...friends helping friends



Overdraft Privilege

Prevent the inconvenience and embarrassment of checks returned for insufficient funds with our Overdraft Privilege option. It’s a great money management tool, especially for someone who has a lot of deposit and withdrawal activity and a constantly changing balance. An overdraft fee of $25.00 per item will be imposed. This fee applies to overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. The total negative balance is due and payable upon demand with a maximum repayment period of 30 days. Contact us at 251-368-3148 or stop by our office for further information.

First Access 24/7 Telephone Banking

Call 215-428-4027

First National Bank & Trust’s First Access gives you quick and easy access to all of your accounts at any time of the day or night. Best of all, First Access 24/7 is FREE to all our customers! Rest assured that your financial information is always secure because access is by your personalized Customers I.D. and PIN. This convenient service allows you to:

  • Make account balance inquiries
  • Inquire about a check/debit that has been paid on your account
  • Transfer funds between accounts
  • Receive loan account information
  • Reorder checks
  • Plus many more features

The first time you call First Access 24/7 you will need to have your account number(s) and your social security number handy. Also be prepared to designate a four-digit personal identification number (PIN) for each account. You can use the same PIN number for all your accounts, or individual PIN numbers for each account, if account access is a concern. However, transfer accounts must have the same PIN number on both accounts. Make a note of your PIN. You will need it to make future inquiries.

24-Hour ATM Banking

The FNB&Trust ATM network is another way we provide you with convenient access to your money and account information. Get cash at any FNB&T ATM, as well as thousands of other machines worldwide. Just look for the following authorized network ATMs:

  • ATM – Get cash and account information at any machine displaying the Cirrus or STAR logo.
  • Check Card – Look for merchants displaying the VISA, Cirrus or STAR logo.
  • Credit Card – Look for merchants displaying the VISA or MasterCard logo.

FNB 24-Hour ATM Locations:

  • North Branch
    2633 Luke Lane
    Oklahoma City, OK 73102
  • South Branch
    City Of Commerce, CA 90040
    Phone: 818-203-0901
  • Diamond Gasoline #18 Exit 45 off of I65
    957 West Side Avenue
    Rochelle Park, NJ 07662
  • Excel
    837 Wakefield Street
    Morrisville, PA 19067

Safe Deposit Boxes

A safe deposit box from First National Bank & Trust provides security and peace of mind. Imagine what you would do if important papers or those items you consider irreplaceable, things with sentimental value, were stolen or destroyed in a fire or hurricane. With a safe deposit box from First National Bank & Trust, you can be sure your valuables will be safe and secure for only pennies a day. Box sizes vary and the annual fee is automatically deducted from your FNB&T checking account. For box availability, stop by or call us at 251-368-3148. Safe deposit boxes aren’t currently available in Monroeville and Excel.

Merchant Processing

In today’s fast-paced world, the ability to accept credit cards as a form of payment is critical. It’s an added convenience for your customers, but it can also help you increase sales. Your business can offer this service with First National Bank & Trust’s help.

Merchant processing allows your business to:

  • Increase customer satisfaction
  • Protect your business from possible fraud
  • Ensure the safe and convenient deposit of bankcard transactions
  • Reduce overhead by eliminating many of the accounting, collection and paperwork activities associated with cash and checks.

Give us a call today at 215-428-4027 for more information or to sign up.

Automatic Funds Transfer

Sometimes, even those folk who never overdraw their bank account can make a mistake. That’s why FNB&Trust offers Automatic Funds Transfer. It works like this. If you happen to overdraw your account, we can automatically transfer funds from one of your other FNB&Trust savings or checking accounts to cover the overdraft.

Automatic Funds Transfer can save you from an embarrassing error and the expense of returned check fees that are charged by many merchants, in addition to bank charges. Apply at your nearest FNB&Trust office.


Website provided and maintained for The First National Bank of Atmore 
by Netzee, Inc. Copyright © 2018. All Rights Reserved.