All FNBT locations will be closed Monday, February 16 in observance of Presidents' Day. We will resume regular business hours on Tuesday, February 17.
Business Banking Customers:
This is a reminder that Monday, Feburary 16 is a Federal Reserve Holiday in observance of Presidents' Day. No ACH files, wire transfers, or remote deposit transactions will be processed, so please submit accordingly.
Merging Strengths
FNBT is now a division of Bank First
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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.
Wallet Wise Blog
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.
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.
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.
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.
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.
The job market is more competitive than ever. Offering key benefits to your employees helps retain and attract top talent.
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.
There are many options for non-traditional savings accounts that offer higher interest rates than regular savings accounts. We want our customers to be fully aware of the high-yield savings alternatives available, including what they offer, their requirements, and restrictions.
Heading back to campus? Between buying textbooks, settling into classes, and reconnecting with friends, the last thing you need is a scam draining your time and money. Unfortunately, scammers know students are juggling a lot right now – and they’re taking advantage of it.
While digital threats often make headlines, some of the most damaging scams happen offline. These non-Internet scams can happen over the phone, through the mail, or even in person. And although these methods may seem outdated, they remain just as dangerous, particularly when targeting trusting individuals and small businesses.
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