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First National Bank and Trust

Personal Checking

Total Access Checking

Includes:
  • $50 minimum opening deposit required
  • No Direct Deposit Requirement
  • $10 Monthly Maintenance Fee
  • $15,000 Accidental Death Insurance Benefit
  • Up to $10,000 Free Identity Theft Insurance
  • eClubOnline.net
    • Key Tag Return
    • Health Savings Benefits
    • Travel and Entertainment benefits
    • Credit Card Registration
  • 1 FREE stop payment and 1 FREE cashier's check each month
  • FREE Notary
  • FREE single, wallet style checks – Excludes Specialty Checks
  • FREE FNB&T MasterMoney Debit Card (upon approval)
  • Unlimited use of FNB&T ATM's
  • FREE Online Banking and iPay (Bill Pay)
  • FREE Mobile App
  • FREE First Access Telephone Banking 24/7
  • Unlimited check writing
  • FREE itemized monthly statement with check images
  • FREE e-statements & e-notices
  • Overdraft privileges available - upon approval
  • 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

Includes: 
  • $50 minimum opening deposit required
  • No Monthly Maintenance Fee
  • No Minimum Balance Requirement
  • No Direct Deposit Requirement
  • FREE $5,000 Identity Theft Insurance
  • FREE FNB&T MasterMoney Debit Card (upon approval)
  • Unlimited Use of FNB&T ATM's
  • FREE Online Banking
  • FREE Mobile App
  • FREE Online iPay (bill pay) when 3 payments per month are made using iPay
  • FREE First Access Telephone Banking 24/7
  • Unlimited Check Writing
  • FREE Itemized Monthly Statement with Check Images
  • FREE e-statements & e-notices
  • FREE first order of single wallet style checks, excludes specialty checks
  • FREE itemized monthly statement with check images
  • Overdraft privileges available - upon approval
  • Accounts closed within 60 days of opening will be charged a $25 premature closing fee
  • Identity Theft is 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)

Includes:
  • FREE single, wallet style checks for life (excludes Specialty Checks)
  • Age requirement - 55 years of age 
  • 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

 Includes: 
  • $50 minimum opening deposit required
  • $10 Monthly Maintenance Fee if balance falls below $2000 during the statement cycle
  • No Direct Deposit Requirement
  • FREE $5,000 Identity Theft Insurance
  • FREE FNB&T MasterMoney Debit Card (upon approval)
  • FREE Online Banking
  • FREE Mobile App
  • FREE Online iPay (bill pay) when 3 payments per month are made using iPay
  • FREE First Access Telephone Banking 24/7
  • Unlimited use of First National Bank & Trust's ATMs
  • Unlimited check writing
  • FREE itemized monthly statement with check images
  • FREE e-statements & e-notices
  • FREE Notary Service
  • Overdraft privileges available - upon approval
  • 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

Includes: 
  • $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 (upon approval)
  • FREE Online Banking
  • FREE Mobile App
  • FREE Online iPay (bill pay) when 3 payments per month are made using iPay
  • FREE First Access Telephone Banking 24/7
  • FREE itemized monthly statement with check images
  • FREE e-statements & e-notices
  • Overdraft privileges available - upon approval
  • 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.
 
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