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First National Bank and Trust (AL)

Popular Accounts at this Bank

1.01%Reward CheckingE-Access Checking
2.02%5-year CD5 Year CD
1.05%1-year CD1 Year CD

Overview / Commentary
111 South Main Street
Atmore, AL 36502

First National Bank and Trust (AL) is headquartered in Atmore and is the 75th largest bank in the state of Alabama. It is also the 3,716th largest bank in the nation. It was established in 1915 and as of June of 2017, it had grown to 46 employees at 4 locations. First National Bank and Trust (AL)'s CD rates are 17% higher than the national average, and it has an A health rating.

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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 Grade Components

FDIC Certificate #2779
Year Established1915
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.83%
Return on Equity - YTD7.07%
Annual Interest Income$2.4MM
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$137.2MM$130.0MM
LoansQ2 2017vs Q2 2016$75.2MM$68.2MM
DepositsQ2 2017vs Q2 2016$120.0MM$111.8MM
Equity CapitalQ2 2017vs Q2 2016$16.9MM$17.0MM
Loan Loss AllowanceQ2 2017vs Q2 2016$1.3MM$1.8MM
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$894.00K$310.00K
Real Estate OwnedQ2 2017vs Q2 2016$45.00K$45.00K
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* 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

0.75%--Christmas Club
0.30%$50-Statement Savings

First National Bank and Trust (AL) Money Market Rates

0.30%$2k-FNB MMA

First National Bank and Trust (AL) Checking Account Rates

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

First National Bank and Trust (AL) CD Rates

2.02%$1k-5 Year CD
1.66%$1k-4 Year CD
1.59%$1k-3 Year CD
1.26%$1k-30 Month CD
1.05%$1k-1 Year CD
1.05%$250-FNB Jump Start CD
1.00%$1k-2 Year CD
0.85%$1k-18 Month CD
0.75%$1k-15 Month 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

2.02%$1k-5 Year IRA
1.66%$1k-4 Year IRA
1.59%$1k-3 Year IRA
1.26%$1k-30 Month IRA
1.05%$250-FNB Jump Start IRA
1.05%$1k-1 Year IRA
1.00%$1k-2 Year IRA
0.85%$1k-18 Month IRA
0.75%$1k-15 Month IRA
0.20%$1k-182 Day IRA
0.05%$1k-31 Day IRA
0.05%$1k-91 Day IRA

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