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Credit Card Information

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Credit Cards
We are unable to proceed with opening your account.
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Thank you for considering applying for an account with us online. At this time, we are unable to process your application due to the following reason:

Application Cancelled

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Application Cancelled

We have cancelled your application.

If this was a mistake and you would like to fix errors you can return to the application now.


Applicant Information

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Tell Us About Yourself
Personal Information
SSN IconLock SSN IconQuestion
Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.
Contact Information
Current Physical Address
Identification
Financial Information


Monthly Expenses


Additional Information

1. You have reviewed and agree to the Credit Card Terms and Conditions.

2. You authorize FBT to obtain credit reports and employment history about yourself, both now and in the future, for any legitimate business purpose associated with the account or request for an account, including but not limited to reviewing, modifying, renewing, or collection of your account.

3. You authorize us to contact you via email regarding the status of your credit card application.

4. If this application is accepted and the credit card issued, you agree to pay all charges incurred.

5. FOR JOINT APPLICATIONS ONLY: By adding a second applicant, you intend to apply for joint credit. Joint applicants will receive a card.

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Driver's License Scan

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Speed up your application process by taking the BACK image of your US driver's license.
If you do not wish to use this feature, simply close this popup window and proceed.

Recommendation for best recognition:

* Use a dark background

* Make sure all four corners are visible

* Avoid glare

* Make sure image is in focus

Review and Submit

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Funding

Your funds will not be transferred until all of your accounts are approved.

How much do you want to deposit?
A minimum deposit of $0 in your Account is required to fund your Secured Credit Card. Please enter the amount that you wish to deposit and secure on your new card.

Review and Submit
Credit Card Information
Additional Loan Information
Applicant Information
Applicant Contact Information
Address
Your Identification
Your Secondary Identification
Financial Information
Previous Employment Information
If I am not approved for the above loan product,
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Available Products
easyGROW Checking

MOST POPULAR PRODUCT. A FREE account that rewards you with interest and ATM fee refunds when three qualifications are met each cycle. Learn more.

Limit one account per primary account holder.

Min Deposit: $100.00

Real Deal Checking

A great FIRST checking account for teens and young adults under the age of 25! It’s FREE checking, with digital banking conveniences and amazing extra perks. Learn more.

Free Checking

This FREE account provides both economy and convenience, allowing you to add the features you want. Learn more.

Savings

Putting money away, little by little, can really add up. If you’re looking to save over time and accrue some interest, First Bank & Trust’s savings account is a great place to start. Learn more.

Max APY: 0.05% Min Deposit: $50.00

12 Month Liquid CD

Perfect if you want a great rate, but want the option to move your money later! This Liquid CD allows for up to 4 withdrawals during the 12-month term*. Learn more.

*$5000 minimum deposit is required to open. Must maintain a minimum balance of $1000 in the account each day to obtain the disclosed Annual Percentage Yield (APY). If the balance falls below $1000, the account will close. Penalty for withdrawal within the first 6 days of opening the account but allows up to 4 withdrawals within the term of the CD. Each withdrawal must be a minimum of $1000 and must occur more than 6 days following the previous withdrawal.

Max APY: 0.10% Min Deposit: $5,000.00

12 Month CD

Open with as little as $100. A safe investment strategy with competitive fixed rates. Learn more.

Must maintain a minimum balance of $100 in the account each day to obtain the disclosed Annual Percentage Yield (APY).

Max APY: 0.15% Min Deposit: $100.00

APY (Annual Percentage Yield)
Please answer question(s) below
Do you certify that you are not subject to backup withholding either because you have not been notified that you are subject to backup withholding as a result of a failure to report all interest or dividends, or the Internal Revenue Service has notified you that you are no longer subject to backup withholding?*
Do you certify that you are an exempt recipient under the Internal Revenue Service Regulations?*
Are you a Minnesota resident applying for a Checking account?

Minnesota law requires the following information to be provided by one applicant if this is a transaction account. If you make a false material statement in regards to these questions that you do not believe to be true, you are guilty of perjury.

Have you had a transaction account at this or another financial intermediary within 12 months before making this application?*
Name of Institution*
Have you had a transaction account closed by a financial intermediary without your consent within 12 months before making this application?*
Reason*
Have you been convicted of a criminal offense because of the use of a check or other similar item within 24 months of making this application?*
Protection that Matters

Credit Life and Credit Disability Insurance, underwritten by CMFG Life Insurance Company, is available for most loan products

Would you like more information about protecting your loan payment or balance with Credit Life and Credit Disability Insurance from your lender?

Debt Protection is available with most loans by the credit union. It is designed to cancel your loan payment or balance, up to the contract maximums, if a protected life event occurs. Available package options will include one or more of the following life events: Life, Disability or involuntary unemployment.

Would you like more information about protecting your loan payment or balance with Debt Protection from your lender?

MEMBER’S CHOICE™ Guaranteed Asset Protection (GAP) is an optional protection product made available by the credit union. In the event of a total loss, GAP is designed to cancel the difference between your primary insurance settlement and the outstanding loan balance, up to the contract maximums. For more information, call or visit the credit union.

Would you like more information about protecting your loan with GAP from your lender?

Mechanical Repair Coverage can help you limit the cost of covered vehicle breakdowns.

Would you like more information about Mechanical Repair Coverage from your lender?
Read, Sign and Submit

Your application is not complete until you read the disclosure below and click the "I Agree" button in order to submit your application.

You are now ready to submit your application! By clicking on "I agree", you authorize us to verify the information you submitted and may obtain your credit report. Upon your request, we will tell you if a credit report was obtained and give you the name and address of the credit reporting agency that provided the report. You warrant to us that the information you are submitting is true and correct. By submitting this application, you agree to allow us to receive the information contained in your application, as well as the status of your application.

Email Agreements & Disclosures
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The links to Agreements & Disclosures will be sent to your e-mail account so you may view/print later.

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Additional Applicant Information

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About Your Additional Applicant
Personal Information
SSN IconLock SSN IconQuestion
Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.
Contact Information
Current Physical Address
Identification
Financial Information


Monthly Expenses


Additional Information

1. You have reviewed and agree to the Credit Card Terms and Conditions.

2. You authorize FBT to obtain credit reports and employment history about yourself, both now and in the future, for any legitimate business purpose associated with the account or request for an account, including but not limited to reviewing, modifying, renewing, or collection of your account.

3. You authorize us to contact you via email regarding the status of your credit card application.

4. If this application is accepted and the credit card issued, you agree to pay all charges incurred.

5. FOR JOINT APPLICATIONS ONLY: By adding a second applicant, you intend to apply for joint credit. Joint applicants will receive a card.

*

Co-Driver's License Scan

close
Speed up your application process by taking the BACK image of your US driver's license.
If you do not wish to use this feature, simply close this popup window and proceed.

Recommendation for best recognition:

* Use a dark background

* Make sure all four corners are visible

* Avoid glare

* Make sure image is in focus

Authorized User Information

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Authorized Users