What it does
First Bank and Trust Company provides online and mobile banking with electronic account statements. Customers can keep downloaded copies, change delivery preferences and arrange separate access for joint holders. Free Checking has no monthly maintenance fee or ongoing minimum balance.
Build your own statement archive
Select an account and open eStatements, then choose the statement to download or print. History remains available for up to 18 months, so save older records before they leave that window. Enrollment takes effect for the next statement cycle, with an email when a new statement is ready.
For a joint account, only the primary holder receives eStatements unless both people enroll separately using their own logins. Each eligible account can be selected for electronic delivery.
To return to paper, open your profile’s Account Settings, select the account, then Advanced Settings under eStatements. Use Documents and Settings to deselect electronic delivery. Paper statements cost $2; eStatements are free.
Personal checking choices
| Account | Opening deposit | Monthly maintenance |
|---|---|---|
| Free Checking | $50 | $0 |
| Checking with Perks | $50 | $5 |
| Premier Checking with Perks | $2,500 | $5, waived with a $2,500 balance |
Free Checking and Checking with Perks have no ongoing minimum balance requirement. The accounts include mobile and online access, bill payment and eStatements.
Opening an account normally requires government-issued identification, proof of address and a Social Security number. After opening, enroll for digital access on firstbank.com or in the First Bank and Trust Company app.
Strengths
- Statements can be downloaded and printed
- Joint holders can enroll separately for electronic delivery
- Free Checking has no monthly maintenance fee
Watch out for
- The online statement archive covers only 18 months
- Paper statements cost $2
Best for
- First Bank and Trust customers keeping personal or joint-account records
Sources
- First Bank and Trust Digital Resource Center: Statements (Oct 27, 2026)
- First Bank and Trust Personal Checking Comparison (Oct 27, 2026)
- First Bank and Trust Account Opening and Digital Enrollment FAQ (Oct 27, 2026)