Checking

Money Management Tools That Fit Your Lifestyle

Paychecks in. Mortgage payments out. Monthly, weekly, quarterly expenses. No matter what your money management and cashflow challenges, we offer personal checking solutions that fit – interest-bearing, zero-fee and low-minimum balances.

  FREE Basic Checking FREE easyGROW Checking Premium Checking
Description Provides both economy and convenience, allowing you to add the features you want. A FREE high-yield account that offers ATM fee refunds when three qualifications are met each cycle.1 Provides interest and added benefits for the customer who has additional relationships with us or who maintains higher balances.
Minimum Balance $0 $0 $20,000 combined balance of personal loans and/or deposits
Monthly Service Charge None None $10 if your combined balance falls below $20,000
Interest None Yes - HIGH YIELD! Yes
ATM Withdrawals FREE3 FREE3 FREE3
Additional Features

Basic Checking

This account provides both economy and convenience, allowing you to add the features you want.

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easyGROW Checking

This free high-yield checking account rewards you with a great interest rate plus ATM fee refunds.

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Interest Checking

If you are looking for a low-cost account that pays interest, this is for you!

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Premium Checking

This account provides interest and added benefits for the customer who has additional relationships with us or who maintains higher balances.

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First Class / Heritage Club Checking

This account is specially designed for those ages 55 and over. Open your account and join the Club to access all the benefits.

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Debit Cards

Your First Bank & Trust Visa Debit Card is your ticket to convenience.

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1Annual Percentage Yield (APY) for an easyGROW Checking account is accurate as of 12/27/2012 and is subject to change. This is not a teaser rate. Minimum deposit to open is $100. For qualifying accounts, 1.01% APY will be paid on the portion of your balance up to and including $24,999.99, and 0.25% APY will be paid on the portion of your balance $25,000.00 and above during the qualification cycle. If you do not meet the requirements during the qualification cycle, 0.05% APY will be paid on your total balance for that statement cycle and you will not receive ATM fee refunds. easyGROW Checking is only available to residents of Iowa, Minnesota, Nebraska, North Dakota and South Dakota; limit one account per primary account holder.
3The owner of the ATM may charge an additional fee except at all MoneyPass® locations.
4Ask your account representative for information and fees on the programs available.

5We do not charge a fee for Online Banking or Mobile Banking. However, we do charge a fee for Mobile Deposit: $0.50 per check for deposits utilizing the Mobile App and $0.50 per deposit for deposits utilizing a flatbed scanner.