Personal Banking

“It’s like having a banker in the family.”

You want to cut past the technical descriptions and have someone explain your options in plain terms. After all, you're a person, not a calculator.

Whether you've just moved to town or are looking for something more from your bank, First Bank and Trust has the personal banking options that are right for you. And with a staff of professional and caring bankers, you can be sure you're getting the best options for your finances.

First Bank and Trust has a number of banking solutions to meet your family's needs, including personal checking and an array of consumer loans. It's business. Made personal.

Relationship Packages -- Comparison Chart

Our banking packages offer flexibility and value. With our relationship packages you can keep funds in your checking account or combine your relationship deposits together to avoid a monthly service charge on your account. Open one of our package accounts and simplify your banking. You'll find an array of value-added features with our packages plans.

	Ultimate Saints Fan Checking	Marquis Banking	Marquis Banking For Seniors
*Product Overview*	Show your support for the Saints with a special banking package!	Use your relationship with First Bank to your advantage. Your deposit balances can help avoid a service charge on your checking account.	Use your experience to your advantage. Receive all the advantage of Marquis Banking for those age 50 or better.
*Account Features*	Two styles of Saints Checks No fee Saints Check Card 1/4% Discount on Personal Loans 1/4% Bonus Rate on CDs No fees for cashiers checks, money orders or travelers checks.	Earns interest on balances greater than $1,500 1/4% discount on consumer loans No annual fees on consumer lines of credit . Preferred fixed rate First Bank & Trust VISA card No annual fee on Overdraft Protection 1/4% premium on stated rates on Certificates of Deposit (cannot be combined with other special incentives or discretionary rates) 20% discount on Safe Deposit Boxes (with no set-up fee) Unlimited check writing No charge for Marquis Banking checks Cashier's checks Money Order Stop Payment Combined statements Traveler's checks (for one or two) Account Activity Printout ** subject to credit approval	Earns interest on balances greater than $1,500 1/4% discount on consumer loans No annual fees on consumer lines of credit . Preferred fixed rate First Bank & Trust VISA card No annual fee on Overdraft Protection 1/4% premium on stated rates on Certificates of Deposit (cannot be combined with other special incentives or discretionary rates) 20% discount on Safe Deposit Boxes (with no set-up fee) Unlimited check writing No charge for Marquis Banking checks Cashier's checks Money Order Stop Payment Combined statements Traveler's checks (for one or two) Account Activity Printout ** subject to credit approval
*Balances Required*	Avoid A Service Charge Maintain a minimum daily ledger balance of $300 or more in checking, OR Maintain combined deposit balances of $2,500 or more	Avoid A Service Charge Maintain a average daily ledger balance of $5,000 or more in checking, OR Maintain combined deposit balances of $25,000 or more	Avoid A Service Charge No balance requirement in checking, AND Maintain combined deposit balances of $5,000 or more
*Monthly Service Fees*	If balance requirement is not met $10.00 service charge	If balance requirement is not met $12.00 service charge	If balance requirement is not met $10.00 service charge

Enhancements For Any Checking Account
*Visa Check Card*	Add convenience and security to any checking account with a Visa Check Card. It's easier to use than a check and more secure than cash, your Visa Check Card allows you to make purchases from your checking account anywhere Visa is accepted. Just swipe, sign and go. If you need cash, just access your account at any ATM.
*Online Banking*	Online Banking is a tremendous time saver that can make things easier for you. You'll have instant access to current account information, checks that have cleared and your account statements. You can even transfer funds between FBT accounts. All this is available from the comfort of your office or home. Sign up for online banking today.
Online Bill Pay	Once you have Online Banking, you are ready to experience our Bill Pay service. Set up your bills the way you need to including monthly or recurring bills. Pay your bills easily and securely online. Sign up for online banking today.
FBT Banking By Phone	Experience full service banking by phone. You can check your balance, see if a direct deposit has posted, make transfers between FBT accounts, make a loan payment and more. Use it 24 hours a day, 7 days a week. Call (504) 584-5908 or toll free 1-888-287-9621.
*Image Statements*	Your checking account comes standard with images of each check that cleared that month. You'll find balancing your account will be easier each month because images are sorted in check number order. Plus, your imaged check is legal proof of payment if you have a dispute.
*Combined Statements*	We can put your checking and savings together in one envelope each month. Saves time and makes keeping track of your statements a lot easier. To review your accounts, please go to Online Banking. Call 504-584-5900 or stop by any branch to sign up for Combined Statements.

