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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 cardís 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*


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:

  • Main Branch
    111 South Main Street
    Atmore, Alabama 36502
  • 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. Thatís 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.

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Identity Theft Insurance

Your personal account security is our first priority at FNB&Trust. Thatís why weíre 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, stop unauthorized use and request replacement cards by calling 251-368-3148 or toll free at 1-877-575-2440

Identity Theft and Accidental Death Insurance are not a deposit, not FDIC insured, not insured by any Federal Government Agency, not guaranteed by the Bank and subject to a decrease in value.  


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.

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 arenít currently available in Excel.