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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.
| *First Freedom | First Class |
First Class Plus
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First Rate | First Advantage | |
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| Minimum Initial Deposit | $100 | $100 | $100 | $100 | $100 |
| FREE Debit Card |  |
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| FREE E-Statements | |
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| FREE Mobile Banking | |
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| FREE Firstline (Bank by Phone) | |
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| Unlimited Transactions | |
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| FREE Paper Statements | |
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| Interest Bearing | |
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| 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, and Licensed Healthcare Professionals.