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FNBT started as a community-focused bank more than 140 years ago in Beloit, Wisconsin. Today, we’re still independently owned and 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 today and well into the future. When you or your business bank 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

business owner having a financial review with their commercial banker

The Importance of Having an Annual Check in With Your Business Banker

A regular financial review with your commercial banker can help you find more efficient ways to bank, or plan for potential ups and downs in your organization.

Comprehensive Guide to Understanding IRAs

An Individual Retirement Account (IRA) is a kind of retirement account that offers tax benefits that not only encourage savings, but also amplifies the power of every saved dollar.

How Can Remote Deposit Capture Help Your Small Business

Remote deposit capture is one of the many digital banking tools designed to help small business owners run their business more efficiently.

graphic representing a text message asking for bank info

What is a Bank Imposter Scam?

Bank imposter scams are a type of smishing, or SMS phishing, and are some of the most dangerous cybersecurity threats currently facing the financial industry.

How to Protect Your Business Bank Account From Fraud

With bank fraud on the rise, it’s essential that you know what to look out for and how you can protect your hard-earned business finances.

Laptop screen saying Automatic Savings Deposited

6 Ways to Automate Your Savings

There are plenty of ways to help you save for your goals without even thinking about it. One of the best ways is to set up an automatic savings plan.

Guide to Construction Loans in Beloit

Thinking about building a home in Beloit, you’ll want to apply for a home construction loan. Here's what you need to know about Beloit home construction loans.

Networking and Building Small Business Partnerships

Starting a new business can be a challenge but networking and developing partnerships is an important part to ensure your small business’s success.

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What is a Savings Club Account?

If you’re thinking about new ways to budget for the holidays or another special occasion, a Savings Club Account might be the answer.

How to Maximize Savings Interest

If you’ve got some money set aside, there are several ways you can earn more interest and put your savings to work for you.

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Recent Press Releases

FNBT Announces Debit Mastercard® Sweepstakes with Incredible Prizes

November 26, 2024

Beloit, WI – As the holiday shopping season begins, First National Bank and Trust (FNBT) is excited to invite customers to participate in its exclusive FNBT Debit Mastercard^® Sweepstakes, offering extraordinary prizes for simply using their FNBT Debit Mastercard.

Read Full Release FNBT Announces Debit Mastercard® Sweepstakes with Incredible Prizes

Mandy Blood Earns National ACH Certification

November 14, 2024

Beloit, WI, November 13, 2024 – Mandy Blood, Fraud Prevention Specialist at First National Bank and Trust (FNBT), has achieved the prestigious Accredited ACH Professional (AAP) certification from the National Automated Clearing House Association (NACHA).

Read Full Release Mandy Blood Earns National ACH Certification