Banking Sign In
Forgot Username Forgot Password New User Demo

Female hands holding piggy bank

Personal Banking Services

Deposit Accounts, Debit Cards and More!

Personal Checking

Personal Checking

ProductInterest BearingAccount DetailsAdditional Fees
First Checking No
  • No minimum balance
  • Unlimited Debits
  • No per check charge
  • No monthly service charge
  • Unlimited check writing
No monthly service fee
First Preferred Money Market Yes
  • Tiered Interest Rates
  • Max 6 debits per monthly statement cycle
  • $5.00/cycle if below minimum balance requirement
  • $5.00 fee for each debit in excess of 6 posted during monthly statement cycle
Home Advantage Checking No
  • No minimum balance
  • No per check charge
  • Free personalized checks (2 boxes/year)
  • Discount on safe deposit box rental
  • Waived issue charge for money orders or cashier’s checks
None
Rewards Checking No
  • No minimum balance
  • No per check charge
  • Must meet 3 of the below requirements per statement cycle:
    • Open or maintain savings account
    • Open or maintain CD account
    • One Auto Debit
    • One Auto Credit
    • Use your debit card for 10 purchases (POS) each statement cycle
  • E-statements
Paper Statement Fee
$5.35/cycle (if applicable)
NOW Checking Yes
  • Maintain minimum balance to earn 0.05% APY
  • Variable Interest Rate
  • $5.00/cycle if below minimum balance requirement
  • $0.20 for each debit in excess of 25 posted during monthly statement cycle
First Investors Yes
  • Tiered Interest Rates
  • Unlimited check writing
  • Free Personalized Checks (2 boxes annually)
  • Waived issue charge for money orders or cashier’s checks
  • Discount on safe deposit box rental
  • Discount on photocopies
$5.00/cycle if below minimum balance requirement

Banclub

ProductBasic PlanPersonal PlanFamily PlanAccount DetailsAdditional Fees
Banclub $7.00
Monthly Fee* 		$8.00
Monthly Fee* 		$9.00
Monthly Fee* 		*Can be attached to First Checking, NOW Checking & First Investors

  • Key Ring Protection
  • Credit Card Protection
  • Free Checks (2 boxes/year)
    Free checks are limited to the Specialty Blue Single Check Style
  • Waive issue charge for Money Orders or Cashier's Checks
  • Discount on Safety Deposit Box
  • If tied to a NOW Checking or First Investors Account, a $5.00*/cycle if below minimum balance requirement
  • $0.20 for each debit in excess of 25 posted during monthly statement cycle

Additional

ProductAccount Details
First Seniors
  • *Automatically applies to First Checking, NOW Checking, First Investors, & Rewards Checking accounts
  • Senior Citizen age 62 or older
  • Service Charges Waived
  • Unlimited check writing
  • Free Checks (2 boxes/year)
  • Free Checks are limited to the Specialty Yellow Single Check Style
  • Waive issue charge for Money Orders and Cashier's Checks
  • Discount on Safety Deposit Box
Student Account
  • *Automatically applies to First Checking, NOW Checking, First Investors, & Rewards Checking accounts
  • Service Charges Waived
  • No monthly service fee
  • Unlimited check writing
  • Instant issue debit card available
Personal Savings
ProductMinimum BalanceInterest BearingAccount DetailsAdditional Fees
Personal Savings $100 Yes
  • Interest compounded semiannually using daily balance
  • Maximum 24 debits per semi-annual statement cycle (excluding debit card transactions)
  • $2.00/cycle if below minimum balance requirement
  • $0.50 for each debit in excess of 25 posted during semi-annual statement cycle
Christmas Club $1.00 Yes
  • Interest compounded annually using daily balance
  • You may not make withdrawals from this account
  • Last Deposit Date: October 18, 2024
  • Renewal Policy: Unless you notify us on or before the Last Deposit Date, this account will automatically renew.
  • Statement balance paid out by automatic deposit into First Trust account, or by Christmas Club check.
None
Buck-aroos Kids’ Club $10.00 Yes
  • Maintain minimum balance to earn 0.50% APY
  • Eligibility: 0-12 years. Upon reaching 13, the account will convert to a Personal Savings account.
  • Withdrawals may only be made the first 10 days of each quarter (January, April, July, October)
None
Personal Debit Cards

A VISA DEBIT CARD with First Trust and Savings Bank gives you the convenience of accessibility to your money with the swipe of a card. Whenever you use it, the amount of your purchase is automatically debited from your checking account. Plus, the VISA symbol makes the card widely accepted by vendors. Stop by any one of our locations to get your debit card today.

Forgot your PIN? Stop by or give us a call, and we can help you change it to a personalized PIN.

If it is after regular banking business hours and you need to report a lost or stolen debit card. Please call 1-844-202-5333. After canceling your card, please notify a bank representative during regular business hours.

Reorder Checks

When you open a checking account at First Trust and Savings, not only will you receive quality customer service, but you will also have the choice of quality checks from Deluxe.

Deluxe has provided customers the ease and convenience of re-ordering checks on-line at www.deluxe.com. (If your checking account qualifies for free checks, you must contact your bank representative to receive your free orders.)

Deluxe checks are ordered by box number, and each box contains 100 checks. There are many kinds of checks to choose from, with business and computer checks also available. Wallets or duplicates can be ordered along with any wooden cut or symbol, if the customer so chooses. Each order includes a free coordinating vinyl cover. The price of checks includes shipping and handling, and the amount will be debited from your checking account.

Checks will be mailed within 7-10 business days. If you should need some temporary checks, contact any one of our seven locations. When you are re-ordering checks through First Trust and Savings via mail or phone, please provide us with your account number, how many boxes of checks you want, and any change you may have.

Order Checks!