Open your account today. Just fill out the Personal Deposit Application to open your account or stop by any FBT branch.

Top of page

Personal Checking -- Comparison Chart

We have a personal checking account that's just right for you. To select yours, just use the chart below.

	Totally Free Checking	First Class Checking	Checking Plus
*Product Overview*	Unlimited check writing with ATM and POS access.	Unlimited transactions on interest earning checking.	Keep a safety cushion in checking or savings and avoid a service charge.
*Account Features*	Avoid A Service Charge No balance requirement and no per check fees.	Earns interest on the daily balance Avoid A Service Charge Maintain a minimum daily ledger balance of $800 or more.	Avoid A Service Charge Maintain a minimum daily ledger balance of $500 or more, OR Maintain a average daily ledger balance of $200 or more in a linked Savings account.
*Monthly Service Fees*	No service charge	If balance drops below the requirement $10.00 service charge	If balance drops below the requirement $10.00 service charge

Open your account today. Just fill out the Personal Deposit Application to open your account.

Top of page

Show Your Spirit With Our Exclusive Authorized New Orleans Saints Checks

Show your team spirit every time you write a check!

Choose from two styles of Saints checks

Grey with official Saints Helmet or
Yellow with the stylized Saints logo and
Add a Saints fleur de lis on either style of check

Stop by or call us to order your Saints checks today

Top of page

Visa Check Card - make purchases anywhere VISA is accepted.

With First Bank and Trusts VISA Check Card you will have the flexibility you need to make purchases or get cash quickly. Just sign and go no hassles with checks.

With a Visa Check Card you'll be able to:

Access your funds 24/7
Get cash from an ATM anytime, anywhere
Check your balance or transfer funds at any First Bank and Trust ATM
Have no annual fees

How do you get started? Just ask your FBT banker for an application and drop it off at any branch location.

Show your team spirit every time you use your check card!

NEW! Order your Saints Visa Check Card for your account exclusively at First Bank and Trust

Link your card to any personal checking account
No monthly or annual fee
Accepted wherever Visa is displayed

Saints Visa Check Card

Stop by or call us to order your Saints Visa Check Card today.

Top of page

Savings and Money Market -- Comparison Chart

Need to save for a rainy day or for your biggest dream? Either way, First Bank and Trust has ways to help you make the most of your savings.

	Regular Savings	Preferred Savings	Money Manager	Black & Gold Money Market
*Product Profile*	Regular Savings provides you with a flexible savings plan. It is a limited transaction account.	Preferred Savings is a high rate savings account. It is a limited transaction account.	Money Manager has liquidity and access to the funds by check. It is a limited transaction account.	Celebrate the return of the Saints with a sound investment account. You'll have liquidity and access to the funds by check. It is a limited transaction account.
*Account Features*	Earns interest on the daily balance and interest is paid quarterly. Avoid A Service Charge Maintain a minimum balance of $200 or more.	Earns interest on the daily balance and interest is paid quarterly. Avoid A Service Charge Maintain a minimum balance of $200 or more.	This product is tiered and offers higher rates as balances increase. Avoid A Service Charge Maintain a minimum balance of $2,500 or more.	This product is tiered and offers higher rates as balances increase. Avoid A Service Charge Maintain a minimum balance of $15,000 or more.
Monthly Service Fees	If the balance drops below the requirement - $3.00 service charge If your account has over six (6) withdrawals per quarter, there is a fee of $2 each.	If the balance drops below the requirement - $5.00 service charge If your account has over six (6) withdrawals per quarter, there is a fee of $2 each.	If the balance drops below the requirement - $10.00 service charge If your account has over six transfers in a statement cycle, there is a fee of $15 each. The following are unlimited transactionsdeposits, in person withdrawals or transfers at a teller or ATM.	If the balance drops below the requirement - $20.00 service charge If your account has over six transfers in a statement cycle, there is a fee of $15 each. The following are unlimited transactionsdeposits, in person withdrawals or transfers at a teller or ATM.
*Rate Paid*	For the current rate and annual percentage yield, please call any FBT branch at 504-584-5900.
*Opening Amount*	Opening deposit amount is $100.	Opening deposit amount is $100.	Opening deposit amount is $2,500.	Opening deposit amount is $15,000.& $15,000 must be new funds to the Bank.

