First Bankers Trust is a national bank offering personal and business banking, lending, mortgages, and digital services across central Illinois locations.
Editorially reviewed by Harvey Brooks
First Bankers Trust Company, National Association is a community-focused national bank headquartered in central Illinois with branches across multiple locations including Springfield, Macomb, Carthage, Mendon, Rushville, O'Fallon, and St. Charles. The bank has been serving customers through traditional brick-and-mortar banking with a modern digital platform. First Bankers Trustshares, Inc. is the parent holding company, and the bank operates under federal charter with FDIC insurance protection.
First Bankers Trust offers comprehensive personal banking services including multiple checking account tiers (Simply Free, Direct Interest, 50 Plus Interest, Premier Interest), savings accounts, certificates of deposit, and individual retirement accounts. On the lending side, they provide mortgage products (conventional, USDA Rural Development loans, home equity lines of credit), consumer loans (auto loans, installment loans, ReadyLine), and commercial financing (agricultural loans, refinancing, equipment funding). The bank also maintains personal credit cards, business credit cards, and investment services through First Investment Services. Digital banking capabilities include mobile app, mobile deposit, telephone banking, and online payment processing.
The bank distinguishes itself through its focus on community presence with multiple physical branch locations and ATM access via the nationwide surcharge-free ATM Money Pass program. They emphasize mortgage lending expertise with dedicated mortgage bankers, mortgage center resources, and a "Mortgage Lending 101" educational section. First Bankers highlights digital innovation with a new mobile app platform designed for both consumer and business customers. The bank offers specialized products like ReadyLine (flexible credit access), FBTC Card Control (debit card management), and identity theft protection. Community engagement programs include referral incentives and promotional campaigns like account opening contests.
As a regional community bank, First Bankers Trust is best suited for customers in their service areas seeking personal relationships with loan officers and local branch access. However, the bank's geographic footprint is limited to central Illinois and the St. Charles/O'Fallon area, which restricts accessibility for customers outside this region. The website does not prominently display interest rates, APYs, or loan terms, requiring customers to contact the bank directly for pricing information. Like most traditional banks, they operate on standard banking hours rather than 24/7 availability, though digital channels provide some convenience.
Yes. First Bankers Trust Company, National Association is a registered company headquartered in Quincy, IL, founded in 1946. They hold a rating with the Better Business Bureau.
Account opening typically takes 1-3 business days. Loan decisions vary by product.
CreditDoc Diagnosis
First Bankers Trust is best for customers within central Illinois and the St. Charles/O'Fallon region seeking traditional community banking with digital conveniences and mortgage expertise. The main caveat is limited geographic availability and the need to contact the bank directly for interest rates and specific pricing, as these are not published online.
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