Customer Support Hours Update
Our Customer Support team is available Monday–Friday, 8:30 AM–5:30 PM.
We are closed Saturdays and Sundays. Visit our Contact Us page for support options.

Online account opening applications for new deposit and loan accounts will be unavailable starting 3/1/2026 as we prepare for the system conversion to Bank First. Visit a branch or contact us for assistance.

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Merging Strengths

FNBT joins Bank First on May 18. See what's chagning and when.

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Dependable. Approachable. Resilient.

FNBT started as a community-focused bank more than 140 years ago in Beloit, Wisconsin. Today, we’re still dedicated to serving our local communities throughout Northern Illinois and Southern Wisconsin. Come visit us at one of our many locations, including Beloit, Roscoe, Janesville, Monroe, Walworth, and the Stateline area.

We’re proud of our past, but even prouder of the great service we offer our customers. When you or your business banks with FNBT, you’ll get the expert advice you need, including financial products and services tailored to your situation.

A Banking Relationship You Can Depend On.

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Wallet Wise Blog

Credit Cards 101

Learn the basics of how credit cards work, from statement balances and APR to credit scores, fees, and fraud protection. This guide breaks down key terms and common pitfalls so you can use credit wisely, avoid costly mistakes, and make more confident financial decisions.

Portrait of Senior African man sitting on laptop at the home office and having a phone conversation

The Importance of Keeping Your Contact Information Up to Date with Your Bank

Keeping your contact information current with your bank is one of the simplest ways to protect your accounts and make sure you receive urgent fraud alerts, security notices, and important account updates. This post explains why updated phone numbers, email addresses, and mailing information matter so much—especially as online and mobile banking use continues to grow—and walks readers through how to update their details in digital banking. It also shares practical tips for improving account security, from setting up alerts and using mobile wallets to avoiding public Wi-Fi and recognizing imposter scams.

young african american woman in glasses with papers and calculator at home

Financial Check-In: 5 Questions to Ask Yourself Before Spring Arrives

Get your finances in shape this spring with a simple seasonal check-in. This post covers practical ways to review your budget, tackle debt, strengthen savings, check your credit, and revisit estate plans so you can move through the rest of the year with more confidence and control.

Woman standing with santa hat, ornament, and debit card

Avoid the Debt Trap This Holiday Season

The holiday season can get expensive fast, especially as shoppers face higher prices and economic uncertainty this year. But with a thoughtful budget, a well-planned gift list, early deal-hunting, and smart use of rewards programs, it’s possible to enjoy the festivities without ending up in debt. From taking advantage of local Small Business Saturday events to creating meaningful homemade gifts, small strategies can make a big difference. And if you need help saving or exploring responsible financial options, First National Bank and Trust Company is here to support your holiday planning.

Social Engineering Scams: How to Protect Yourself and Your Finances

Many scams today rely less on hacking and more on human manipulation—a tactic known as social engineering. In this blog, First National Bank and Trust explains how scammers use deception, urgency, and fear to trick people into revealing sensitive information through phishing, pretexting, and baiting. By learning how these scams operate and following simple prevention steps—like verifying sources, avoiding suspicious links, and protecting login details—you can safeguard your personal and business finances.

Creating a Marketing Plan for the Holidays for Your Business

The holiday season can be the most profitable time of year for small businesses—but it also brings challenges. With shoppers planning to spend less and start buying earlier, a solid marketing plan is key to standing out. In this post, we share practical strategies to help your business make the most of the season, from reviewing last year’s performance and improving customer experiences to using CRM tools and preparing your team for the rush.

FNBT offers Cash Management Services, Merchant Services, Digital Payments, and flexible financing options to help your business thrive through the holidays.

7 Ways Small Businesses Can Give Back to the Community

Discover how small businesses in southern Wisconsin and northern Illinois can give back while growing stronger. From partnering with local nonprofits to mentoring entrepreneurs, this blog outlines seven meaningful ways to invest in your community—and how doing so builds loyalty, visibility, and long-term success.

How to Safeguard from Fraud with ACH

Protect your business from ACH fraud with FNBT. Learn how ACH Blocks & Filters, Positive Pay, and multi-factor authentication help safeguard accounts across Northern Illinois and Southern Wisconsin.

Key Employee Benefits Your Business Should Offer

The job market is more competitive than ever. Offering key benefits to your employees helps retain and attract top talent.

Woman looking at her financial bills stressed out with her head in her hands

Reduce Financial Stress, Improve Your Health: 7 Simple Habits

Discover how improving your financial habits can reduce stress and boost your well-being. Learn practical steps from FNBT to strengthen your financial and physical health.

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Community Events & Outreach

Community Shred Day at Monroe Branch

At Monroe Branch on August 15

Confidential Records will be on hand to ensure secure destruction of paper documents containing personal information. This free service, open to all community members, will be available from 9:00 am until noon.

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.

Beloit Community Shred Day at Beloit - Inman Pkwy Branch

At Beloit - Inman Pkwy Branch on September 12

Recent Press Releases

Bank First Corporation Announces Completion of Centre 1 Bancorp, Inc. Acquisition

January 02, 2026

Download - PDF

Read Full Release Bank First Corporation Announces Completion of Centre 1 Bancorp, Inc. Acquisition

Bank First Corporation Signs Definitive Agreement to Acquire Centre 1 Bancorp, Inc.

July 18, 2025

Download - PDF of the Agreement Announcement

Read Full Release Bank First Corporation Signs Definitive Agreement to Acquire Centre 1 Bancorp, Inc.