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First Bank & Trust Co. First Class Checking

in Checking Accounts from First Bank & Trust Co. · Member fdic

Unaffiliated

First Bank & Trust Co. First Class Checking

Unaffiliated

in Checking Accounts from First Bank & Trust Co. · Member FDIC

Not enough votes for recommendation

Highlights
Monthly Fee	$0 - $8
ATM Fee: Out-of-Network	$2
Minimum Balance to Avoid Monthly Fee	N/A
APY (Annual Percentage Yield)	N/A

First Bank & Trust Co. First Class Checking Review

First Bank & Trust Co. First Class Checking is offered by First Bank & Trust Co., a bank founded in 1988 and based in Ardmore, OK. First Bank & Trust Co. First Class Checking is available in 1 state across the USA.

Key Takeaways

Charges a monthly fee. This account charges a monthly maintenance fee of up to $8.
$100 minimum deposit. This account requires a higher minimum initial deposit than most of the checking accounts we track.
No minimum initial deposit. There is no minimum balance required to open an account.
Free bill pay. Pay your bills to practically anyone in the United States through First Bank & Trust Co..
Hard credit pull. First Bank & Trust Co. may require a hard pull on your credit report to open a checking account.

First Bank & Trust Co. First Class Checking Pros & Cons

Pros	Cons
Access to physical branches. Free debit card	No signup bonus. Does not earn interest. Does not offer mobile check deposits. Does not provide access to a nationwide ATM network. Only available in one state. Higher than average wire transfer fees. Monthly service charge. Charges a higher than average fee on out-of-network ATM transactions.

First Bank & Trust Co. First Class Checking FAQ

Are checking accounts from First Bank & Trust Co. federally insured?

Yes, your First Bank & Trust Co. checking accounts are insured up to $250,000 per person by the Federal Deposit Insurance Corporation (FDIC #27394). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.

What APY does First Bank & Trust Co. First Class Checking offer?

First Bank & Trust Co. First Class Checking is not an interest bearing account.

What are the account minimums for First Bank & Trust Co. First Class Checking?

First Bank & Trust Co. First Class Checking requires a minimum initial deposit of $100 to open an account.

First Bank & Trust Co. First Class Checking Account Minimums
Description	Amount
Minimum Initial Deposit	$100

What fees does First Bank & Trust Co. First Class Checking charge?

This account charges a monthly maintenance fee of up to $8.

First Bank & Trust Co. First Class Checking Fees
Description
Monthly Fee	$0 - $8
Paper Statement Fee	N/A
ATM Fee: In-Network	$0
ATM Fee: Out-of-Network	$2
NSF Fee	$27
Overdraft Protection Fee (per transfer)	N/A
Overdraft Item Fee	$27
Early Account Closure	$25
Returned Deposit Fee (Domestic)	$5
Debit Card Replacement Fee	$5
Bank Teller Fee	$0
Check Cashing Fee	$0
Online Bill Pay Fee	$0
Stop Payment Fee	$27
Check Image Service	N/A
Check Copy	$0.25
Foreign Transaction Fee (Debit Card)	N/A
Wire Transfer Fee - Domestic (Outgoing)	$15
Wire Transfer Fee - International (Outgoing)	$45
Wire Transfer Fee - International (Incoming)	$10
Returned Deposit Fee (International)	N/A
Wire Transfer Fee - Domestic (Incoming)	$10
ATM Reimbursement Monthly Limit	N/A

What features and perks does First Bank & Trust Co. First Class Checking offer?

This account includes the following features:

Fraud monitoring - First Bank & Trust Co. First Class Checking monitors transactions for potentially fraudulent activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
Free Bill Pay - Bill Pay allows you to pay bills easily from your account.
Mobile Banking Services - First Bank & Trust Co. First Class Checking allows you to manage your money online.

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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.