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First Bank & Trust Company Raises Awareness of Elder Abuse

According to the National Council on Aging, almost 90 percent of the financial abuse committed against older Americans is done by someone they know. More than ever, it is imperative for seniors to select a trustworthy person to properly manage their finances and personal affairs. 

“Fraudsters often prey on seniors experiencing cognitive decline, limited mobility and other disabilities that require them to rely more heavily on others for help,” stated W. Mark Nelson, President and CEO of First Bank & Trust Company. “Appointing someone you trust to handle your financial matters aids tremendously in the fight against these crimes.”

In recognition of World Elder Abuse Day on June 15th, First Bank & Trust Companyoffers seven tips to help choose the right financial caregiver and prevent financial abuse: 

·          When delegating financial decisions, make sure it’s someone you trust. If you are unable to facilitate financial transactions, carefully choose a trustworthy person to act a…
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Introducing, My Finances

Seeing the Big Picture on Your Finances
What keeps you up at night? For many of us, the concern is finances. “How am I going to finance my retirement?” Or, “How are we going to save the funds for that dream vacation?” Or maybe the narrative is something like, “How am I going to get these debts paid?” The first step to managing your finances is the ability to see the big picture. Managing your finances is not rocket science, but it does take discipline. A good place to start is with an online financial management tool. 
Online financial management tools are linked to your online banking account, and can provide the necessary insight to help you manage living costs, and identify areas where you can save. Online financial management tools give you the ability to view your investments (like 401k's) and loan balances (like your mortgage) as well as credit card and bank accounts. What most people may not realize is the full potential of online financial management tools, and how they can …

3 Banking Mistakes That Could Cost Your Business Money in 2020

1. Choosing the wrong bank to partner with for your business.Banks, just like businesses, have a "niche" and focus their products and services on catering to specific audiences. You wouldn't take your Bentley to Walmart for service, just like you shouldn't let just any bank handle your business's financial needs. Some banks specialize in providing services for consumers with personal banking needs, while others focus on servicing businesses large and small. It's important to know there is no "one-size-fits-all" loan program that works for every business. 
It's essential to find the right bank that understands your business is your livelihood. A suitable commercial lender will learn your short term and long-term business goals and provide strategic financial guidance for the future of your business. He or she will place the best interest of your business at the forefront of the relationship. Like any great business partner, your commercial banker …

How Secure Are Your Debit & Check Cards?

When it comes to using debit cards or check cards, you may worry about security and safety - especially if you are using them online. This is likely because there are many news stories about scam artists who may try to steal access to your checking account via your debit card information. There's also a number of misconceptions out there that lead people to believe that, unlike credit card protection features, you'll simply be out of luck if someone begins making purchases from the checking account linked to your debit card or check card. This is simply not true. Fortunately, there are many security features in modern debit cards and check cards that help prevent theft and unauthorized use. The following are some of the common safety features that most debit cards have, including a few that are unique to our First Bank and Trust debit cards:



The MobiMoney App When it comes to our customer's safety and security, First Bank and Trust goes above and beyond by offering the MobiMon…

Commercial Loans and The Community

We’ve all heard them. There is no shortage of cheesy jokes about bankers. By the very nature of their profession, they are easy prey to comedians. What you don’t hear very often is the truly good things community bankers do.  Some success stories have enough “feel good” to supply the Hallmark Channel with a line up for six months. For the sake of explaining the impact of community banking, let’s take a look at the fictional town of East Park.

East Park was a thriving downtown village in the 50’s, 60’s and the early 70’s. Huge buildings with charming storefronts lined the streets.  At the heart of the downtown district was the local drug store where people sat on swivel chairs and caught up with each other over a grilled cheese sandwich and a root beer float. People liked that you could get your prescription, buy a birthday card and have lunch, all right there in downtown East Park.

The demise of East Park’s downtown was something that took place over an extended period of time, but th…

From Hometown To Campus, We've Got You Covered

We offer products and services to meet the needs of our customers throughout the many different stages of life. Here are the best ones for college students.

Checking with Perks Where else can you get roadside assistance, cell phone protection and discounts all from your checking account? Gain access to the FirstPerks app when you open a Checking with Perks account and enjoy over 450,000 discounts and deals from national retailers and local businesses. Use this budget-friendly feature of the FirstPerks app to save money in your hometown or at your favorite places around campus.


Card Control with MobiMoney Maintaining academics and a social life can be challenging and the last thing you want to deal with is a missing check card. With MobiMoney, you can turn your card on or off from your mobile device. But that’s not all. MobiMoney also allows you to set spending limits and monitor transactions within the app or by receiving instant alerts via text message. You can even set merchant prefer…

Choosing The Right Payment Processing Equipment for Your Business

Operate your business smarter, not harder by choosing the right payment processing equipment.
There are a multitude of duties and responsibilities that demand your time when you’re running a business. Aside from managing inventory, supervising employees and all the other administrative duties, your payment system may not be top-of-mind, which could be a deal-breaker when it comes to making your business more profitable. Choosing the right equipment can seem like a daunting task, but it’s all about understanding how you want to get paid.


Accepting credit cards, checks or both If you accept credit cards, the Clover suite of products makes doing business easier by providing you with the right mix of POS hardware and software allowing your business to accept credit cards, EMV® chip and contactless payments like Apple Pay® from customers, safely and securely.

Powered by technology from First Data, an industry leader in payment processing solutions, Clover is not just an EMV solution, it&#…