The Checking Account that Pays You Back! With today's interest rates at all-time lows, checking accounts don't earn the money they used to. With CashBack Checking, you can earn ten cents when you use your debit card!* That adds up fast!

Plus, with Purchase Rewards, you can earn cash rewards or discounts at select retailers when you make purchases with your FirstBank & Trust CashBack Debit Card! No other bank in town makes it this easy to earn money on your account!

EZ Switch is the easiest way to switch to a new checking account at FirstBank & Trust. Simply bring us your last month's bank statement from your previous bank. We will identify what payments and deposits you have already set up. We'll need you to sign a form giving us permission to contact those companies and/or individuals on your behalf to switch them to your new FirstBank & Trust Account Number and Routing Number.We will then contact those businesses and/or individuals and switch them to your new account.

We make every effort to switch all bill payments and direct deposits to your new account. However, there are some companies that refuse to make changes to an account without directly hearing from the customer. We will gladly contact them with you in one of our branches, or you will need to contact them at your convenience.

With a CashBack checking account, when you use your debit card as a Signature Based Transaction you will earn ten cents ($.10) per transaction*. Don't let bank terminology confuse you. To put it another way, as long as you don't use a PIN (Personal Identification Number) you will earn CashBack Reward(s). That means if you use your card at an ATM or use your PIN to make a purchase, you will not earn a CashBack Reward for that transaction. Qualifying CashBack Rewards accumulate throughout the month. Currently there is no limit to the amount of rewards you may earn. For example, if you make 100 qualifying purchases in one month, $10 in CashBack Rewards will be deposited into your account. If you make 200 qualifying purchases, $20 will be deposited into your account.

There are several ways to change your current account to a cashback checking account.

Many stores have this option set up as a convenience for the customer. All machines will allow you to cancel the PIN prompt and use your card with a signature.   Ask the cashier to help you make a credit transaction instead of a debit transaction. This usually involves simply hitting the "Cancel" or "Enter" button, which will cause a screen to be displayed that will allow you to sign for your purchase.

In today's banking environment, fraud and theft are our utmost concern. We go to great efforts to protect our customers' identity and their money. A lot of fraud occurs today by stealing a debit card number, not the physical card itself. A PIN is a simple four digit number which computer hackers can easily compromise with sophisticated algorithms. Even with modern technology, it is still much harder to forge a signature than it is to steal a PIN number. If fraudulent charges ever occur on your debit card, Visa ensures that you will have no liability for purchases made by signature based transactions. That's why we have chosen to reward Signature transactions and not reward PIN transactions.

Yes! As long as you did not use your PIN, you will earn the reward.

Many stores will allow small purchases without a signature simply for the sake of convenience. A store may elect to allow these transactions under a certain dollar amount. They don't want to take up a customer's time and the time of the customers in line by forcing someone to sign for every transaction. They assume the risk in the event that a thief has used a stolen card to make that purchase. For purchases over a certain amount, they usually require a signature.

Yes! As long as you did not use your four digit PIN, you will earn the reward.

CashBack Rewards are tabulated throughout your account statement cycle and then deposited on the last day of your statement cycle. Check your transaction history on your statement to see the amount of CashBack Rewards you've earned in your account each month.

Currently there is no cap or limit to how much money you can earn with CashBack Checking. The only limit is the amount per transaction of ten cents ($.10). For example, if you make 100 qualifying purchases in one month, you will earn $10 that will be deposited into your account on the last day of your account statement cycle.

If you return any of the items you purchased, an amount of ten cents ($.10) will be debited from your CashBack Rewards accumulation per return transaction.  Example: If you make 100 qualifying purchases in a month, but make 2 returns at businesses where you made those purchases, then you now only have 98 qualifying purchases.  In this scenario, a deposit in the amount of $9.80 will be made into your account at the end your statement cycle.

*Ten Cents ($.10) is the amount paid as of September 4th, 2012. We reserve the right to determine in our sole discretion whether a particular FirstBank & Trust CashBack Debit Card or cardholder is eligible to participate in the Program. Cash Back Rewards are issued per account. We may modify, restrict or change the Program at any time. Such changes may include changing the value you earn or imposing, increasing or eliminating cash back caps, or changing the conditions under which your cash back rewards expire or are forfeited. We also reserve the right to suspend or terminate the Program, or your participation in the Program, or to change the redemption value of the cash back rewards already accumulated at any time without compensation to you.
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