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  First Bank and Trust Free Checking

First Bank and Trust Free Checking

in Checking Accounts from First Bank and Trust · Member fdic

Unaffiliated

First Bank and Trust Free Checking

Unaffiliated

in Checking Accounts from First Bank and Trust · Member FDIC

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

First Bank and Trust Free Checking Review

First Bank and Trust Free Checking is offered by First Bank and Trust, a bank founded in 1925 and based in Brookings, SD. First Bank and Trust Free Checking is available in 2 states across the USA.

Key Takeaways
  • 0% APY. As with most checking accounts, First Bank and Trust Free Checking does not pay interest.
  • $0 monthly fee. This account does not charge a monthly maintenance fee.
  • Small minimum initial deposit. You only need $1 to open an account.
  • Free bill pay. Pay your bills to practically anyone in the United States through First Bank and Trust.
  • Hard credit pull. First Bank and Trust may require a hard pull on your credit report to open a checking account.
First Bank and Trust Free Checking Pros & Cons
Pros Cons
  • Access to physical branches.
  • Free debit card
  • Access to a nationwide network of ATMs.
  • No charge on incoming domestic or international wire transfers.
  • No signup bonus.
  • Does not earn interest
  • Only available in 2 states.
First Bank and Trust Free Checking FAQ

Are checking accounts from First Bank and Trust federally insured?

Yes, your First Bank and Trust checking accounts are insured up to $250,000 per person by the Federal Deposit Insurance Corporation (FDIC). 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 and Trust Free Checking offer?

First Bank and Trust Free Checking is not an interest-bearing account.

What are the account minimums for First Bank and Trust Free Checking?

First Bank and Trust Free Checking requires a minimum initial deposit of $1 to open an account.

First Bank and Trust Free Checking Account Minimums
Description Amount
Minimum Opening Deposit $1

What fees does First Bank and Trust Free Checking charge?

The good news is that this account does not have a monthly service charge.

First Bank and Trust Free Checking Fees
Description
ATM Fee: In-Network $0
Bank Teller Fee $0
Check Cashing Fee $0
Monthly Fee $0
Online Bill Pay Fee $0

What features and perks does First Bank and Trust Free Checking offer?

This account includes the following features:

  • Fraud monitoring - First Bank and Trust Free 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 and Trust Free Checking allows you to manage your money online. This includes depositing checks in your account with your smartphone.
  • Nationwide ATM network - Conveniently transact at a nearby ATM.
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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.

Availability

  Available in 2 states
  • Minnesota
  • South Dakota

Feature Breakdown

APY Minimum Balance $0
Minimum Opening Deposit Starting at $1
Minimum Balance to Avoid Monthly Fee $0
ATM Fee: In-Network $0
Bank Teller Fee $0
Check Cashing Fee $0
Monthly Fee $0
Online Bill Pay Fee $0
Bank Account Features
  • Free Bill Pay
  • Mobile Check Deposit
  • No Monthly Maintenance Fee
  • Nationwide ATM Network
  • Mobile Banking
  • Fraud Monitoring
  • Fraud Protection
  • Debit Card
  • Branch Access
  • FDIC Member
  • Check Writing

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