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First Bank & Trust Co. has policies and procedures put into place to help protect your privacy and your financial records, as well as protect the bank from fraudulent activity. Please read each and Contact Us  with any questions or concerns you may have.

Customer Policies and Disclosures

Electronic Funds Transfer Agreement

HMDA Mortgage Disclosure Act Notice

Identity Theft Information 

Overdraft Privilege Service Policy

Privacy Policy

USA Patriot Act Notice

To help the government fight the funding of terrorism and money laundering activities, the USA Patriot Act, a Federal law, requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account including business accounts. 

What this means for you: 

  • When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. 
  • We may also ask to see your driver's license or other identifying documents.  If you are opening an account for a business entity, documents relating to the business may also be requested.

We proudly support all efforts to protect and maintain the security of our customers and our country. 

Beneficial Ownership Regulation

Effective May 11, 2018, new rules under the Bank Secrecy Act will aid the government in the fight against crimes to evade financial measures designed to combat terrorism and other national security threats. 

EACH time an account is opened or revised for a covered Legal Entity, we are required to ask for identifying information (name, address, date of birth, social security number, as well as identification documents) for each individual that has beneficial ownership (25% or more) and one individual that has significant managerial control of the Legal Entity. 

If you are opening an account on behalf of a Legal Entity, you will be required to provide the appropriate documentation and certify that this information is true and accurate to the best of your knowledge.