If you are looking for a checking account that gives you more services and benefits and has a low service charge, look to First Bank and Trust Company.

We have a wide variety of accounts, with one that’s sure to fit your life perfectly. You’ll also find checking accounts that pay interest on your account. We offer many convenient checking services, too.

All of our personal checking accounts offer the following benefits free:

  • Direct Deposit of Social Security checks
  • Standard transfers to your savings, money market or IRA accounts
  • Automatic payments on installment loans

At a Glance

  Monthly Fee Minimum Balance Earn Interest
Regular Checking $5
(if below minimum balance)		 $200
Thrift Account $2
(if below minimum balance)		 $200
President's Club $10
(if below minimum balance)		 $5,000
First Flight Club $8 No
First Classic Account $0 No
Now Account $5
(if below minimum balance)		 $1,000

Accounts

Regular Checking
Our traditional checking account offers exceptional value.
Our full-service account.
  • Low $200 minimum ledger balance
  • Low $5 monthly fee if balance falls below minimum
  • No per check charge
  • Your check images are included in our easy to read statement
  • Minimum balance waived for students under age 22
  • VISA® Check Card
Thrift Account
The perfect account if you only have a handful of withdrawals each month.
Pay as you go checking.
  • Low $200 minimum ledger balance
  • Low $2.00 monthly fee if balance falls below minimum
  • Low $.25 per withdrawal
  • Your check images are included in our easy to read statement
  • VISA® Check Card
President’s Club
A smart package that rewards our loyal customers who maintain higher combined balances.
Earn account rewards.
  • Earn interest on available balances
  • Low monthly fee of $10 if balances are not maintained. Customers must maintain a combined average balance of over $5,000 in any deposit account or Certificate of Deposit. This fee is waived for the first three months for a new account.
  • No per check charge
  • Free President’s Club wallet style checks
  • Your check images are included in our easy to read statement
  • VISA® Check Card
First Flight Club
Sign up for our complete financial, insurance, and travel discount package.
The complete package.
  • No minimum balance
  • Low monthly fee of $8
  • No per check charge
  • Free First Flight Club wallet style checks
  • Accidental death insurance (Family coverage an additional $2)
  • Nationwide discount travel program
  • VISA® Check Card
  • Credit card protection
  • Your check images are included in our easy to read statement
  • Everyday Rebate Rewards
  • Savers Club Discount Offers
First Classic Account
An exclusive checking program for our customers who are 50 and better.
For customers age 50+.
  • Earn interest on available balances
  • No minimum balance
  • No service charge
  • No per check charge
  • Free First Classic wallet style checks
  • Your check images are included in our easy to read statement
  • Free VISA® Check Card
Now Account
Earn interest on your checking funds with this great account.
Unlimited check writing & interest.
  • Earn interest on available balances
  • Maintain minimum ledger balance of $1,000 to earn interest
  • Only a $5 fee if ledger balance falls below minimum of $1,000
  • No per check charge
  • Your check images are included in our easy to read statement
  • VISA® Check Card
Health Checking Account
For eligible individuals who are covered under a High Deductible Health Plan (additional eligibility requirements apply)
HSAs for individuals.
  • Variable rate
  • Higher rates for higher balances
  • Interest compounded monthly
  • Maintain minimum balances of $1,000.00 to obtain APY
  • $3.95 monthly service charge if ledger balance is less than $500 any day of the statement cycle
  • $30 setup fee at account opening
We're here to help.