Federal Banking regulations limit the number of withdrawals or transfers that can be made on a money market deposit account or savings account during a monthly statement cycle. You may have six (6) pre-authorized, telephone transfers to your accounts or 3rd parties during any statement cycle; no more than three (3) of which may be made by check, draft or debit card. If you routinely exceed these limits, we may choose to close your account.

Open your account today. Just fill out the Personal Deposit Application to open your account or stop by any First Bank and Trust branch.

Top of page

CDs & IRAs

CDs: A Certificate Of Deposit (CD) locks in your rate for the term of your investment. Your term may be from 30 days to 5 years. Ask your FBT Banker for todays rates.

IRAs: The most common IRA accounts are the Traditional IRAand Roth IRA. Below is a comparison of the two most common types of IRA accounts and a summary chart of the contributions and usage limits on IRAs.

Traditional IRA -- Traditional IRAs are front-ended meaning the funds deposited are often tax deductible or a rollover from another retirement plan where taxes have not been paid.
Roth IRA Roth IRAs are back-ended meaning the funds deposited are always after-tax or a rollover from a Traditional IRA where taxes have been paid before the transfer.
Education Savings This a tax-exempt way to save for a childs education. Any earnings are tax exempt if they are used for qualified education expenses. Contribution limits are $2,000 per child up to age 18. Students may be in a private, religious or public school.

CDs & IRAs -- Comparison Chart

	Certificates Of Deposit	Traditional IRA	Roth IRA	Education Savings
*Account Features*	Terms are available for 30 days up to 5 years. Interest can be paid monthly, quarterly or annually. You may receive interest at maturity if the CD term is one year or less; for longer term CDs, the interest must be received at least annually.	Terms are available for 6 months, 12 months, 18 months, 2 years or 5 years. Interest will be compounded and credited to the account quarterly. If you want to fund an IRA with automatic transfers from a First Bank and Trust checking or savings account, you must select a 2 year IRA.
*Monthly Service Fees*	No maintenance fees on a CD.	No maintenance fees on a IRA or Education Savings
*Rate Paid*	For current rate and annual percentage yield, please call any FBT branch at 504-584-5900.
*Opening Amount*	$1,000 or more.	$1,000 or more.

You can have both kinds of IRAs in the same year, just as long as you do not exceed the annual contribution limit per individual. The following guidelines are applicable to the 2008 tax year.

