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Refer A Friend and You BOTH Earn Rewards!

It's easy! Tell your friends how much you like banking at First National Bank and Trust (FNBT), share your personal referral code with them, and after they open a new checking account, you’ll both be rewarded with 350 points!

Your friends can open a checking account that’s fully loaded or just the basics - the choice is theirs. Let them know that all FNBT personal checking accounts include:

With the free debit card included with all checking accounts, you and your friends can automatically earn reward points every time you use the card! Earned points are automatically deposited into your rewards account each month. We'll also send you an email to let you know when new points have been added. 

You and your friends can redeem your points for merchandise or gifts in our Rewards center

To REFER A FRIEND register at

Rewards in program valued from 100 to 100,000 points. Rewards subject to change without notice and program may be terminated at any time. Points valid for 2 years from date of issuance. Points awarded per checking account. For ongoing card purchases – one point is awarded for every $100 spent with a signature transaction and one-half of a point is awarded for every $100 spent with a PIN transaction. Points awarded in relation to dollars spent subject to change without notice. Rewards Points vary by retailer. See for specific program terms. Member FDIC.