Skip to main content
Home / Personal / Checking

Are you looking to open a personal checking account or maybe you need a “second chance” checking account, but not sure where to start?

We Have a Checking Account That's Right for You

Your lifestyle determines what kind of personal checking account works for you. Open a personal checking account that’s fully loaded or just the basics - the choice is yours. First National Bank and Trust (FNBT) even offers a low cost Basic checking account for your teen with unlimited debit card use. Nobody does personal checking accounts better. Select the account that sounds most like you. And if you’re unsure, let us help you. Just visit one of our full-service branches located throughout Southern Wisconsin and Northern Illinois. Learn how you can balance your checking account with one of our budget calculators.

All FNBT personal checking accounts include:

  • Online Statements* & Check Images
  • Direct Deposit
  • 70,000 surcharge-free Allpoint and MoneyPass ATMs worldwide

Personal Checking Account Comparison Chart​​

Swipe left and right to scroll table

Features one Privilege Plus Basic Renew
  The account packed with valuable benefits to save you time and money The account that rewards you for your relationship Low cost account with basic benefits (now includes 16-17 year olds) The second chance for those with a less-than-perfect checking past
  one Checking Benefits Privilege Plus Benefits Basic Checking Benefits Renew Checking Benefits
Shop Local, Save Local1

-No

-No
Cell Phone Protection2,3

-No

-No
ID Theft Aid2,3,4

-No

-No
Roadside Assistance

-No

-No
$10,000 Travel Accidental Death Coverage3

-No

-No
Billshark4

-No

-No
Financial Wellness4

-No

-No
Pet Insurance4

-No

-No
Health Savings Card

-No

-No
Earns Interest

-No

-No
Foreign ATM Refunds*

-No

-No
Privilege Plus Club Benefits

-No

-No

-No
Bonuses on CD Rates

-No

-No

-No
Standard Overdraft Services
(16-17 yr olds not eligible)		 -No
Minimum Balance to open $25 $100 $25 $25
Monthly Service Charge

View Personal Account Fee Schedule

View Personal Account Fee Schedule

Waived if $10,000 in total deposit balances 

View Personal Account Fee Schedule

$0 per month with electronic statement

View Personal Account Fee Schedule

*FNBT will refund the ATM fee another institution charges, up to two (2) per month.
1 Participating merchants on BaZing are not sponsors of the program, are subject to change without notice, may not be available
in all regions, and may choose to limit deals. 2 Subject to the terms and conditions detailed in the Guide to Benefits. 3 Insurance
products are: NOT A DEPOSIT. NOT FDIC-INSURED. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT GUARANTEED BY
THE BANK. 4 Requires additional activation to begin.