We have many ways to serve our customers’ needs. Listed below are just a few. Don’t see what you want? Need something special? Just ask - we’ll do our best to satisfy your banking needs. That’s what hometown banking can offer!
Loans, CDs & Retirement
Personal & Business Loans
We offer loans to meet every need. Personal loans are available including consumer loans for cars, vacations, home equity, and lines of credit. Real estate loans serviced in-house or long term for the secondary market are also available at competitive rates.
Small business loans, operating loans, and lines of credit are available for our commercial customers.
Agricultural customers have access through us to farm real estate purchase loans, operating loans, and loans for livestock and machinery purchases.
Certificates of Deposit
Traditional CD’s and "super-savers" which can be added to are available. Call us for information on our current great rates!
Individual Retirement Accounts
Don’t forget to set up your IRA with First Trust - we’ve got terms and rates that will assure your investment will grow safely, and annual reports keep you informed of your account’s value.
Ask any First Trust representative for details on overdraft protection, safety deposit boxes, telephone banking, low interest credit cards, and much more!
It doesn’t get any more convenient than this! We are proud to be one of the few hometown banks that can offer this technology to our customers. Free 24-hour secure access to your accounts from any computer is just one of the advantages of Internet Banking with First Trust! Check out our demonstration for details and how to get started!
For more details on our accounts, pick up a Personal Accounts brochure at one of our offices, or request one by e-mail here at our site.
Free Checking Account
No monthly fee and no minimum daily balance required. Unlimited check writing. Stop by one of our branches or email us for more information about this convenient account. $100 minimum to open.
Regular Checking Account
No monthly fees, unlimited check writing and debits if you maintain a $300 minimum daily balance. If your balance falls below the minimum, an $8 monthly fee will apply, and each debit over 20 will cost $0.20 each.
No minimum balance requirements and unlimited check writing and other debits, all for a flat $12 monthly fee. We also provide you with your checks and other perks. Pick up a Personal Accounts brochure, or request one by e-mail for details. $100 minimum to open.
This unique account is available to those customers who have an aggregate daily balance of $10,000 or more in all of their accounts. Your first box of checks is free and you earn interest on your account! If your daily aggregate balance does fall below $10,000 a $10 monthly charge will apply. $100 minimum to open.
Interest bearing and unlimited check writing with a $900 minimum daily balance. A $8 monthly fee applies if the balance falls below the minimum. This account requires $900 to open.
Our Money Market account pays interest based on tiered rates that increase with account balance. This account requires $2,500 to open and to be maintained as a minimum daily balance. A $13 monthly fee applies if balance falls below the minimum. Debit and transfer limits apply, please see account brochure for details.
Savings account requiring only a $300 minimum balance to avoid a $5 monthly fee. Debits from this account are limited to 6 per month. Additional debits are $5 each. Transfer limits apply, please see account brochure for details.$100 minimum to open.
For more details on our accounts, pick up an accounts brochure at one of our offices, or request one by e-mail here at our site. All Business accounts require $100 to open.
No monthly maintenance fee and 25 debits free per month. If you use more than 25, they are only $0.20 each. If an average daily collected balance of $750 is maintained, the monthly service charge of $6 is waived. There is no charge for each deposit, and you can have 50 items deposited per month at no charge. Each item over 50 is $0.15 each.
No monthly maintenance fee and 50 debits free per month. If you use more than 50, they are only $0.15 each. If an average daily collected balance of $3,000 is maintained, the monthly service charge of $8 is waived. There is no charge for each deposit, and you can have 50 items deposited per month at no charge. Each item over 50 is $0.10 each.
An account that can earn you interest! There is no monthly maintenance fee for this account, and no service charge with an average daily collected balance of $5,000. If the balance is below the minimum, a $10 charge will apply. You can write 50 checks or have other debits free per month, and any over 50 are only $0.15 each. Deposits are $0.25 each, and the first 50 items are free. Over 50, they are $0.10 each.
For our larger business customers. No balance requirements and a low $20 monthly maintenance fee. Checks written and other debits are just $0.15 each. Deposits are $0.15 each, and $0.12 per item. Please come in to visit with us for details. For maximum investment benefit, ask about our Sweep Account! (A non-FDIC insured account.)