FAQ
  • Are First National Bank & Trust's deposit accounts FDIC insured?
  • How do I set up Direct Deposit of my payroll check?
  • Can I get information about my account by phone?
  • Can I do all of my banking with First National Bank & Trust?
  • Is there any interest on First National Bank & Trust's checking accounts?
  • How do I make a deposit to my account from a remote location?

Are First National Bank & Trust's deposit accounts FDIC insured?

NOTICE OF EXPIRATION OF THE TEMPORARY FULL FDIC INSURANCE COVERAGE FOR NONINTEREST-BEARING TRANSACTION ACCOUNTS

By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a depositor's accounts at an insured depository institution, including all noninterest-bearing transaction account, will be insured by the FDIC up to the standard maximum deposit insurance amount (250,000), for each deposit insurance ownership category.

For more information about FDIC insurance coverage of noninterest-bearing transaction accounts, visit http://www.fdic.gov/deposit/deposits/unlimited/expiration.html

How do I set up Direct Deposit of my payroll check?

After your First National Bank & Trust's checking application has been approved, you will receive First National Bank & Trust's routing and transit number and your account number. If your employer participates in a direct deposit program, simply provide this information to the human resources or payroll department at your company and your direct deposit will usually begin within 30 days.

Can I get information about my account by phone?

Yes! Account information is available with our Customer Service Representatives during business hours at any of our offices.

Can I do all of my banking with First National Bank & Trust?

Yes! Thanks to the convenience of Direct Deposit, ATMs, and the Visa checkcard, everyday banking activities can be performed from the comfort of home. Contact us with questions about your banking needs.

Is there any interest on First National Bank & Trust's checking accounts?

Yes! If you want a checking account that pays a market rate of interest, check out our Classic Checking Account or Classic Money Market Account.

How do I make a deposit to my account from a remote location?

You can do most of your banking by using direct deposit, ATMs, or ACH (Automated Clearing House) transactions. First National Bank & Trust also offers Personal Online Banking which allows you to transfer funds, pay bills, and check balances, among other things. Contact us for details on a method that's best for you.