Personal Banking

At First Bank & Trust Co. we want your banking experience to be easy and convenient. That’s why we designed accounts with your individual needs in mind. You get more than a few choices, giving you the combination of power and flexibility to achieve your financial goals while maintaining easy access to your accounts.

Checking

With a wide variety of convenient checking accounts, we make sure banking won’t interrupt your life. Whether you select free checking or one of our other checking packages, you can have access to many timesaving, as well as money-saving features, including:

  • 4 conveniently located Automated Teller Machines (ATMs) in Wagoner, 3 in Luther
  • Free ATM transactions at any First Bank & Trust Co. location
  • Visa Check Card – Looks like a credit card, but works like a check
  • ATM Card
  • FBT Online Banking
  • FBT BillPay
  • First Access Line - 24-hour automated account information and funds transfers from the convenience of your telephone
  • Overdraft privileges (discretionary)

Free Checking

A First Bank & Trust Co. checking account free of monthly account fees!

  • $50 minimum opening deposit
  • No minimum balance requirement, monthly service charge or transaction fees

    • (VISA Check Card not available on this account.)

Regular Checking

For the customer who wants unlimited check writing privileges with a low minimum balance requirement.

  • $100 minimum opening deposit
  • No monthly service charge or transaction fees if account maintains a $500 minimum daily balance
  • If balance is below $500
    • $10 monthly service charge
    • $0.10 per withdrawal beginning with the 31st withdrawal per monthly statement cycle

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The Club Checking Account

Our premium account that saves you money and buys you more than any other checking account. The Club gives you a complete package of services not found in most checking accounts, all for a low monthly fee of $7.00.

  • $100 minimum opening deposit
  • No minimum balance requirement or transaction fees
  • Discount on basic club checks
  • No fee for travelers checks, cashiers checks, money orders and notary service

Security Advantages

  • $10,000 Accidental Death and Dismemberment Insurance
  • $20,000 Accidental Death and Dismemberment Insurance when traveling on a scheduled airline
  • Credit Card Protection Service – One toll-free, 24-hour number to report lost or stolen cards.
  • Key ring protection
  • Increase your coverage and add your family for an additional $3 per month

Money Saving Discounts

  • Nationwide Discount Program – Save 50% at over 1,200 participating lodging properties from coast to coast. Plus, you’ll find discount offers from theme parks and car rental companies.
  • Members Only Magazine Subscription – Your free semi-annual copy brings travel discounts to help you plan and save.

Senior Checking

A special for our distinguished customers over 62. It’s simple, straightforward, and designed to save you time and money.

  • $100 minimum opening deposit
  • No minimum balance requirement, monthly service charge or transaction fees
  • Free select personal checks

Student Checking

The ultimate in flexibility and convenience for students. This account allows parents to easily and conveniently get cash to their child, while allowing the child to access funds to meet daily expenses and spending needs. (ODP is not available.)

  • $100 minimum opening deposit
  • No minimum balance requirement, monthly service charge or transaction fees
  • Free basic checks

NOW Checking

This account combines the best features of a checking and savings account, earning interest on a minimum daily balance.

  • $1,000 minimum opening balance
  • Minimum collected balance for interest to accrue is $500
  • No monthly service charge or transaction fees if account maintains a $1,000 minimum balance
  • If balance drops below $1,000
    • $7.50 monthly service charge
    • $0.10 per withdrawal beginning with the 31st withdrawal per monthly statement cycle
  • If balance drops below $500
    • $10.00 monthly service charge
    • $0.10 per withdrawal beginning with the 31st withdrawal per monthly statement cycle
  • Interest is compounded and credited to your account every month

NOW Plus Checking

Do you generally keep a higher balance? If so, you can earn a higher interest rate.

  • $2,500 minimum opening balance
  • Minimum collected balance for interest to accrue is $1,000
  • No monthly service charge or transaction fees if account maintains a $2,500 minimum balance
  • If balance drops below $2,500
    • $7.50 monthly service charge
    • $0.10 per withdrawal beginning with the 31st withdrawal per monthly statement cycle
  • If balance drops below $1,000
    • $10.00 monthly service charge
    • $0.10 per withdrawal beginning with the 31st withdrawal per monthly statement cycle
  • Interest is compounded and credited to your account every month

Money Market Account

For those of you who are interested in a little higher return on your deposit and plan to have fewer transactions, the Money Market account will be just right for you.

