Online Banking

Bank with us online, 24/7


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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*


Enjoy the convenience and security of FREE e-Statement & E-Notice delivery.  A friendly email lets you know when your statement and/or notice(s) are ready to view!

More Secure

  • No more worries about paper statements or notices being stolen from the mailbox or about your personal information being seen by unwelcomed eyes.
  • Less financial information in your mailbox reduces your risk of identity theft and paper related identity fraud.

More Convenient

  • Receive your monthly statements and notices sooner…up to 5 days sooner!
  • Online Banking stores up to 18 months of your notice and statement history including front and back of check images.
  • Sort check images by number, amount or date.
  • Reconcile statements directly within your e-Statement account.
  • Download your statements for storage on your personal computer.

To begin receiving FREE e-Statements & e-Notices, simply log in to your FNB&Trust Online Banking account and follow these simple steps.

    1. Click the "ES" tab
    2. Read and accept the terms and conditions
    3. Once enrolled, you will receive an email confirmation

Don’t have an Online Banking account already?  No problem!  Simply log on to and click the appropriate “enroll” link located on the left side of the site.  After you complete online enrollment, you will receive an email confirmation and further instructions to begin enjoying the benefits of Online Banking.

Questions?  Email us at, call toll free 1-877-575-2440 or drop by one of our convenient locations in Atmore or Excel.