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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.

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