Personal Banking

Account Comparison

Which account is best for you?


Savings Accounts Comparison

Account Feature Savings Account Money Market Account Certificates of Deposit Health Savings Account
  Savings Details Money Market Details CD Details HSA Details
Opening Deposit $50 $50 $1000 $50
Minimum Balance to Avoid Service Charges $100 $2500 $0 $0
Monthly Service Charge $3 if balance below $100 $0 $0 $0 with FBTC Checking
Interest Bearing Yes Yes Yes Yes

Account Details

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 for Personal Savings Accounts

Money Market Account

  • $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 for Direct Interest Checking

Certificates of Deposit

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 for Premier Interest Checking

*Contact a customer service representative for more details. Disclosure available upon request.