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Black and Gold Money Market

Bigger balances reward you with higher rates.

Get the twin benefits of high yields and easy access.

You don't need to tie up your money for extended periods of time to get higher yields. Black and Gold Money Market gives you convenient access to your money and tiered rates for bigger returns as your balance increases.

  • Open with a $5,000 minimum deposit
  • Tiered rates increase with your balance at $25,000 and $100,000
  • Earns interest on average daily balance, paid monthly
  • Unlimited in-person withdrawals or transfers at a teller/ATM

Monthly Service Charge

A $20 monthly service charge applies if the balance drops below $5,000. If your account has more than six limited transactions in a statement cycle, there is a $15 fee per instance. 

Enroll in e-Statements to avoid a $3.00 monthly paper statement fee.

Customers in the southern Gulf Coast rely on First Bank and Trust for accounts that work in their best interests. Our Black and Gold Money Market account helps you increase your savings while maintaining access to your money.


All new accounts are subject to approval, including credit approval. All accounts are subject to applicable Terms and Conditions provided in your New Account disclosures.

By federal law, Money Market accounts are limited to a total of six (6) withdrawals per month by check, automatic or pre-authorized transfer, telephone, Online Banking, or wire transfer. If you routinely exceed this limit, we may close the account or re-open it into a checking account that offers unlimited transactions.