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Preferred Savings

A strong building block for your personal finances

Earn interest and watch your money grow.

The best way to ensure a financially healthy tomorrow is to start saving today. It's easy to open a Preferred Savings account. All it takes is a few dollars and a few minutes.

  • Open with a $50 deposit
  • Tiered rates increase with your balance at $2,500 and $10,000
  • Earns interest on average daily balance, paid quarterly
  • Unlimited in-person withdrawals or transfers at a teller/ATM

Monthly Service Charge

A $3 monthly service charge applies if the balance drops below $200. If your account has more than three limited transactions in a statement cycle, there is a $2 excessive withdrawals fee per instance.

Customers in Louisiana, Mississippi and Florida rely on First Bank and Trust for accounts that benefit them. Our Preferred Savings account helps you start planning for the future.


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, savings accounts are limited transaction accounts.  Savings 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.