Checking

We have a family of checking packages that only a family can offer you! Look them over, we're sure you'll find one that's right for the way you bank, with value, benefits, and convenience you want. For our Overdraft Privilege Service Policy click here.

OPEN AN ACCOUNT

	*First Freedom	First Class	First Class Plus	First Rate	First Advantage
Minimum Initial Deposit	$100	$100	$100	$100	$100
FREE Debit Card
FREE E-Statements
FREE Mobile Banking
FREE Firstline (Bank by Phone)
Unlimited Transactions
FREE Paper Statements
Interest Bearing
Monthly Maintenance Fee	$0	$8.00	$0	$9.00	$12.00
Minimum Balance to Avoid Maintenance Fee	N/A	N/A	N/A	$1,500	$10,000 all accts.
Eligibility Requirements	N/A	N/A	For individuals aged 62 and older.	N/A	N/A

* A simplified account with no monthly fees when you enroll in E-Statements. A $2 monthly fee will apply for those who receive paper statements.

Note on interest-bearing accounts: Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest rates my change any time at the Bank’s discretion. For current interest rate information, contact First Bank & Trust Co.

SPECIALTY ACCOUNTS

FIRST HERO

This account is designed for the community heroes who sacrifice their well-being to educate, protect, and heal others. This includes: Active and Retired Military Personnel, Certified Law Enforcement, Firefighters, Licensed Educators, Licensed Healthcare Professionals, and Registered Farmers & Ranchers.

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HSA (HEALTH SAVINGS ACCOUNT) CHECKING

A Health Savings Account (HSA) is a special account owned by an individual where contributions to the account are to pay for current and future medical expenses. HSA’s are used in conjunction with a “High Deductible Health Plan” (HDHP).
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