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Everyone has goals: a comfortable retirement, education for children, a new home, travel, and most of us are wondering how we are going to reach these goals. We'd like some guidance in achieving them. We'd like a plan that shows us where we are going and how to get there. We want investments that balance growth and security. And above all, we want professional assistance from people we trust. First International Bank & Trust is dedicated to helping you achieve your goals.
Start building a cash reserve for your future today.
Savings
- Interest is compounded quarterly and paid on the average daily balance.
- $6.00 per quarter service charge on accounts that do not maintain a $200.00 average quarterly balance.
- Customers under 24 years of age or those 65 or older will be exempt from service charges and minimum balance requirement if they notify FIB & T of their birth date.
- Quarterly statement
- Annual percentage yield and interest rates subject to change at anytime.
- 6 automatic transfers each calendar month. Exceeding the transaction limitation is prohibitied by regluation. In person transactions are not limited.
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Tiered annual percentage yield and interest rate based on average daily balance:
Tier 1: $0-$99,999.99
Tier 2: $100,000-$499,999.00
Tier 3: $500,000-$999,998.99
Tier 4: $999,999 and up
- Read the Disclosures regarding this acount.
Kids Club
- Customers 12 years and younger.
- Newsletter and special benefits may be available.
- Read the Disclosures regarding this acount.
First Money Market
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Tiered annual percentage yield and interest rate based on average daily balance:
Tier 1: $1,000-$24,999.99
Tier 2: $25,000-$99,999.99
Tier 3: $100,000-$499,999.99
Tier 4: $500,000-$999,998.99
Tier 5: $999,999 and up
- Minimum deposit of $1,000 required to open the account
- Interest is compounded monthly and paid on the average daily balance.
- Monthly statement.
- Six automatic transfers per month. Three may be made by check to third parties. Exceeding the transaction limitation is prohibited by regulation and results in $5 fee for each over-limit transaction. In person transactions are not limited.
- A $15 monthly service charge if the daily balance is below $1,000.
- CashCard and Check & CashCard are not available.
- Annual percentage yield and interest rate subject to change at anytime.
- Combined statement with checking account.
- Read the Disclosures regarding this acount.
Certificates of Deposit
With our Certificates of Deposit, you decide how long you want to invest your money. We offer a variety of terms providing just the right length for every savings plan.
We've designed a wide range of CD alternatives with your savings style in mind. Select from a menu of traditional, fixed rate CDs to one of our more flexible alternatives. Whichever you choose, you're sure to find the right product to meet your needs. Rates on all of our CDs are updated regularly to reflect market conditions.
- Interest compounded, deposited to an account, transferred or paid by check.
- Terms vary up to 120 months.
- Minimum balance requirements and substantial penalties for early withdrawal vary based on term or type of certificate.
- Special rates may be available to checking and savings account customers.
- Annual percentage yield and interest rates subject to change at maturity.
- Read the Disclosures regarding this acount.
Health Savings Account
- Tax-favored account in which funds are deposited to pay for qualified medical expenses of eligible individuals with high deductible health plans.
- Check safekeeping
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Tiered annual percentage yield and interest rate based on average daily balance
| Tier 1: |
$0 - $2,499.99 |
| Tier 2: |
$2,500 - 9,999.99 |
| Tier 3: |
$10,000 and up |
- Interest compounded monthly and paid on average daily balance.
- Unlimited check writing.
- Complimentary FIB&T custom design checks available.
- No service charge during first 12 months.
- $3 monthly service charge after first 12 months if balance is below $2,500.
- Annual percentage yield and interest rate subject to change at any time.
- Read the Disclosures regarding this acount.
Higher Learning Fund
This is a certificate of deposit that is designed especially for the student(s) in your family. It is an excellent way to save for those future college years.
- Minimum deposit of $100 to open the account.
- Additional deposits can be made at any time with any dollar amount.
- Maturity date based on date of opening and July of graduation year from high school.
- Variable interest rate.
- Substantial penalty for early withdrawal.
- Read the Disclosures regarding this acount.
Individual Retirement Account
You can benefit from an IRA today because you may be able to deduct all or part of your annual contribution from the gross income on your taxes.
We offer a variety of IRA plans. Please contact your local customer service representative for details.
- Traditional, Roth, and Education IRAs.
- Terms vary up to 120 months.
- Minimum balance requirement $25.
- Substantial penalty for early withdrawal except for exempt distributions.
- Annual percentage yield and interest rates subject to change at maturity.
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