Savings Accounts
Personal Savings Account
- $50 minimum opening deposit
- Maintain a $100 minimum balance to avoid a service charge of $3
- Enjoy unlimited deposits
- A withdrawal fee of $3 may apply if the number of transactions exceeds 6 in a 3 month statement cycle
- Withdrawals made by electronic transfer or check are limited to 6 per month
- Link your Personal Savings account to your checking account to cover your overdrafts. We'll transfer from your designated Personal Savings account to avoid any overdraft fees for only $5 per transfer. Sweeps from savings accounts to cover an overdraft are included in the 6 transactions per month.
- Interest rates may change at any time
- Fee Schedule
Electronic statement provided monthly at no cost. Upon request a paper statement can be mailed for a $3.95 per month fee.
Money Market Account
- Higher balances earn higher interest
- Easy access to your funds
- No time restrictions
- Fill out a contact form or call us at 217-228-8000 to get started
- $50 minimum opening deposit
- Maintain a $2,500 minimum balance to avoid low monthly service charge of $20
- Enjoy unlimited deposits
- Withdrawals made by electronic transfer or check are limited to 6 per month
- A withdrawal fee of $10 may apply if the number of transactions exceeds allowable limits
- Earn a higher return from larger balances with tiered interest rates
- Interest rates may change at any time
- Fee Schedule
Electronic statement provided monthly at no cost. Upon request a paper statement can be mailed for a $3.95 per month fee.
Certificates of Deposit
- $1,000 minimum opening deposit
- Penalties may apply for early closure
- Interest rates may change at renewal
- Fee Schedule
Health Savings Account
- $50 minimum opening deposit
- No minimum balance
- No service charges if you have another First Bankers Trust checking account; otherwise $10 per month
- Unlimited check writing
- Variable tiered interest rate account
- Free First Bankers Debit Mastercard®
- Available with a qualifying High Deductible Health Plan (HDHP) – please consult a High Deductible Health Plan provider regarding eligibility and contribution/distribution requirements.
- Unused funds are not forfeited at year-end as with some flexible spending accounts
- Fee Schedule
Electronic statement provided monthly at no cost. Upon request a paper statement can be mailed for a $3.95 per month fee.
*Contact a customer service representative for more details. Disclosure available upon request.