Notice of Holiday Hours
All FNBT locations will be closed on Monday, January 19 in observance of Martin Luther King, Jr. Day. Normal business hours will resume Tuesday, January 20.

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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.

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Wallet Wise Blog

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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.

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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.

Non-Traditional Savings Accounts to Earn You More

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.

Don't Get Schooled: Essential Scams to Watch Out for This Back-to-School Season

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.

7 Non-Internet Related Scams to Watch Out For

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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Recent Press Releases

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

January 02, 2026

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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

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

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