Simple, Free Checking: FNBT Checking Accounts at First National Bank and Trust Company

You don't have to reinvent the wheel — and you don't have to add more spokes to your checking account. These FNBT checking accounts give you everything you need to steer your finances.

First National Bank & Trust Company offers two options for simple checking accounts: FNBT Checking and FNBT Checking Plus. These accounts come with free paper or eStatements, free check images, free debit card and more. Plus, with FNBT Checking, enjoy unlimited checking with no monthly service charge or minimum balance requirement. 

What are the perks of a FNBT Checking or FNBT Checking Plus account? 

  • Free paper or eStatement statements with images
  • Unlimited check writing (client purchases checks)

FNBT Checking

FNBT Checking is our basic free checking account that features: 

FNBT Checking Plus

FNBT Checking Plus is the next step up that features: 

  • Interest credited monthly
  • Maintain a $1,000 minimum daily balance to avoid the $5 monthly service charge
  • Images included with paper statements
  • Enjoy unlimited check writing (client purchases checks)
  • $1,000 minimum deposit to open
  • Free services include:

What is the difference between a FNBT Checking and FNBT Checking Plus account? 

The main difference between these two accounts is that FNBT Checking Plus is interest bearing with earnings credited monthly. FNBT Checking does not require a minimum balance where FNBT Checking Plus requires a $1,000 minimum balance to avoid a $5 monthly service charge.

To open a FNBT Checking account, a minimum deposit of $50 is required whereas a FNBT Checking Plus account requires a minimum deposit of $1,000.  

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What comes with FNBT Checking accounts? 

FNBT Checking accounts come with many perks including access to online and mobile banking, the choice between paper statements and eStatements, optional debit card and of course, checks! Learn more by clicking on the icons. 

What is required to open a FNBT Checking account?

  • Valid ID
  • Minimum deposit

How do I open a new checking account? 

If you’re interested in learning more about FNBT Checking or opening a FNBT Checking account at First National Bank and Trust Company, you can simply contact us via phone, emailLive Chat or in-person to get started.

DO MORE with your money at First National Bank and Trust Company

At First National Bank & Trust Company, we IGNITE PROSPERITY® by helping our clients do more with their money. Whether it’s saving a little extra cash each month or accomplishing a long-term strategy, our goal is to help you transform your financial life. Call and schedule an appointment today, one of our team members would love to help you do more with your money at First National Bank & Trust Company. First National Bank & Trust Company has locations in Illinois and Wisconsin. For more information visit or call 217-935-2148. #igniteprosperity