We commit to promote the success of our customers and communities, provide high quality financial services and maintain a strong, safe financial institution.The First National Bank and Trust Co.


What's New?

Check here often to learn about new products and promotions at FNBT!

Oneup Account

You spoke. We listened! Our new Oneup Account is a new account meant for young people learning financial independence. This new account offers Adjustable interest earned on deposits up to $10,000. Currently 1.00% (1.00% Annual Percentage Yield/APY) on balances up to $10,000, subject to change. This rate effective as of June 2018. Balances at $10,000 and above earn our Super Now Account rate, which is .25% (.25% APY). No minimum balance required to earn interest.  
No Monthly service charge if you use your standard FNBT debit card 10 times per month. A $5 service charge if your account has less than 10 debit card transactions.
A $50 opening reward after 180 days. Must provide valid email address. A $100 deposit to open account. No minimum balance required to earn benefits. We deposit this reward into your account 180 days after your account is opened.
ATM fees waived. Up to 6 transactions per month at ATMs not owned by FNBT.
Oops Protection! One insufficient fee (check or debit card) of $28 is waived per quarter. Customer will need to call the bank and request refund. We encourage customers to avoid fees by learning good money management. Fees can reduce interest earned. No limit on requests; one refund per quarter. (Overdraft fees may apply to overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means. We reserve the right to refuse payment of an overdraft for you even though we have previously paid overdrafts on your account. Regardless of whether we pay or return the item, you will be charged a return item fee or overdraft fee. You have 30 days to repay the overdraft.)
A $25 restaurant gift card for referrals who opens a new deposit account. They can have existing savings or a safe deposit box but not a recently closed deposit account. Gift card is issued after the applicable referred account has been open for 90 days. A $100 deposit is required to open a referred account. No minimum balance required to earn the reward. 
Money Management ideas. Educational videos in social media, email reminders and tips. 
Credit-building options available. Consult with our lenders to see if you qualify for a small loan to build your credit score. No minimum balance required. 
A debit card, any style is provided with this account. Checks may be ordered separately. 
E-statements required. Reduces waste and fraud. Statement cycle is end of month.