Credit Cards 101

Learn the basics of how credit cards work, from statement balances and APR to credit scores, fees, and fraud protection. This guide breaks down key terms and common pitfalls so you can use credit wisely, avoid costly mistakes, and make more confident financial decisions.

The Importance of Keeping Your Contact Information Up to Date with Your Bank

Keeping your contact information current with your bank is one of the simplest ways to protect your accounts and make sure you receive urgent fraud alerts, security notices, and important account updates. This post explains why updated phone numbers, email addresses, and mailing information matter so much—especially as online and mobile banking use continues to grow—and walks readers through how to update their details in digital banking. It also shares practical tips for improving account security, from setting up alerts and using mobile wallets to avoiding public Wi-Fi and recognizing imposter scams.

Financial Check-In: 5 Questions to Ask Yourself Before Spring Arrives

Get your finances in shape this spring with a simple seasonal check-in. This post covers practical ways to review your budget, tackle debt, strengthen savings, check your credit, and revisit estate plans so you can move through the rest of the year with more confidence and control.

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.