First National Bank and Trust is a financial institution. It offers financial and business banking services. Its personal products include checking and saving accounts. The bank provides agricultural, commercial, vehicle and real estate loans. It also offers home improvement and construction loans. The bank offers online telephone banking and automatic funds transfer services. It offers individual retirement accounts and personal saving plans. The bank provides credit and debit cards for shopping and other purposes. It operates various ATM s worldwide and offers withdrawal, balance inquiry and money transfer services. First National Bank and Trust maintains a location in Atmore, Ala.