	Traditional IRA	Roth IRA
Maximum Annual Contribution	Individual $5,000 (or taxable compensation) Married filing jointly $10,000 (up to $5,000 each) If you are age 50 or over you can contribute an additional $1,000 (catch up contribution).
*Eligibility*	Anyone under the age of 70 with earned income. Spouses with little or no income who file jointly are eligible for a Spousal IRA. If one spouse has little or no earned income, their combined income must be equal to or greater than the total IRA contribution for that year.	Anyone with gross earned income below $116,000 (single) or $169,000 (married filing jointly). [check with your tax advisor] Spouses with little or no income who file jointly are eligible for a Spousal IRA. If one spouse has little or no earned income, their combined income must be equal to or greater than the total IRA contribution for that year.
Tax Deductibility of Contributions	Tax deductibility is based on retirement plan coverage, adjusted gross income and filing status. (Please see your tax advisor for advise.) Contributions allowed up to age 70 if still earning income.	Not tax-deductible.
*Earnings*	Earnings are tax-deferred.	Earnings are tax-free.
Required Age of Distribution	Distributions start by age 70.	No required age.
*Withdrawals*	Withdrawals can be made at age 59 without penalty. Withdrawals before age 59 are subject to income taxes plus a federal penalty for premature distributions, unless the withdrawal meets criteria.	Withdrawals of contributions and earnings areallowed without penalty if your Roth IRA has been open for 5 years AND one of the following applies Age 59 or more Disability or death 1st time homebuyer
*Qualified Early Withdrawals*	1st home purchase ($10,000 lifetime limit). Disability of contributor Medical expenses that exceed 7.5% of your adjusted gross income. Payments of health insurance premiums under certain circumstances. Qualified higher education expense.	First-time home purchase ($10,000 lifetime limit). Your disability. Medical expenses that exceed 7.5% of your adjusted gross income. Payments of health insurance premiums under certain circumstances. Qualified higher education expense.

[For all IRA and Education Savings criteria and the impact on your finances and taxes; please see your investment advisor.]

Would you like to estimate what you can save and earn Try our Savings Estimator . You can see the result for what you plan to save.

Open your CD today. Just fill out the Personal Deposit Application to open your CD or stop by any First Bank and Trust branch.

To open an IRA, please see your FBT Banker at any branch location.

Top of page

Health Savings Accounts

A Health Savings Account (HSA) is a tax-advantaged way to save for health care expenses. If you are enrolled in a qualified High Deductible Health Plan (HDHP), your HSA provides you triple tax-benefits! You can save three ways – 1) Contributions made by you or your employer are excluded from income, 2) Any interest earned is tax deferred and 3) If your HSA funds are used for qualified medical expenses, they are never taxed.

There are two ways to contribute to your HSA – Your contributions or those that may be made by your employer. Your employer may offer payroll deduction for contributions and they may offer to contribute as well. Check with your Human Resources Dept. to find out your options where you work.

Learn More about qualifications, contributions and how a Health Savings Account works.

First Bank and Trust’s HSA is free. You’ll earn interest on your HSA and can access your health care funds with a Visa Check Card, checks or online banking.

First Bank and Trust’s HSA is easy to use –
• No balance requirement, no monthly fee
• No transaction fees
• No set-up fees
• Free Visa Check Card
• Free Online Banking and Online Bill Payment
• Optional check access
• Tiered rates increase your interest with higher balances
Make deposits by 1) direct deposit, 2) at a teller or 3) transfers from other FBT accounts.

Open a First Bank and Trust HSA and see how it can make staying healthy easier for you.
Ask your banker about opening a Health Savings Account today.

Top of page

Consumer Loans

“We all have dreams…but what happens when we wake up? You’ve already done the hard work. You’ve envisioned a future for yourself and your family. Let us help make that future a reality.”

We have various personal loans to meet your needs. Looking to renovate your house, buy a new car or just take a little unplanned vacation? First Bank and Trust has a variety of options available.

Learn more about your options here or stop by any branch for details.

Home Equity

Fixing up your home, adding on or re-modeling, making vacation plans, buying a car, these are some of the reasons to consider letting your home work for you. You can leverage the equity in your home in two ways:

Home Equity Loan A home equity loan is like any installment loan which has fixed monthly payments; your rate is fixed and the loan is completely funded up front.
Home Equity Line With a home equity line of credit, you can borrow what you need anytime by simply writing a check. You only borrow what you need. Once your line is established, as you pay down the principal, those funds are added back to the lines available credit so you have them for future use. That means you don't have to reapply each time you need additional funds. You are in control and have the flexibility to access your equity when you need it.

Do you want to estimate your monthly payment? Learn more with our Loan Payment Calculator

It's easy to get started. Stop by any branch to find out more about our equity credit options. Or apply online today.

