bag not required for use of night depository.  All locations accept envelope drops.).  Night depositories are available at all of our locations.

Notary Public and Signature Guarantee  

FNB&Trust customers can bring in your legal documents and we will certify your signature.

Prepaid Visa® Card

The FNB&Trust Prepaid Visa® Card is quick and easy to use, safer than cash and more flexible than gift certificates.  The FNB&Trust Prepaid Visa® Card is a prepaid card that can be used at millions of locations where Visa® cards are accepted, including retail stores and online merchants.  Because it is a prepaid card, spending is limited to the amount of money placed on the card by the purchaser.

The FNB&Trust Prepaid Visa® Card

  • Makes the perfect gift for any occasion
  • Great for online purchases by protecting your personal bank account information
  • Purchase amounts between $10 - $750
  • Replaceable if lost or stolen by calling 1-866-208-3282
  • Available at all FNB&Trust locations in Atmore and Excel
  • Check card balance at

The broad appeal of the FNB&Trust Prepaid Visa® Card makes them perfect for birthday, wedding and all your gift-giving occasions.  Plus, the card can be used just like debit cards on and offline.

To learn more or to purchase a card, please give us a call or visit one of our locations in Atmore or Excel.

Online access for account balance, transactions and register card at  Service fee of $4.95 per month following 12 consecutive months of inactivity will be applied to any remaining balance.  $15 fee will be assessed to replace a card that is damaged, lost, stolen, or to close the account and obtain a refund on the remaining balance.

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.

Wiring Services

Wire transfers are available for our customers outgoing and incoming, international & domestic. Please contact us for additional information and costs.