FNBT Joins Bank First on May 18

When will FNBT become Bank First?

The system conversion will occur over the weekend of May 15, 2026. All FNBT branches will close at their regular time on Friday, May 15 and will re-open as Bank First on Monday, May 18. FNBT branches will not be open on Saturday, May 16.

Can I go to a Bank First location for banking transactions?

For services related to FNBT accounts, you should continue to visit FNBT until the conversion is complete on Monday, May 18. After conversion, you can visit any Bank First location. Please refer to the back of the Welcome Guide for a complete listing of locations effective Monday, May 18.

Who should I contact if I have questions with my account(s)?

Please contact your local office during regular business hours for questions regarding your account. A complete listing of locations effective Monday, May 18 is provided on the back of the Welcome Guide.

Will I be able to access my account(s) during the conversion to Bank First?

While we have worked diligently to ensure a smooth transition, there will be a brief period when you will not have access to your account(s). FNBT’s Personal and Business Online Banking will be unavailable starting at 3:00 p.m. on Friday, May 15, and access will be restored when Bank First’s Online and Mobile Banking services become available on Monday, May 18.

Will the FNBT phone numbers change?

The FNBT phone numbers (800) 667-4401 and (888) 255-2114 will no longer be active after the conversion. Please refer to the back of the Welcome Guide for a complete listing of updated contact information effective Monday, May 18.

What will happen to Telephone Banking?

FNBT’s Telephone Banking will be active until 3:00 p.m. on Friday, May 15. Telebanc will become available on Monday, May 18 under the Bank First name and number: 1-800-676-7535.

Will my branch hours stay the same?

Yes, your branch hours will remain the same!

Will the FNBT ATMs be available during conversion weekend (May 15-17)?

Yes, ATMs at all FNBT branches will be converted prior to the merger; however, the ATMs may be interrupted intermittently while the conversion takes place. Please refer to the back of the Welcome Guide for a complete listing of locations effective Monday, May 18.

What is the routing number for Bank First?

The routing number for Bank First is 075901134. The routing number for FNBT will continue to work for at least six months after the merger; however, we encourage you to transition your checks and ACH payments over to the new routing number in the near future.

How long will be FNBT debit card(s) work?

If you currently have an FNBT debit card or World debit card, you will receive a new Bank First debit card by Friday, May 15, ahead of your account transition. What to expect:

• Your existing FNBT debit card will continue to work through Sunday, May 17.
• Your new Bank First debit card will begin working on Monday, May 18.
• Please destroy your FNBT debit card on May 18 and begin using your new card.

Find additional details on page 7 of the Welcome Guide.

What will happen with my FNBT credit card(s)?

Your personal and business credit cards have and will continue to be serviced by Elan Financial Services. If you have any questions, need assistance with your cards, or want to make a payment, please contact Elan Customer Support at 1-866-234-4691.

Can I use my FNBT checks after the merger?

Yes, you may continue using your FNBT checks after the conversion of your account. Once you run out of checks, you may order new ones under the Bank First name by contacting your local office. Be sure to update your routing number to 075901134 at that time!

Please refer to the “Checks” section on page 9 of the Welcome Guide for additional information regarding replacement checks.

 

Do I need to re-enroll in Bank First’s Online and Mobile Banking services?

No, you will not need to re-enroll in Online Banking. Your current Online Banking profile with FNBT will transfer over to Bank First. Page 11 of the Welcome Guide includes step-by-step instructions to help you get started.

Will my username change?

In most cases, your username will remain the same. A small number of duplicate usernames existed between the two banks, and those customers were contacted prior to the merger to make updates.

Will my password change?

For your initial login, you will use your current password. You will then be prompted to create a new password as part of the initial login process. Page 11 of the Welcome Guide includes step-by-step instructions to help you get started.

How do I log into Bank First’s Online Banking?

Page 11 of the Welcome Guide includes step-by-step instructions to help you get started.

Why are security tokens no longer required for business customers?

Beginning Monday, May 18, tokens will no longer be required. Instead, multifactor authentication (MFA) using either a phone call or text message will be implemented. This provides the same level of protection with added convenience, allowing you to log in securely without needing a separate device or app.

Please note: Users will need to reset their password the first time they log in, and a mobile phone is required to complete this process.

Will Face ID/Touch ID continue to work?

If you currently use Face ID or Touch ID, or have your credentials automatically filled in by your device or browser, these features will not work on your first login to Bank First’s system. You’ll need to enter your username and password manually. After that, you can re-enable these features for future logins. Simply go to Settings → Authorized Devices.

Will my account history be available after the conversion?

Account history and transaction details WILL NOT transfer to Bank First. We highly recommend saving or printing any information you may need before 3:00 p.m. on Friday, May 15.

What will happen to my Bill Pay account?

FNBT’s Personal Bill Pay, Business Bill Pay, and BizPay will be available until 4:00 p.m. on Wednesday, May 13. After that time, BizPay will be discontinued, and FNBT’s Personal and Business Bill Pay services will be temporarily unavailable while we complete the transition to Bank First.

