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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.