Prepare for Your Future Your Way

Whether you're putting away $50 a month or $5,000, we have the savings plan that's right for you. No matter what plan you choose, your nest egg will earn competitive interest rates while remaining easily accessible should something come up.

  Basic Savings1 Money Market Savings1 Premium Money Market Savings1 Cache Teen Savings2 Kids-N-Coins Club Savings3
Minimum Average Balance $50 $2,500 $10,000 $0 $0
Monthly Service Charge $5 if your average daily balance falls below $50 $10 if your average daily balance falls below $2,500 $10 if your average daily balance falls below $10,000 None None
Interest Yes Yes Yes Yes Yes
Check Access None 6 checks per monthly statement cycle 6 checks per monthly statement cycle None None
Statement Frequency Monthly Monthly Monthly Monthly Monthly
ATM Withdrawals FREE4 FREE4 FREE4 No ATM Card No ATM Card
Additional Features

Basic Savings

Prepare for the unexpected or save for something special. With a savings account at First Bank & Trust, you can start earning interest today.

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Money Market Savings

Money Market Savings accounts at First Bank & Trust have all the benefits of regular savings accounts but come with even more features to grow your savings.

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Premium Money Market Savings

Our Premium Money Market Savings accounts reward higher balance accounts, meaning a higher interest rate plus other services free of charge.

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Kids-N-Coins Club

It is never too early too learn to save. Get your kids started with a Kids-N-Coins Club account.

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Cache Teen Savings

Grow into your saving habits with this account designed just for teens. Earn up to $50 per year in rewards.

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Health Savings Account

Use this account in combination with your high-deductible health plan to cover the cost of your qualified medical expenses.

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CDs & IRAs

Get the most out of your savings with short- or long-term Certificates of Deposit and Individual Retirement Accounts.

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1Transfers from a Premium Money Market, Money Market, or Savings Account to another account or to third parties by pre-authorized, automatic, telephone, computer transfers, check, draft, debit card, or similar order are limited to six per month or statement cycle.
2Available to children 13–17 years of age.

3Available to children 0–12 years of age.
4The owner of the ATM may charge an additional fee except at all MoneyPass® locations. For MoneyPass® locations, go to