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Personal Banking

Find The Personal Checking Account That's Right For You

Stay in charge of your finances with a personal checking account at First Bank and Trust Company. We offer a variety of checking account options that are sure to meet your unique needs and keep your finances secure. The best part—you can open your checking account instantly online. Explore our personal checking account options below.

Free Checking

Enjoy truly free checking with none of the monthly fees or endless lists of requirements. Our free checking account allows you to access your money, your way by providing you with free, 24/7 access to our industry leading digital banking tools - available online and on the go through the First Bank and Trust Company Mobile Banking app. 

Account Details:

  • Open an account with a $50 deposit
  • No monthly service charges
  • No minimum balance requirements
  • Unlimited transfers to other accounts

Features and Benefits:

Open a Checking Account Online

Open An Account Online in Minutes

Open Anywhere (Transparent)

Scan the code with your phone to get started!

Checking with Perks

Enjoy discounts on fuel, dining and shopping, plus access to roadside assistance and ID Theft Aid at your fingertips. Our Checking with Perks account is packed with these benefits and many more!

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Account Details:

  • Open an account with a $50 deposit
  • $5 monthly benefits charge
  • No minimum balance requirements
  • Unlimited transfers to other accounts

Features and Benefits:

Open a Checking Account Online

Open An Account Online in Minutes

Open Anywhere (Transparent)

Scan the code with your phone to get started!

View the Benefits Reference Guide

Insurance products are: NOT A DEPOSIT. NOT FDIC-INSURED. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT GUARANTEED BY THE BANK. See full terms and conditions at the bottom of this page.

Premier Checking with Perks

Enjoy peace of mind by having roadside assistance and ID Theft Aid at your fingertips, plus thousands of deals and discounts on food, shopping and fuel. Do you maintain a minimum monthly balance of $2,500 in your account? If so, the Premier Checking with Perks account is for you - and it's FREE!

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Details:

  • Open an account with $2,500
  • Maintain the $2,500 balance requirement to waive the monthly $5 fee for FirstPerks
  • Unlimited transfers to other accounts

Features and Benefits:

  • Online and Mobile Banking
  • Online Bill Pay
  • eStatements
  • Access to over 55,000 ATMs via the Allpoint Network
  • Telephone banking
  • Access to our industry-leading suite of digital banking tools
  • ID Theft Aid
  • Cell Phone Protection
  • Roadside Assistance
  • Local deals and discounts
  • Pharmacy, vision, and hearing discounts
  • BaZing Fuel - earn 10¢/gal for up to 20 gallons each month
  • $10,000 Travel Accidental Death Insurance - covers loss of life due to accident while traveling
  • BillShark - bill negotiation and subscription cancelling service
  • Earn interest on your Premier Checking with Perks account
Open a Checking Account Online

Open An Account Online in Minutes

Open Anywhere (Transparent)

Scan the code with your phone to get started!


View the Benefits Reference Guide

Insurance products are: NOT A DEPOSIT. NOT FDIC-INSURED. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT GUARANTEED BY THE BANK. See full terms and conditions at the bottom of this page.

Money Market Accounts

Our money market accounts are limited checking accounts that pay competitive interest on the funds deposited. Interest rates are tiered based upon the range of deposits.

Account Details:

  • Open an account with $2,500
  • Interest rates will be paid on the entire balance based on the applicable rate tier.
  • Earn competitive interest on balances of $1,500 or greater

Features and Benefits:

Open A Money Market Account Online

Open An Account Online in Minutes

Open Anywhere (Transparent)

Scan the code with your phone to get started!

First Expressions Designed Card
First Expressions

Customize Your First Bank and Trust Debit Card

Design your own First Bank and Trust debit card. You must be a First Bank and Trust Company customer with an active checking account and debit card to use this service. Customize your debit card by uploading one of your favorite photos (following the image guidelines) or choose from a wide selection of images in our online gallery.

Upload Your Image
Industry-Leading Digital Banking Tools

Online & Mobile Banking

Experience the best of both worlds, local service and digital convenience. Our digital banking experience provides free tools, secure access, and invaluable financial education, empowering you to manage your accounts with ease, regardless of where you are.

Enroll in Online Banking
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Card Rewards

We Reward You Just For Banking With Us

Use your First Bank and Trust Visa Debit Card for all of your everyday purchases. You will automatically earn one point for every four dollars spent in eligible card purchases. Simply enroll in digital banking to begin earning points towards your purchases.

Learn More About Card Rewards

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First Perks Terms and Conditions

1 Participating merchants on BaZing are not sponsors of the program, are subject to change without notice, may not be available in all regions, and may choose to limit deals. 2 Subject to the terms and conditions detailed in the Guide to Benefits. 3 Insurance products are: NOT A DEPOSIT. NOT FDIC-INSURED. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT GUARANTEED BY THE BANK. 4 Billshark, identity monitoring, and credit monitoring each require additional activation to begin. 5 You’ll receive a one-time activation reward of $0.10 per gallon when you activate BaZing Fuel. You’ll earn a monthly reward of $0.10 per gallon each month when you have 15 eligible debit card transactions post and settle during the Monthly Qualification Cycle (MQC), which is defined as the first day of the month through the last day of the month. Only transactions posted during the MQC will count towards the monthly reward for that MQC. The following activities do not count toward earning BaZing Fuel: ATM withdrawals, transfers between accounts, deposit or refund transactions. Transactions posted during the MQC greater than the monthly reward requirement will be stored to count towards a bonus reward of $0.10 per gallon. When you have 50 stored bonus transactions you will earn the bonus reward. You will continue to earn bonus rewards for every 50 stored bonus transactions accrued. If the required monthly reward transaction count is not met during the MQC, no transactions are counted for any reward during that MQC or the bonus reward. BaZing Fuel is limited to 20 gallons of fuel per purchase, per vehicle, or fraud limits placed by Shell and/or limits placed on your payment card by your financial institution, each of which may be lower. To activate, you will need to have online banking with your financial institution. Refer to the BaZing Fuel Terms and Conditions for full disclosures. BaZing Fuel offer may be changed at any time and without notice.

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