First National Bank And Trust

With more than 130 years in the banking business, First National Bank and Trust is a local, family-focused community bank headquartered in Beloit, Wisconsin. FNBT serves communities throughout Northern Illinois and Southern Wisconsin, including locations in Beloit, Roscoe, Janesville, Monroe, Walworth, and the Stateline area.

From excellent customer service to the best-in-class offerings, we treat our customers like family. As we see it, being involved is more than doing something nice for our neighbors – it’s our responsibility to help our community grow by supporting the economic well-being and quality of life for everybody. 

Your personal, non-public financial information is very important to First National Bank & Trust. That’s why we have developed a new state-of-the-art security feature to make you feel even more secure when you log in to access your Internet Banking accounts. You’ll rest easy knowing that when banking at First National Bank & Trust Bank, you are safe.
Information security is a top priority of First National Bank & Trust. First National Bank & Trust will NEVER ask you for personal and/or confidential information via either our internet banking website or e-mail after your initial account opening. Periodically, you will be asked to change your Internet banking password that will be verified, via email, after the change. If you are ever asked to furnish any personal information, please ignore the request and contact us immediately. As always, feel free to contact us with any questions or concerns.

Common Features

Effective May 1, 2017, the following fees may be assessed against your account and the following transaction limitations, if any, apply to your account.

Product Fees

Item Amount
Account Balancing Assistance – per occurrence $15
Account Research – per hour $20
Bill Pay – monthly (free for total access customers or if you make 3 or more monthly payments using iPay) $5
Cashier’s Checks $2.50 (1 free per month for Total Access Customers)
Check Printing fee depends on style of check ordered
Counter Checks 4/$1
Debit Card Replacement
Debit Card Re-Pin