FAQ
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Direct Deposit
Direct deposit is a safe way to have your money deposited directly into your checking, money market, or savings account.  The most common use of direct deposit is payroll.  When you use direct deposit, you allow your employer to electronically transfer money into your account, but you will still receive a paystub from your employer to verify accuracy.  So, instead of taking the time to cash a check yourself, the money will be automatically deposited into your account.

Why use Direct Deposit: - send the direct deposit authorization form to the company making
                                               the deposit, for payroll direct deposit please give this form to your
                                               Human Resources Department.

• Security—with direct deposit, you don’t have to worry about lost, stolen, and misplaced checks
• Reliability—you no longer need to wait for your check to arrive in the mail.  You have peace of mind knowing your money will always be in your account on time
• Flexibility—if you decide to switch accounts, it’s easy to change your direct deposit arrangements—simply fill out a form and provide your written authorization
• Convenience—No more special trips to cash your check—a nice feature if you’re busy, on vacation or away on business

Safe Deposit Boxes
Safe guard your family heirlooms, irreplaceable items with great sentimental value, stock certificates, your will, and insurance policies in a safe deposit box.  We offer safe deposit boxes in several different sizes. More

Bank by Mail
Deposits and Payments can be mailed directly to:

First Trust and Savings Bank
P.O. Box 425
Albany, IL  61230

FREE special bank envelopes are available for this service.

Notary Service
If you need to have your signature on a document legally verified, we have bank staff members who are notary publics.  We can also provide signature guarantees for stock transactions.  Do not sign the document before coming into the bank as our representatives must witness your signature.  This service is FREE to our customers.

Wire Transfer Services
If you or someone you know needs cash in a hurry, we can arrange a same day transfer to almost any location, foreign or domestic.  Small amounts can be arranged by phone.  Higher amounts require a written authorization signed by the account owner.

Night Depository
This gives you the security of overnight safekeeping of your funds.  We have night deposit bags available for your business’s deposits.  Our night depository drop is located next to the drive-up window.  You simply purchase a bag from us and pay a deposit on the key to the drop box.

Bank Money Orders
If you’re making a sizeable cash purchase or transaction, a bank money order is a good option.  Recognized and accepted as readily as cash by almost every store, resort, or institution, they represent the bank’s obligation rather than your personal obligation. 

Drive Through Banking
Perform almost any checking or savings transaction or make a loan payment at our convenient drive-up/walk-up window on the back side of our building.  Drive-up hours are:

Monday-Thursday:  8 a.m.-5 p.m.
Friday:                        8 a.m.-6 p.m.
Saturday:                   8 a.m.-12 p.m.

FDIC Insurance
The Federal Deposit Insurance Corporation is an independent agency of the U.S. Government that protects depositors’ accounts against loss of funds.  FDIC insurance protects individual account up to $100,000 and joint accounts up to $200,000.  Call (309) 887-4335 or (800) 651-1365 or stop in to talk to one of our officers for further options to increase your FDIC insurance coverage at no additional expense.

You can feel secure in safeguarding your money at First Trust and Savings Bank.  We have a capital to asset ratio of 19%, very strong by banking standards.  For over 100 years, we’ve invested in the businesses and individuals of this community, and they in turn have placed their trust in us.

Gift Ideas
We have many options for gifts that will help your loved one secure a bright future.

• Certificate of Deposit
• Coins of America
• U.S. Savings Bond

Check Re-Order
Place a reorder for Personal or Business checks through our check vendor by clicking the Clarke American logo below.

Personal Checks reorder

Business Checks reorder

Lost or Stolen ATM/Debit Card
Call First Trust and Savings Bank at (309) 887-4335 or (800) 651-1365 and we will take care of this for you.  If you are calling after hours follow the simple automated system.