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Merging the two charters under our corporate umbrella will allow operational efficiencies, as well as allow us to provide a more consistent customer experience.
The merger date is October 19, 2020.
You are likely not aware that there are multiple charters at First Bank & Trust, and may not even notice a merger has occurred. You should have received a letter with our updated privacy notice and an overview of what to expect for Digital Banking downtime and when logging in the first time after the merger.
Yes, our staff and locations will remain the same.
You can still conduct your banking in the same manner you do today.
The majority of account numbers will stay the same. However, there are just a few exceptions. These select customers will be notified of the change to their account number through a letter in September. Your routing number will not change.
No. You can continue to use the checks and deposit slips you already have.
Digital Banking will be impacted the weekend prior to the merger. Starting Friday evening, October 16, through Monday morning, October 19, there will be some downtime. You will be able to view transactions but will experience limited functionality during that time and will not have access to secure messaging. The first time you log in after the merger, you will be asked to accept our Terms and Conditions, even if you have done so previously. Also, some customers will need to reestablish their two-factor authentication, as well as alerts and other customization. Account names, Bill Pay payees, Mobile Deposit, electronic statements, and many other features will carry over. Please note, the first time you log in after conversion may take longer than normal while all the transaction data is loaded.
The majority of loan numbers will stay the same. However, there are just a few exceptions. These select customers will be notified of the change to their loan number through a letter in September.
No. Your interest rate will remain the same.
All branch locations will be closed on Saturday, October 17. The Call Center will be open 8 AM –noon on Saturday, October 17 and closed on Sunday, October 18. Digital Banking will have limited access starting Friday evening, October 16 through Monday morning, October 19. Mobile Deposit, Bill Pay, and internal/external transfers will not be available during this timeframe.
Yes, with the merger there will be minor updates requiring all customers to re-agree to the Terms and Conditions upon first log-in on/after October 19.
No. Unfortunately, you will need to set up your alert preferences again.
No. Unfortunately, you will need to set up your tags and notes again.
No. Unfortunately, you will need to set up additional profiles again.
To recover your log-in credentials, click “Forgot Username” on the Digital Banking log-in page. You will be asked to enter either your SSN, EIN, or TIN, along with your account number. Upon entering that information, a verification code will be sent via text to your mobile device. Enter the verification code. Upon completion, you will be prompted with your username as well as have the ability to reset your password.
Yes, all your nicknames will still be there. However, your accounts may appear in a different order than before. It’s easy to reorder them by clicking “Organize Accounts” and dragging them into the order you prefer.
No. Unfortunately, we are unable to convert that information.
Yes, if you are enrolled to receive electronic statements today, you will be able to see them online. Click any account name and then select “Documents.” Next, choose the account statement you want to view. Up to 18 months of statements will be available.
Current transaction history will be available. The first time you log in after conversion may take longer than normal while all the transaction data is loaded.
Scheduled payments will process normally.
We are not expecting any debit card impacts, but if ever your PIN doesn't work, ask the merchant to run the transaction as a credit or ask how to select credit as an option. A credit transaction is a signature transaction.
Yes, ATMs will be available as normal over conversion weekend.
No. There will be no interruption to your debit card service. Please continue to use your card as usual.
No, your card information will not need to be updated. 
No. Direct deposits and automatic payments, set up through ACH or debit card, will not change.
Yes. The date you receive your statement, either by mail or Digital Banking, will not change.
Yes. By having an account with First Bank & Trust, you may conduct business at any of our 22 locations in South Dakota and Minnesota. Find out more about our many locations.
All your sweeps will continue to function as they do today; no action is required on your part.
Yes. Your credit card account will not be impacted until your card naturally expires. At that time, you will receive a replacement/reissue card.

The Customer Service access will remain the same as it is today:

  • Consumer cardholders can call 800-558-3424.
  • Commercial cardholders can call 866-552-8855.
  • Online access is available at myaccountaccess.com.
No. Your payment due date will remain the same.
Your loan servicer will not change.
Yes. You don’t need to take any action, as your automatic payment will transfer with the system conversion.
Yes.
Yes, your Spending Habits information will transfer over.
Yes.  Prior to Friday, October 16, we recommend downloading your latest transactions to ensure you have a complete history.  On Monday, October 19, you may need to re-establish connection.