Personal Business

New User Registration
Forgot Username | Forgot Password

Download App for Smartphone

Bank easier with our mobile app.

Additional Logins

Child Tax Credit Payments

Important information regarding Child Tax Credit payments

Great Rates on Home Equity Loans

The cash you need, when you need it.

Priceless Surprises

Congratulations to Niall G. who won a prepaid $1000 Mastercard^®just by using his FNBT Debit Card.

Meet Jamie, Branch Manager

"I value FNBT for its friendly people, fantastic customer service, and knowledge of the Paycheck Protection Program (PPP) to help local, small businesses with the intimidating application process.
"

Lisa Brown, LIS of Rock County

Give us a try. We'll treat you like family.

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.

If you're looking for a bank that's a little different, bank with us.

Find a location

or View all locations

Sound Advice

Protect Yourself from Identity Theft

Identity theft remains a serious issue in the United States. How serious? According to the Identity Theft Resource Center, 292 million records were exposed so far to identity theft in 2020, arising from over 846 total breaches of security.

Protect Yourself from Identity Theft

Saving for a Down Payment on a Home

Owning a home instead of renting is often a wise financial move. It allows you to reduce your overall monthly costs while you build equity in real property. The biggest financial hurdle you face before you can buy a home is gathering cash for the down payment.

Saving for a Down Payment on a Home

Quick Links

Open a Checking Account Apply for a Mortgage Check Mortgage Rates Rewards Program BaZing Benefits Wallet Wise blog Financial Education Financial Calculators Lost or Stolen Card Order Checks Careers Important Information Submit a Suggestion

Community Events & Outreach

Free Community Shred Event

At Roscoe Branch on September 18

Paper Recovery will be on hand to ensure secure destruction of paper documents containing personal information.

The bank recommends shredding receipts, bank statements, and unused credit card offers as Sound Advice to prevent identity fraud. This free service will be limited to six boxes of shred per person to allow all community members a chance to have their personal documents shred.

Free Community Shred Event

At Beloit-Inman Pkwy on September 25

Paper Recovery will be on hand to ensure secure destruction of paper documents containing personal information.

Recent Press Releases

Geoff Roemerman Joins FNBT

September 13, 2021

Beloit, WI – First National Bank and Trust (FNBT) is pleased to announce that Geoff Roemerman has joined the bank as Senior Vice President (SVP) Director of Customer Experience and Innovation.

Read Full Release

FNBT Customer Wins Priceless Surprise

September 03, 2021

Beloit, WI - First National Bank and Trust Company (FNBT) is excited to announce that one of our customers has been surprised with a $1,000 prepaid card from Mastercard^®. Naill G. was a lucky winner of Mastercard’s Priceless Surprises sweepstakes in July.