Personal Savings

Simple Money Management: Your Savings and Money Market Options

First Bank and Trust offers multiple options for simple money management. Our Preferred Savings account makes it easier to save for a new computer or a new vehicle. Plus, you have flexible access via teller, ATM or Online Banking. With a Minor Savings account there is no monthly fee for minors under age 18. If you need check access, look into our Black and Gold Money Markets accounts.

Having a Savings account with us can make it less stressful to handle those unexpected bumps in the road (you can even link your savings to your checking for overdraft protection). Don’t forget to pay yourself first and set up an automatic transfer from your checking account to your savings so you set aside funds routinely.

It’s easy to open an account; make your selection today.

Savings and Money Market Choices

Preferred Savings High Yield Money Market Black and Gold Money Market
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Account Overview
Offers a high rate savings account for personal or business needs For customers who open or add to an account with $50,000 in new deposits. Limited time offer. Combines competitive rates with liquidity you need
Features and Benefits
Earns interest on the daily balance

Interest is paid quarterly

Interest tiers are:

  • Under $2,500
  • $2,500 to $9,999
  • $10,000 or more

Combined statements available

Account is tiered and offers a highly competitive rate for balances of $50,000 and above.

Interest tiers are:

  • Under $50,000
  • $50,000 and above

Earns interest on the daily balance

Interest is paid monthly

Access by check, ATM or online banking

Account is tiered and offers higher rates as balances increase

Interest tiers are:

  • Under $25,000
  • $25,000 to $99,999
  • $100,000 or more

Earns interest on the daily balance

Interest is paid monthly

Access by check, ATM or Online Banking

Balance Required to Avoid a Service Charge
$200 or more None $5,000 or more
Monthly service charge
$3, if the balance drops below the requirement

If your account has over three (3) withdrawals per month, each excessive withdrawal is $2 each

This is a limited transaction account1


$3.00 paper bank statement fee. Avoid this fee by enrolling in eStatements

No monthly service charge

If your account has over six (6) limited transactions in a statement cycle, there is a fee of $20 each

Unlimited transactions include deposits, in-person withdrawals or transfers at a teller and ATM transactions

This is a limited transaction account1

$3.00 paper bank statement fee. Avoid this fee by enrolling in eStatements

$20, if the balance drops below the requirement

If your account has over six (6) limited transactions in a statement cycle, there is a fee of $15 each

Unlimited transactions include deposits, in-person withdrawals or transfers at a teller and ATM transactions

This is a limited transaction account1


$3.00 paper bank statement fee. Avoid this fee by enrolling in eStatements

opening amount
$50 $50,000 $5,000 or more in new funds

1 Federal banking regulations limit the number of transactions (withdrawals or transfers) that can be made on a Money Market deposit account (MMDA) or savings account during a monthly statement cycle. You may have six (6) pre-authorized transfers to your accounts or third parties during any statement cycle. If you routinely exceed this limit, we may choose to close your account.

For a complete description of our service charges and fees, please review our Personal Fee Schedule.