Man using adding machine and iPad.

Personal Checking & Savings

At 1st Trust Bank, we look to offer products that allow our customers to stay in touch with us and their finances on the go.  Start your account application now!

From comprehensive online banking at your home or office to our mobile banking solution through your smartphone, we strive to embrace technology while realizing that it means nothing without the people behind the products taking care of those who have allowed us to grow since 2004, you the customer.  We trust you will find the product right for you.

1st Trust Bank is proud to present Zelle for all personal accounts!  Learn more about this peer to peer payment system that you can use directly in the 1st Trust Bank mobile app by checking out our Consumer FAQs.

All Checking & Money Market Accounts Include:

  • FREE ATM/Debit Card (at account open and at expiration, replacement cards subject to fee)
  • FREE Online Banking, Bill Pay and Mobile Banking (including mobile deposit) with enrollment
Truly Free Checking
  • Only $50 to Open
  • No minimum balance required
  • No monthly service charge
  • Unlimited Transactions
  • Free Thank You gift at account opening (Limit of 1 per new account)

Easy Interest Checking
  • Only $50 to open
  • No minimum balance required
  • No monthly service charge
  • FREE standard checks* (1st box)
  • Earn competitive interest with direct deposit or any automatic payment!
  • Free Thank You gift at account opening (Limit of 1 per new account)

1st Trust 50 Plus Checking
  • Only $50 to open
  • Perfect for customers 50 and better! At least one person on account must be 50 years or older at opening
  • FREE standard checks* (1 box annually)
  • Earn competitive interest on your entire balance
  • No minimum balance
  • No monthly service charge
  • Free Thank You gift at account opening (Limit of 1 per new account)

Premium Interest Checking
  • Only $50 to open
  • FREE standard checks*
  • Higher interest rate with a balance of $1,500 or more
  • Competitive interest if balance falls bellow $1,500
  • Only $6 monthly charge if minimum balance falls below $1,500.
  • Free Thank You gift at account opening (Limit of 1 per new account)

Money Market
  • Interest bearing account
  • Interest compounded and paid monthly
  • Only $2,500 to open
  • 6 free withdrawal transactions per month
  • No monthly service fee with $2,500 minimum daily balance
  • Deposit and Check images with monthly statement for easy record keeping

Savings
  • Interest bearing account
  • Interest is compounded and paid quarterly
  • $25.00 initial deposit
  • 6 free withdrawal transactions per month

Time Deposits
  • Check out our competitive rates on "CD's", IRA's, and Savings Accounts. (Interest rates are subject to change. Call our Main Bank at 606-435-BANK for more information.)
  • Minimum opening balance of $500
  • Currently available in terms from 3 months through 24 months