Featured Savings Rates
Featured Accounts

First National Bank and Trust (AL)

Popular Accounts at this Bank

APYACCOUNT TYPEACCOUNT NAME
1.01%Reward CheckingE-Access Checking
1.76%5-year CD5 Year CD
0.30%1-year CD1 Year CD

Overview / Commentary
251-368-3148
111 South Main Street
Atmore, AL 36502

First National Bank and Trust (AL) is headquartered in Atmore and is the 77th largest bank in the state of Alabama. It is also the 3,880th largest bank in the nation. It was established in 1915 and as of June of 2016, it had grown to 48 employees at 4 locations. First National Bank and Trust (AL) has an A+ health rating.

Related Posts

View all posts from:


Reviews (2)

Great Bank, Wonderful People, Just A Couple Of Caveats

Posted by: crender | Oct 3, 2012

This is a great little hometown bank with really nice people - I've had several interactions with them and they really are a breath of fresh air! The interest rate listed for their Reward Checking account (eAccess Checking) is for real. The rate has been stable and consistent now for the last several years and the account terms are plain and transparent. All that being said, however, there are a few things that you will need to be aware of:

1.) As of my writing this, there are major issues with their online application process. You get error messages that suggest the application process didn't work but as it turns out, sometimes it does - not very encouraging when you're trying to send sensitive information like Social Security Number over the wire. For this reason, I'd advise you to avoid applying online and either call them on the phone or stop by in person to get more information or to apply for an account.

2.) It may take them a while to get back with you. It was several days after my (surprisingly) successful online application before I heard anything back. If you call, you can probably avoid this delay.

3.) Even though the account is called "e-Access" and you do have to access your account online to get the Interest benefits,  you still have to be onsite to open the account. It wasn't a problem for me - just a quick little road trip - but if you're not within driving distance then this probably isn't the account for you.

All that being said, I love these folks and highly recommend them but only if you're local or willing to travel.

Don't Bother To Apply

Posted by: DBourrie | Sep 8, 2012

I have opened about 15 accounts over the past 5 years in states ranging from Nebraska to New York following high yeild interst rates. I attempted three times since 15 Aug 2012  to open an account with the First National Bank of Atmore, Alabama.

I waited until the advertised upgrade of the web interface before trying to open an account. After the upgrade, the on-line application is very limited - only collecting contact info, SSN, and a relative not living with you. Some institutions such as Pen Fed have fully automated open an account application that includes ACHing the initial deposit.

The first time, I submitted the online pdf form and in severral days I received a voicemail. I returned the call and left a voicemail. Then NOTHING.

After two weeks, I submitted another online pdf form. After 3 working days, I called the bank and was asked the state I live in. When I answered Alabama, I was asked what part of the state. After I answered, I was put on hold to wait for a customer service person and after 15 minutes disconnectted.

My interpretation, First National Bank of Atmore, Alabama does not want my business.

 

 



Health
A+

Health Grade Components

Overall
FDIC Certificate #2779
Year Established1915
Employees48
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.9%
Return on Equity - YTD7.03%
Annual Interest Income$2.2MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$130.0MM$123.9MM
LoansQ2 2016vs Q2 2015$68.2MM$63.6MM
DepositsQ2 2016vs Q2 2015$111.8MM$108.3MM
Equity CapitalQ2 2016vs Q2 2015$17.0MM$15.4MM
Loan Loss AllowanceQ2 2016vs Q2 2015$1.8MM$1.9MM
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$310.00K$730.00K
Real Estate OwnedQ2 2016vs Q2 2015$45.00K$118.00K
Rates
Report an Issue

Always verify rates and promotions with the bank or credit union. We are not First National Bank and Trust (AL); we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First National Bank and Trust (AL) Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.75%--2013 Christmas Club
0.30%$250-FNB Jump Start CD
0.30%$250-FNB Jump Start IRA
0.30%$250-FNB Jump Start Roth IRA
0.30%$250-FNB Jump Start CESA
0.30%$250-FNB Jump Start SIMPLE IRA
0.25%$50-Statement Savings

First National Bank and Trust (AL) Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%$2k-FNB MMA

First National Bank and Trust (AL) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.01%*-$25kE-Access Checking - Qualifying
OTHER TIERS: 0.25% $25k+
0.20%$50-FNB NOW

First National Bank and Trust (AL) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.76%$1k-5 Year CD
1.26%$1k-4 Year CD
1.00%$1k-3 Year CD
0.75%$1k-2 Year CD
0.50%$1k-30 Month CD
0.35%$1k-18 Month CD
0.30%$1k-15 Month CD
0.30%$1k-1 Year CD
0.20%$1k-182 Day CD
0.05%$1k-31 Day CD
0.05%$1k-91 Day CD

First National Bank and Trust (AL) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.76%$1k-5 Year IRA
1.26%$1k-4 Year IRA
1.00%$1k-3 Year IRA
0.75%$1k-2 Year IRA
0.50%$1k-30 Month IRA
0.35%$1k-18 Month IRA
0.30%$1k-1 Year IRA
0.30%$1k-15 Month IRA
0.20%$1k-182 Day IRA
0.05%$1k-31 Day IRA
0.05%$1k-91 Day IRA
Locations


First National Bank and Trust (AL) Locations
The First National Bank and Trust111 South Main StreetAtmore, AL 36502
Excel Branch Of First National Bank and Trust67 Highway 136 EastExcel, AL 36439
Atmore Branch207 North Main StreetAtmore, AL 36502
Lindberg Avenue Branch104 Lindberg AvenueAtmore, AL 36502