Deposit Services

Opening Deposit Amount - Minimum deposit to open account

• Regular Checking - $100
• Ban Club Checking - $100
• Interest Checking - $1,000
• Ban Club Interest Checking - $1000
• Money Market Checking - $2,500

Minimum Balance - Minimum daily balance required for each account

• Regular Checking - $300
• Ban Club Checking - None
• Interest Checking - $1,000 daily minimum balance or $2,500 average daily ledger balance
• Ban Club Interest Checking - $1,000 daily minimum balance or $2,500 average daily ledger balance
• Money Market Checking - $2,500

Checks - Provided to customer at no charge

• Regular Checking - Temporary Checks
• Interest Checking - Temporary Checks
• Ban Club - Wallets
• Money Market Checking - Temporary Checks

Monthly Maintenance Fees - Monthly fees charged to accounts

• Regular Checking - $5.00 if the daily balance falls below the minimum balance requirement of $300 plus $.10 per debit
• Ban Club Checking - $5.00 and tiered fees
• Interest Checking - $5.00 if the daily balance falls below the minimum balance requirement of $1,000 or $2,500 average daily ledger balance plus $.10 per debit
• Ban Club Interest Checking - $5.00 if the daily balance falls below the minimum balance requirement of $1,000 or $2,500
• Money Market Checking - $5.00 if the daily balance falls below the minimum balance requirement of $2,500

ATM/Debit Cards

• No Annual Fee
• Issued upon Approval
•  No additional charge from First Bank & Trust when used for purchases

 

Other Services:

• Cashiers Checks
  • BanClub Customers - No Charge
  • Bank and Non-Bank Customers - $2.00 per check (Cash only purchase)
• Money Orders 
  • BanClub Customers - No Charge
  • Bank and Non-Bank Customers - $2.00 per check (Cash only purchase)
• Travelers Cheques
  • BanClub Customers - No Charge
  • Bank and Non-Bank Customers - 1% of Total Purchase
• Wire Transfers
  • $10  outgoing charge for all wires within the United States
  • $10 charge for incoming wires
• Notary Services
  • No Charge - must have a photo ID
• Collection Items
  • Incoming - No Charge
  • Outgoing - $25.00 per item
• Garnishment
  • $25.00 per account
• Deposit Bags
  • Zipper Bags - Free (Bank Customers only)
  • Locked Bags - Free (Bank Customers only)
• Stop Payment
  • $10.00 per Check
• Insufficient Funds
  • Paid or Returned - $20 per item
• Account Research
  • $10.00 per hour plus $1.00 per paper copy 
• Chargebacks
• No charge to Bank Customers