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Money Market Accounts

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​Money market accounts are a smart way to earn more on your savings while providing easy access to your money. With a First National Bank and Trust money market account, the more you save, the more you’ll earn with our tiered interest structure. Compare our money market options below and pick the one that is right for you!

Compare FNBT Money Market Accounts

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Consumer Relationship Money Market

Matrix Money Market

First Money Market

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Minimum opening balance




Tiered interest

6 interest yield levels

6 interest yield levels

4 interest yield levels

Exclusive relationship rates with an eligible FNBT checking account
(Privilege Plus, Priority Plus, or one account)



Free online & mobile banking with eStatements

Unlimited deposits and in-person withdrawals

Free ATM card with access to surcharge-free ATMs through MoneyPass network

Monthly check images

6 free preauthorized or electronic withdrawals per month

Monthly service fee if daily balance falls below $2,500 View Fee Schedule View Fee Schedule View Fee Schedule
Consumer money market accounts are available throughout Southern Wisconsin and Northern Illinois. Contact us to open a Money Market Account or visit any of our convenient locations in Beloit, Clinton, Darien, Delavan, Elkhorn, Janesville, Monroe, Walworth, and Williams Bay, WI and Rockton, Roscoe, and Winnebago, IL.