First Bank & Trust Company is a financial services firm that provides a range of products and services. It offers a variety of checking and savings accounts. The firm also provides money market and individual retirement accounts. First Bank & Trust Company offers automated clearing, cash management and merchant credit card services. It also provides long-term financing services through industrial revenue bonds. The firm serves local governments, schools, colleges, universities, health care institutions, airports and utility authorities. First Bank & Trust Company offers overdraft protection and direct deposit services. It also provides online banking services. The firm operates a trust division that manages a portfolio of securities and offers investment management and estate planning services. First Bank & Trust Company also provides various investment options and mortgage services. It is a member of the Federal Deposit Insurance Corporation and the Federal Home Loan Bank of Atlanta. The firm has approximately 20 office locations.