Advantage Account

Designed with you in mind.

Maintain $5,000 minimum daily balance to receive a refunded monthly service charge AND get up to $25 in refunded ATM fees automatically per statement cycle.


Minimum Opening Deposit: $5,000
Monthly Service Charge $12.95

Additional Advantages:

  • Free Debit Card - available for use with mobile wallets
    (Apple Pay®, Samsung Pay®, Android Pay®)
  • Free CardValet® App - you define when, where and how your debit and credit cards are used
  • Free Online and Mobile Banking**
  • Free Mobile Check Deposit**
  • Free standard Bill Pay**
  • Free electronic Person-to-Person standard payments through Zelle®**
  • Free eStatements - no additional charge for mailed paper statements (and check images if requested)
  • Free First International Bank & Trust checks
  • Free first year rental of safe deposit box (up to $15 credit/based on availability)
  • Up to $500 off closing costs for first mortgage***
  • Reduced interest rate on personal loan with an automatic payment
  • Free notary services
  • Free annual MoneyGuidePro® financial plan with investment representative****
  • Free insurance quote for home, auto and other personal needs****
  • Special Credit Card Offer
    Open a First International Bank & Trust Credit Card within the first 90 days of opening your Advantage Account and receive 12 month, 0% introductory APR on purchases and balance transfers for the first 12 billing cycles on a personal First International Bank & Trust Credit Card with uChoose points. After that, the APR for purchases and balance transfers will be either 14.88% or 9.99% depending on whether you qualify for a Badlands Visa or MasterCard or a First Platinum Visa card. APR for cash advances is 18.00%. Fee for cash advances or balance transfers is $5.00 or 3% of the amount of each cash advance, whichever is greater. Minimum interest charge is $1.00 and for foreign purchases, a fee of up to 1% of each transaction in U.S. dollars is applied.*****

Open Account

Truth in Savings Disclosure - Advantage Account

Interest rates effective as of 4-3-17, set at Bank discretion, and may change at any time. This is a variable rate account and the rate may change after the account is opened. Fees may reduce earnings on the account. Limit of two advantage accounts per household. *In order to obtain the disclosed APY for an account with a Qualifying Loan Relationship you must have an outstanding principal balance of $25,000 or more on a consumer installment, HELOC, First Plus Line of Credit, or closed-end consumer residential portfolio mortgage loan with First International Bank & Trust. Loans for same account owners apply. Lines of credit include amount outstanding versus available credit. **You may be charged access or data usage fees by your provider based on your internet or phone plan. Additional fees will apply for same day or overnight payments through Bill Pay. ***Limited to one per household per loan application. **** Not FDIC or any federal agency insured. No bank guarantee. May lose value. *****Subject to credit approval. Introductory rate available for new card holders only. Additional limitations, terms and conditions apply. Please see the full disclosure included with the application for more details. After the introductory period, the standard purchase APR will be applied to unpaid introductory balance, new purchases, and new balance transfers. No annual fee.