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First Bank & Trust
| Term | Value | Source |
|---|---|---|
| APR for purchases | — | |
| APR for balance transfers | — | |
| APR for cash advances | — | |
| Penalty APRafter a late or returned payment | — | |
| Paying interestgrace period on new purchases | — | |
| Annual fee | — | |
| Transaction fees | ||
| Cash advance | 3% of the amount, minimum $5, are subject to credit approval. Cash advance fee is 3% of cash advance amount (minimum $5.00) and the minimum interest charge is $.50.First Bank & Trust · Page Capture Oct 5, 2026 · Captured Oct 5, 2026 | Website |
| Balance transfer | — | |
| Foreign transaction | — | |
| Penalty fees | ||
| Late payment | — | |
| Returned payment | — | |
| Dream Points rewardsNot disclosed | 1 point per $1. See source conditions for eligible purchases.First Bank & Trust · Page Capture Oct 5, 2026 · Captured Oct 5, 2026 | Website |
| Rewards conditionsDream Points rewards | Point posting timing is not disclosed. Point expiration is not disclosed. Point redemption options are not disclosed. . Earn (1) point for every $1 you spend. All accounts opened by a business will be combined to have the opportunity to accumulate and earn a maximum of 200,000 points per calendar year (January 1-December 31). First Bank & Trust · Page Capture Oct 5, 2026 · Captured Oct 5, 2026 | Website |