Skip Navigation Documents in Portable Document Format (PDF) require Adobe Acrobat Reader 5.0 or higher to view,download Adobe® Acrobat Reader.
Close Online Banking
A woman working in a cafe.

Your business success is important to us. That is why we try to provide all the financial tools you need to be prosperous. Take a look at these services we offer, and then come by one of our conveniently located Banking Centers to talk to a Financial Service Representative about what we can do for you!

Cash Management

  • Direct Deposit Payroll: Enter employee financial information once and just change the dollar amounts each time. If your payroll software creates a NACHA file, no entry is necessary, just upload the file each time.
  • Initiate debits/credits from any of your accounts at other institutions.
  • Enter and submit your own wires.
  • Enter recurring ACH batches and wires so only minimal entry is needed.
  • Allows for dual security which is encouraged.
  • Fees:
    $50.00 one-time setup fee
    ACH - $5.00 per batch plus $0.20 per item in the batch
    Wires - $5.00 each

Credit Card

  • To apply for a First Bank & Trust Co. Business Credit Card or to find out more information click here
  • If you already have a First Bank & Trust Co. Business Credit Card and would like to pay your bill online, click here
  • If your credit card is lost or stolen contact Elan directly at 866.234.4691.

Merchant Services

Offer your customers flexibility – allow them to pay by debit/credit card! Now you can process Visa, MasterCard, and Discover payments, therefore increasing your sales and revenue potential. Your discount rate is based on the estimated average ticket and transaction volume of your business so Contact Us today for a FREE quote.

  • $100 origination fee for account set-up, training, merchant booklets and materials, sales slips, and unlimited assistance.
  • $35 annual fee
  • FREE E-Statement: E-Statements are available by the third business day of each month for up to 18 month. Click here for your Merchant E-Statement Guide.

Audio Response Unit (ARU)

  • No equipment required (besides a touch-tone telephone)
  • Key in merchant and cardholder information using a touch-tone telephone
  • Sales drafts created at the time credit card authorizations are obtained
  • Items transacted before 6:00pm CST will be processed and deposited into the merchant’s account the following business day. 

Point of Sale (POS)

  • Requires a Point of Sale terminalMost favorable type of payment because the card is actually swiped through the terminal, reducing fraudulent charges and errors.
  • Merchant verifies the total of the batch (group of transactions) in the terminal, and then transmits the information to the bank.
  • Items transacted before 6:00pm CST will be processed and deposited into the merchant’s account the following business day. 

Seasonal Merchant Services

  • For seasonal businesses open four (4) months per year or less
  • $50 one-time account opening fee
  • $0 annual fee
  • Requires a Point of Sale terminal that can be leased
    • Landline and Wireless Terminals available
    • Leasing fees charged at the beginning of each lease term
  • Pricing is a variable rate.

Remote Deposit

Deposit checks directly into your account from your office. No more daily trips to the bank or waiting in line. Simply scan the checks, review and approve the information, then click send!

  • No charge for remote capture scanner
  • Check scanner captures the front and back for the check, including the MICR line information and dollar amount
  • Checks are summarized and an electronic deposit ticket is prepared for your review and approval
  • Speeds up the availability of funds, improving cash flow
  • Automates the process of creating deposit tickets
  • If you have numerous offices, all your deposits will be centralized at First Bank & Trust Co.

Checkmarc Check Recovery

  • FREE program for our commercial accounts. No equipment to purchase. No contracts, enrollment or per check fees.
  • Customer receives 100% of the face value on all recovered dishonored items.
  • Dishonored check writers are listed on the largest national negative database until funds are recovered.
  • Customer has access to our password- protected website allowing 24/7/365 viewing of checks.
  • Receive notification and collection reports via email.
  • Helps customer to avoid uncomfortable/embarrassing customer collection calls. Click here for more information. Already a customer? Login here
A man sits with a laptop on his lap in his living room .

Are you Enrolled?

E-Banker gives you access to your accounts 24-7. View transactions, schedule transfers and pay bills with ease.