  • $2,500 minimum opening balance
  • Minimum collected balance for interest to accrue is $1,000
  • No monthly service charge or transaction fees if account maintains a $2,500 minimum balance
  • $15 monthly service charge if balance drops below $2,500
  • Limited to six transactions per statement cycle
  • Interest is compounded and credited to your account every month

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Savings & Certificates of Deposit

Pay yourself first. It is still the most sound investment strategy – and so simple! Whether you are saving for a major life event or just a rainy day, you’ll enjoy greater convenience, variety and higher rates at First Bank & Trust Co..

Savings Account

A personal savings account is the ideal way to set aside money for a special purpose or the unexpected. It’s also a great way to accumulate funds for a higher-yield investment. Start saving for your future with the ease of a regular deposit program. We can help you set it up.

  • $100 minimum opening balance
  • No monthly service charge if account maintains a $100 minimum balance
  • Interest is compounded and credited to your account quarterly
  • $2.00 monthly service charge if balance falls below $100
  • $2.00 transaction charge for each withdrawal in excess of 2 per month

Minor Savings Account

Teach your child the importance of saving money, not just spending it. The minor savings account, designed for people 18 and under, helps you save for important goals by offering the same rate as our regular savings account.

  • $25 minimum opening balance
  • No monthly service charge if account maintains a $25 minimum balance
  • Interest is compounded and credited to your account quarterly
  • $2.00 monthly service charge if balance falls below $25
  • $2.00 transaction charge for each withdrawal in excess of 2 per month

Christmas Club Account

Open this smart account in mid-November and you will earn 50 weeks of variable rate interest just in time for next years’ Christmas shopping. You determine the contribution amount and can add the convenience of an automatic transfer to help meet your goal.

Certificates of Deposit

Want to earn a higher interest rate? You can when you make a commitment to leave the money in the account for a set period of time. First Bank & Trust Co. offers a wide range of maturities and yields to meet your financial objectives. With full FDIC insurance up to $100,000, your First Bank & Trust Co. certificate of deposit gives you the maximum security possible.

  • $2,500 minimum deposit to open account
  • Maturity terms available from 6 months to 4 years
  • Fixed interest rate on daily balance until maturity
  • 10 day grace period following automatic renewal
  • Your choice how to receive your interest payments – accumulate with the CD or automatically deposit to your First Bank & Trust Co. checking, savings, or money market account quarterly
  • Withdrawals prior to maturity are subject to an early withdrawal penalty

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Individual Retirement Accounts

With today’s active life styles, longer life spans, and declining support from Social Security and company pensions plans, the quality of your retirement will depend largely on you and the steps you take now. The tax deferred earning potential of an IRA makes it a wise choice for many investors at all income levels. And it’s never too early to begin planning for your child or your grandchild’s college education. First Bank & Trust Co. offers many ways to start saving today.

Traditional IRAs

Individuals under age 70½ who have earned income may contribute to a Traditional IRA. Contributions may be fully or partially tax deductible and you benefit from tax deferred investment growth.

Roth IRAs

A retirement plan in which contributions are made after tax in return for what may be a tax-free distribution at the time of the withdrawal.

Coverdell Education Savings Accounts

Tax-favored savings accounts created to help save for an individual’s education expenses – elementary, secondary, and higher education expenses. The growth of your money is tax deferred. Contributions are not tax deductible, but withdrawals are tax-free when used to pay for qualified education expenses.

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Lending Services

For over 100 years, First Bank & Trust Co. has provided the loans that have helped our customers meet life’s most important goals and build their financial futures. We offer a complete range of loan products while delivering professional and confidential customer service. Local loan decisions mean prompt friendly service.

Consumer Loans

Loans are available at terms you can manage. Whether you are remodeling your home, buying a car or consolidating debt, our lenders can help.

Vehicle Loans

Are you looking to buy a new or used car? At First Bank & Trust Co. you can get a loan to finance your purchase and up to five years to pay it off. We also offer motorcycle, boat, and recreational vehicle loans at attractive rates.