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Personal Checking

Checking Accounts Total Access Checking e-Access Checking Totally Free Checking FNB&Trust NOW Checking FNB&Trust Money Market Checking
Perfect if you want: A feature rich checking account with Free Internet Banking, Bill Pay, ADD Insurance, wallet checks and pharmacy/travel discounts with a small monthly fee Free checking that pays high interest for things you probably do anyway! A no-hassle, free checking account Earn interest with no withdrawal limits Checking account that earns interest like a CD but allows easy access to account funds.
Minimum to open: $50 $50 $50 $50 $50
Earn Interest: No Yes No Yes Yes
Debit Card: Yes-upon approval Yes-upon approval Yes-upon approval Yes-upon approval Yes-upon approval
Scorecard Debit Card Rewards Yes Yes Yes Yes Yes
Online Banking Yes Yes Yes Yes Yes
Bill Pay Yes Yes if 3 or more bills per month are paid Yes if 3 or more bills per month are paid Yes if 3 or more bills per month are paid Yes if 3 or more bills per month are paid
Monthly service charge Yes No No No - unless balance falls below $2000 No - unless balance falls below $2000

Checks

(excludes specialty)

Yes - wallet style No First order wallet style Yes - wallet style Yes - wallet style
Identity Theft Insurance Yes - up to $10,000 Yes - up to $5,000 Yes - up to $5,000 Yes - up to $5,000 Yes - up to $5,000
Account Features: Learn More Learn More Learn More Learn More Learn More

 

 

Total Access Checking            Apply Now!            Switch to FNB&Trust! 

  • $50 minimum opening deposit required
  • $15,000 Accidental Death Insurance Benefit
  • Up to $10,000 Free Identity Theft Insurance
  • Walk in Pharmacy Discount Card
  • Eye Care and Eye Wear Discount Card
  • Car Rental Discounts
  • Key Ring Registration
  • Entertainment Savers Guide
  • Credit Card Registration
  • Grocery Coupon Book
  • MemberTravelSource.com
  • 1 FREE stop payment and 1 FREE cashier's check each month
  • FREE Notary
  • FREE single, wallet style checks – Excludes Specialty Checks
  • FREE First National Bank & Trust Debit MasterCardsm (upon approval)
  • Automatically earn rewards points redeemable for merchandise and travel whenever you use your MasterMoney debit card and choose credit
  • FREE Internet Banking
  • FREE Online Bill Pay
  • FREE e-Statements & e-Notices
  • FREE First Access Telephone Banking - 24/hours/day-7 days/week
  • No direct deposit requirement
  • 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
  • All this for one flat monthly fee of only $10!

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.

e-Access Checking           Apply Now!

Click here for Frequently Asked Questions

Customers with e-Access checking will earn interest on their checking balance, regardless of the balance amount, by meeting the following monthly requirements.

  • At least 1 direct deposit per statement cycle*
  • 10 debit card transactions processed as a CREDIT per statement cycle (excludes ATM withdrawals)
  • Receive e-Statements (sign up via www.fnbandt.com and click the e-Statements button)
  • Valid e-mail address
  • At least 1 Internet banking login per statement cycle (www.fnbandt.com, upper left side)
  • Consumer or sole proprietor customers only
  • $50 minimum opening deposit required
  • If 1-7 above aren't met, minimal interest will be earned
  • Free $5000 Identity Theft Insurance

*Statement cycle/qualification period occurs from the 17th of the current month to the 16th of the following month.  If the 16th of the month falls on Saturday, Sunday, or a holiday, qualifications/requirements tracking will end the Friday or business day before.  Required transaction activity is tracked by posted items during this period.

In addition, e-Access checking customers will receive the following:

  • No monthly fee
  • No minimum balance requirement
  • FREE FNB&Trust Debit MasterCardsm (upon approval)
  • Automatically earn rewards points redeemable for merchandise and travel whenever you use your MasterMoney debit card and choose credit
  • 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 24/7 Telephone Banking
  • FREE Notary
  • FREE first order single, wallet style checks – Excludes Specialty Checks
  • Unlimited use of First National Bank & Trust's ATMs
  • Unlimited check writing
  • 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

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.

Totally Free Checking            Apply Now!

  • No monthly service fee
  • $50 minimum opening deposit required
  • No direct deposit requirement
  • FREE $5000 Identity Theft Insurance
  • FREE First National Bank & Trust Debit MasterCardsm (upon approval)
  • Automatically earn rewards points redeemable for merchandise and travel whenever you use your MasterMoney debit card and choose credit
  • 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
  • FREE Notary services
  • FREE first order of single, wallet style checks – Excludes Specialty Checks
  • 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

Totally Free Checking – Student            Apply Now!

  • Same as above

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.
 

Totally Free Checking – Senior Citizens            Apply Now!

  • Same as Totally Free Checking but includes:
  • FREE single, wallet style checks for life – Excludes Specialty Checks
  • Age requirement…55
  • FREE check images included with monthly statement

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.
 

First National Bank & Trust NOW Account            Apply Now!

  • $50 minimum opening deposit required
  • $10 maintenance fee for each cycle balance that falls below $2000
  • FREE Notary
  • No direct deposit requirement
  • FREE $5,000 Identity Theft Insurance
  • FREE First National Bank & Trust Debit MasterCardsm(upon approval)
  • Automatically earn rewards points redeemable for merchandise and travel whenever you use your MasterMoney debit card and choose credit
  • 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
  • Applies to Now Club accounts as well

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.

First National Bank & Trust Money Market Account            Apply Now!

  • $10 maintenance fee for each cycle that the balance falls below $2000
  • 6 withdrawals per month *
  • FREE Notary
  • FREE single, wallet style checks – Excludes Specialty Checks
  • No direct deposit requirement
  • FREE $5,000 Identity Theft Insurance
  • FREE First National Bank & Trust Debit MasterCard sm(upon approval)
  • Automatically earn rewards points redeemable for merchandise and travel whenever you use your MasterMoney debit card and choose credit
  • 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
  • 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

* Regulatory limit of six(6) withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, computer transfer, or by check, draft, debit card or similar order to a third party.

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.