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First National Bank and Trust

Personal Checking

Total Access Checking

Includes:
  • $50 minimum opening deposit required
  • $10 Monthly Maintenance Fee
  • Single, Wallet Style checks-excluding specialty checks
  • No Minimum Balance Requirement
  • No Direct Deposit Requirement
  • Unlimited Check Writing
  • Itemized Statement with Check Images
  • 1 Cashiers Check per month- no charge
  • 1 Stop Payment per month- no charge
  • $15,000 Accidental Death Insurance Benefit*
  • Up to $10,000 Free Identity Theft Insurance*
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.
 
Additional Services Available for Total Access Customers:
  • eClubOnline.net
    • Key Tag Return
    • Health Savings Benefits
    • Travel and Entertainment benefits
    • Credit Card Registration
  • Overdraft privileges available - upon approval. Click Here for More Details
  • Notary Services-no additional charge
  • FNB&T MasterMoney Debit Card (upon approval) 
  • Unlimited use of FNB&T ATM's
  • Online Banking and Bill Pay - no additional charge
  • Mobile App at no additional charge
  • First Access Telephone Banking 24/7 - no additional charge
  • e-Statements and e-Notices -no additional charge

Simply Checking

Includes: 
  • $50 minimum opening deposit required
  • $5 Monthly Maintenance Fee if balance falls below $100 during the monthly statement cycle
  • No Direct Deposit Requirement
  • Itemized Monthly Statement with check images
  • $5,000 Identity Theft Insurance*
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.

Additional Services Available Simply Checking Customers:
  • Overdraft Privileges Available-upon approval. Click Here for More Details
  • FNB&T MasterMoney Debit Card (upon approval)
  • Unlimited Use of FNB&T ATM's
  • Online Banking -no additional charge
  • Mobile App-no additional charge
  • Bill Pay- no additional charge when 3 payments per month are made using iPay
  • First Access Telephone Banking 24/7 - no additional charge
  • Notary Services- no additional charge
  • e-Statements & e-Notices- no additional charge

Totally Free Senior Checking

For Seniors 55 years of age and older
Includes:
  • $50 minimum opening deposit required
  • No monthly Maintenance Fee
  • No Minimum Balance Requirement
  • No Direct Deposit Requirement
  • Unlimited Check Writing
  • Itemized Monthly Statement with Check Images
  • Single, wallet style checks for life of account (excludes Specialty Checks) at no additional charge 
  • $5,000 Identity Theft Insurance*
Accounts closed within 60 days of opening will be charged a $25 premature closing fee.
*Identity Theft Insurance is not a deposit, not FDIC insured, not insured by any Federal Government Agency, not guaranteed by the Bank, and subject to decrease in value.

Additional Services Available for Totally Free Senior Customers:
  • Overdraft Privileges Available - upon approval. Click Here for More Details
  • FNB&T MasterMoney Debit Card - upon approval
  • Unlimited use of FNB&T  ATM's
  • Online Banking - no additional charge
  • Mobile App- no additional charge
  • Bill Pay -no additional charge when 3 payments per month are made using iPay.
  • First Access Telephone Banking  24/7- no additional charge
  • Notary Services- no additional charge
  • e-Statements & e-Notices - no additional charge
 

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
  • Unlimited Check Writing
  • Monthly Statement with Check Images
  • $5,000 Identity Theft Insurance*
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.

Additional Services Available for NOW Customers:
  • Overdraft Privileges Available - upon approval. Click Here for More Details
  • FNB&T MasterMoney Debit Card - upon approval
  • Online Banking -no additional charge
  • Mobile App -no additional charge
  • Bill Pay-no additional charge when 3 payments per month are made using iPay
  • First Access Telephone Banking 24/7 at no additional charge
  • Unlimited use of FNB&T ATM's
  • e-Statements & e-Notices at no additional charge
  • Notary services at no additional charge


First National Bank & Trust Money Market Account

Includes: 
  • $10 Monthly Maintenance Fee if balance falls below $2000 during the statement cycle
  • 6 withdrawals per month*
  • No Direct Deposit Requirement
  • Itemized Monthly Statement with Check Images
  • $5,000 Identity Theft Insurance**
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.

Additional Services Available for Money Market Customers:
  • Overdraft Privileges Available - upon approval. Click Here for More Details
  • FNB&T MasterMoney Debit Card (upon approval)
  • Online Banking -no additional charge
  • Mobile App- no additional charge
  • Bill Pay- no additional charge when 3 payments per month are made using iPay
  • First Access Telephone Banking 24/7 -no additional charge
  • Unlimited use of FNB&T ATM's
  • e-Statement & e-Notices at no additional charge
  • Notary Services - no additional charge
 
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Credit Cards

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Commercial RDC

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