At First National Bank and Trust we realize that banking is an ever changing industry, and as a community bank we have made it a priority to adapt quickly. We are always striving to stay on top of the latest banking trends in this technology driven world we live in, and below are 10 different products and services we have invested in to provide you with an overall excellent banking experience.
1. Rewards Checking Accounts
Our checking accounts have it all - digital rewards, high interest, and more. All you have to do to earn your full rewards are a few simple things you're probably doing already, like using your debit card and receiving eStatements. You'll even earn our base interest rate in the event you don't qualify, and your account is still always free. If you qualify for your full rewards, you’ll also earn refunds on ATM fees nationwide (up to $25 per cycle). Qualifications and rules apply, click here for details and ask for KASASA® today.
2. Shazam® ATM network
All First National Bank and Trust clients can use the Shazam ATM network for free ATM withdrawals. Find all ATMs on the Shazam network here using the Privileged Status ATM locator.
3. Custom CD Rates
First National Bank and Trust offers competitive custom CD rates every day. Traditional CDs offer no risk investments that have guaranteed returns. Additionally, we offer CDtwo®, a next-gen CD that gives you options - including a bonus when you withdraw early and interest rates have declined. CDtwo is the same as a traditional CD, except without a standard early withdrawal penalty. Read more here.
4. Limited Fees
Rather than charge an arbitrary fee for services such as paper statements, we choose to have conversations with clients about their options and ensure that we are able to find a mutually beneficial solution for each client, as each of our clients is unique when it comes to their approach in managing their finances. First National Bank and Trust even offers checking account options that provide free sweeps to avoid overdrafts. Read more here.
5. Instant Issue Debit Cards
No one wants to wait 7-10 business days for their debit card so our new instant issue debit cards offer you instant gratification and the ability to begin accessing your funds immediately. You have the flexibility to stop by the bank to pick up a new card if yours is lost, stolen or compromised, eliminating the wait time for a new one to arrive in the mail. Qualifications may apply. Read more here.
6. Digital Wallets
Did you hear that digital wallets, also known as Apple Pay, Samsung Pay and Google Pay, are now available at First National Bank and Trust?! With digital wallets you can use your mobile devices to make payments at participating merchants vs. inserting or swiping your debit card. To learn more, read our latest blog here.
7. Digital Experience
Today's phones are more like Swiss army knives — with just one device you can make calls, take pictures, and, now, handle your banking. View balances, pay bills, and even deposit checks with just a few taps. Download our free mobile app to access your accounts anywhere you go. Read more here.
8. Online Account Opening
First National Bank and Trust now offers a simple way to open an account right from the comfort of your own home. We’ve found that couples trying to open a joint account use online account opening when it’s difficult for both individuals to visit the bank during regular business hours. We have outlined the process and answered some frequently asked questions about online account opening here.
9. Comprehensive Personal and Business Loans
In need of a loan? Look no further than First National Bank and Trust! We have a robust offering of both personal and business loan options to suit your needs. Give us a call to talk through your loan needs at (217) 935-2148, or review our options for personal loans here and business loans here.
10. Client Impact
Don't you love walking out of a business feeling appreciated and taken care of - like the company truly listened to your needs and helped you out? Our employees strive to go above and beyond for each client, ensuring they are offered the best overall banking experience possible. It is our goal to impact your life in a positive manner, whether it be with a piece of chocolate when you visit the branch or helping you navigate finances.