Other Consumer Loans - We also offer additional options

Auto Loans -Finance new or late-model used cars with our competitive rates and flexible terms. We can even pre-qualify you for your loan amount so you can shop like a cash-buyer for your car.
Finished Lot Loans - Buy your lot and get ready to build. We can finance lot loans in developed areas so you can get started on your home.
Personal Lines of Credit -Choose our unsecured variable rate line of credit for amounts from $5,000 to $25,000. Or choose a fixed rate line of credit when it is secured by a CD of $5,000 or more (line of credit limited to value of CD).
Overdraft Line of Credit - Set your line from $500 to $5,000 and you can have peace of mind knowing your checking is covered for mistakes. Plus, you can use this line for unexpected purchases up to your limit or available credit.
Personal Loans - We will also make unsecured personal loans with terms from 12 to 36 months.

Do you want to estimate your monthly payment? Learn more with our Loan Payment Calculator

Stop by any branch to find out more about our consumer loan options. Or apply online.

Top of page

Visa Credit Card - Credit cards provide convenient credit when you need it

First Bank and Trust credit cards offer you reliability and worldwide acceptance at over 30 million locations. Shopping, dining, travel and the web are available with a Visa Credit Card. We have two cards Visa Platinum or Visa Classic either card offers flexible credit at a prime-based rate.

Visa Platinum Card All the confidence you expect from Visa plus extra benefits

The Basics

Credit Limit: $5,000 or more
Prime-Based Rate: Wall Street Journal Prime + 5.15%
Annual Fee - A low annual fee that can be waived if the card is used 12 or more times per year

Free Visa Platinum Features

Travel Accident Insurance When you travel throughout the world and charge your fare on a Visa Card, youre covered. Plane, train, bus, or taxi if you pay a fare you have $1,000,000 in Visas Travel Accident Insurance.
Auto Rental Insurance Worldwide coverage, 24 hours a day for collision damage or theft for up to the value of the car.
Warranty Manager Service Extended warranty protection and registration service.
Travel and Emergency Services Assistance while traveling, medical and legal referrals, emergency transpiration assistance, lost luggage and more.

Reward Points Program

First Bank and Trust automatically adds a Bonus Point Program to our Visa Platinum Card. The ScoreCard program tracks your bonus points you earn for using your First Bank and Trust Visa Platinum Card.

Your reward points earn you the opportunity to redeem them for gifts, trips, travel and more. Find out more at www.scorecardrewards.com.

Put A Rewards Card In Your Wallet.

Visa Platinum has all the extras, plus a great everyday rate too. Add us to your wallet and add rewards to your life.How do you get started Just ask your FBT banker for an application and drop it off at any branch location.

Visa Classic Card a credit card that fits your style and budget

The Basics

Credit Limit: $500 to $5,000 maximum
Prime-Based Rate: Wall Street Journal Prime + 7.00%
Annual Fee - A low annual fee that can be waived if the card is used 12 or more times per year

Free Extra Benefit

Travel Accident Insurance When you travel throughout the world and charge your fare on a Visa Card, youre covered. Plane, train, bus, or taxi if you pay a fare you have $150,000 in Visas Travel Accident Insurance.

Put A Prime-Based Card In Your Wallet.

How do you get started Just ask your FBT banker for an application and drop it off at any branch location.

Credit Card Access Options for all our credit cards

Account Information: Go to www.mycardstatement.com to check your accounts status.
Payments: Pay by monthly statement or for more convenience set up your payment for auto draft. Or go online at www.mycardstatement.com to pay over the internet.

To report a lost or stolen card, please call 1-800-543-5073.

Top of page

Our Goal Is To Serve You

At First Bank and Trust, we value you and your relationship. This is why we offer a full range of personal services to meet your needs. By building an personal relationship with you, your FBT Banker will provide the quality banking services to help you succeed. Call (504) 584-5900 to speak with an FBT Banker today.

-	Home \| About Us \| Contact Us \| Locations \| Calculators \| Careers