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Personal Savings Accounts

At First Bank & Trust Co., we understand how important it is for families, singles, and children to start building a healthy nest egg. Your savings are critical to your financial future, and that's why we offer a wide range of options for all ages and stages of life so you can find the one (or two, or three) that fits you best.

*According to Federal Regulations concerning savings and MMDA accounts, there can be no more than six (6) preauthorized transfers and withdrawals to a third party or to another account of yours at the bank.

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.