F

First National Bank and Trust

Best ForEveryday Medical Spending
FeesNone ($0 Maintenance)

Quick Summary

  • HSA savings account

The Verdict

First National Bank and Trust provides essential HSA features with zero monthly maintenance fees and basic savings functionality, earning a 0/5.0 rating from HSA Orbit.

Circa 1882. Beloit is a typical small-town American hometown, with a population of no more than 5,000 people and First National Bank and Trust is born. What started as a family-run business more than 140 years ago continues to be a family-run business today. Still proudly serving the people of Beloit and surrounding communities, we have grown to be a leading financial services institution offering products and services for consumers and businesses with 16 full-service locations throughout Southern Wisconsin and Northern Illinois and $1.2 billion in assets. We firmly believe that our rich history and strong connection to the community is what allows us to continue to provide top-notch banking services.

Key Features

Banking & Access

Includes debit card and online banking.

Investment Options

This provider focuses on cash savings without investment options.

Security & Insurance

Deposits are FDIC/NCUA insured for your protection.

Account Details

Requires $50 minimum balance. $20.00 opening fee.

Fee Analysis

Fee TypeThis ProviderIndustry AverageVerdict
Monthly Maintenance$0.00$0.69EXCELLENT
Account Opening$20.00$1.88ABOVE AVG
Account Closing$0.00$1.95EXCELLENT

Industry averages calculated from 853 providers in the HSA Orbit database.

Investment Options

Savings-Only Account

First National Bank and Trust currently offers a savings-focused HSA without investment options. Your funds earn interest in a cash account.

Interest Rates

Interest rates are not currently available for this provider.

Contact Information

Address

345 E Grand Avenue Beloit, WI 53511 Customer Service

Customer Service

1-800-667-4401

345 E Grand Avenue Beloit, WI 53511 Customer Service

At a Glance

Monthly Fee$0
Investment ThresholdN/A
Interest Rate (Cash)Not published
Debit CardIncluded
FDIC InsuredYes

Pros & Cons

The Good

  • No monthly maintenance fees
  • FDIC/NCUA insured deposits

The Bad

  • No investment options available
  • Interest rates not published

User Sentiment

Based on community feedback

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NegativeNeutralPositive

Sentiment data coming soon

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