First Trust Bank

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Personal Banking

Personal Banking

Personal Banking                                       

Personal Checking. . .*

Value, Convenience, and Service, Service, Service!

Account FeaturesPersonal CheckingInterest-Bearing CheckingE Checking
 Great full-service checking value.Check images returned in monthly statementAll of the features of Personal Checking plus interest
  • Interest paid monthly on entire balance
  • Rate increases as balance rises
Simple, convenient, economical with no monthly fees and no minimum balance.
Opening Deposit$100$100$100
This Account Can Be Fee-Free...
  • Direct Deposit of Payroll, Social Security, or other recurring deposit
  • $500 minimum balance or $1,000 avg. balance, or $10,000 total personal accts.
  • Direct payment from this acct. of FTB loan or 2 automatic debits like utilities/credit cards/loans.
  • If you have an FTB mortgage or home equity loan.
  • $1,000 minimum balance or
    $2,500 avg. balance or
    $10,000 total personal accts
No fee anytime

This account will convert to a Personal Checking Acct. if no deposits, checks, or electronic payments occur within a 90-day period. All benefits and costs of Personal Checking would apply.

Monthly fees
  • None if No Fee Status maintained; otherwise $7.00/month.
  • None if No Fee Status maintained; otherwise $7.50/month.
  • None
Benefits
  • Monthly statements with check images/May combine with savings statement. Electronic statement available.
  • FinanceWorks
  • $500 Overdraft Protection and Overdraft Transfer from Savings Available.*
  • Online Banking/Bill Pay*
  • Monthly statements with check images/May combine with savings statement. Electronic statement available.
  • FinanceWorks
  • $500 Overdraft Protection and Overdraft Transfer from Savings Available.*
  • Online Banking/Bill Pay*
  • E-statement.
  • Finance Works
  • $300 Overdraft Protection Available*
  • Online Banking
  • Bill Pay Option*

Member
FDIC

*Account Disclosure provides more information about deposit accounts. Bill Pay service is provided free with Personal and Interest Bearing accounts. 20 free transactions are included for Personal and Interest-Bearing Checking. Additional transactions are $.35 each. Bill Pay transactions for E-checking are $ .35/ item. Must qualify for debit cards and Overdraft Protection. Overdraft fees apply with Overdraft Protection. By federal regulation the total number of preauthorized, automatic, computer or telephone transfers from savings are limited to six per calendar month. There is a $7 fee for each overdraft transfer from savings. Those transfers may result in a low balance fee. Account fees may reduce earnings.

FDIC Equal Housing Lender