Before May 13, we recommend reviewing any bills due between May 13 and May 18 and scheduling those payments in advance. All future-dated payments, recurring payments, and payee information you currently have set up with FNBT will automatically transfer to Bank First.

Payment history will not transfer, so if you need access to past records, please be sure to print or save them before the conversion. Bank First’s Personal and Business Bill Pay will be available beginning Monday, May 18.

Do I need to re-enroll in eStatements?

No. Your statement preferences and up to three (3) years of eStatement, loan notice, and tax document history will carry over to the new platform. However, you will receive a final paper statement from FNBT dated Friday, May 15.

Will I continue to receive the same account alerts I do today?

If you are currently using alerts within FNBT’s Personal or Business Online Banking, those alerts will not carry over to the Bank First platform. You will need to re-establish alerts on Monday, May 18. Required system alerts (changes to your phone number, user ID, email address, or password) will continue automatically, no action needed. Please refer to page 10 of the Welcome Guide for more information.

Do I need to do anything to reconnect QuickBooks or Quicken?

Yes. You’ll need to re-establish your digital banking connection. In the Bank Feeds section of QuickBooks or Quicken, select Bank First WC (Web Connect) or Bank First DC (Direct Connect) to restore the connection.

Is my information secure during the conversion?

Yes. Rest assured, your data will be transferred safely, and we will continue following all standard security protocols to protect your accounts and financial information. Scammers often take advantage of transitions like this to send fraudulent emails, texts, or phone calls that appear to come from legitimate financial institutions. Please stay vigilant and exercise extra care in protecting your sensitive information during this time.

 

Will there be changes to my deposit account(s)?

The current names, features, and benefits of your FNBT deposit accounts will be converted to similar Bank First deposit accounts.

Personal - Please refer to page 2 of the Welcome Guide for more information.

Business - Please refer to page 4 of the Welcome Guide for more information.

Will automatic transfers, automatic loan payments, and direct deposits continue to work?

Direct deposits will continue as normal. Automatic payments set up using your routing number and account number will continue for at least six months after the merger, but we recommend updating them to the new routing (075901134) number as soon as possible. Payments set up using your debit card must be updated with your new card information prior to Monday, May 18.

Will my account number(s) change?

In almost all cases, account numbers will remain the same. There are a small number of duplicate account numbers between the two banks. We have worked with these customers prior to the merger to change those account numbers.

Will the service charges associated with my account(s) change?

Depending on your account, service charges may change.

Personal - Please review Personal Checking, Personal Savings, and Personal Money Market on page 2 of the Welcome Guide.

Certificate of Deposits and Safe Deposit Boxes - Please review pages 2-4 of the Welcome Guide.

Business - Please review Business Deposit on page 5 of the Welcome Guide.

Will the statement date for my account(s) change?

Yes, the statement date for your accounts will change. You will receive your last FNBT statement as of Friday, May 15.

Personal - Bank First personal checking account statements will be processed on the 15th of each month, beginning Monday, June 15. If the 15th falls on a non-business day, statements will be processed on the prior business day. Personal savings account statements will be processed quarterly on the 25th, beginning Thursday, June 25. If the 25th falls on a non-business day, statements will be processed on the prior business day.

Business - Bank First business account statements will be processed on the last business day of each month, beginning Friday, May 29.

Will the interest rates and terms on my CD(s) and IRA CD(s) remain the same?

Yes, interest rates and terms you currently receive from FNBT will remain in effect until maturity. If your CD/IRA CD is set to automatically renew, it will continue to do so, and you will receive a notice including new account documentation and disclosures. If your current term is not offered at Bank First, your CD/IRA CD will renew into the next lowest term available. Upon renewal, interest is compounded and credited to your account semi-annually. If you currently receive your interest as a check or transfer, your interest frequency will remain the same.

If your current term is 180 days or less, your CD/IRA CD will not automatically renew. You will receive a notice of non-renewal approximately 30 days in advance of the maturity date. At that time, you will be contacted to discuss your renewal options. Please refer to page 3 of the Welcome Guide.

Will my Health Savings Account transfer to Bank First?

Your existing Health Savings Account will be transferred to Bank First. You may continue to use your current HSA checks. A Bank First HSA debit card will be sent to you prior to Monday, May 18.

Will the merger affect my existing FNBT loan(s)?

No changes will be made to the payments, interest rates, or other terms of your existing loan until maturity.

Will my loan number(s) change?

In almost all cases, loan numbers will remain the same. There are a small number of duplicate loan numbers between the two banks. We have worked with these customers prior to the merger to change those loan numbers.

Will my loan statement change?

Yes. Mortgage, consumer loan, and business loan customers will begin receiving a monthly loan billing statement from Bank First. You can also view an electronic version of your statement through Digital Banking.

Where do I mail my loan payments made on or after Friday, May 15?

Payments can be made at or mailed to any branch location. We recommend setting up automatic payments or making payments via Online Banking for your convenience.

Can I still view my loan(s) and make a loan payment online?

Yes, you will be able to view your loans and make loan payments online.

My loan payment is automatically deducted from my deposit account. Will that service continue?

Yes, automatic payments will continue as usual, on the same schedule.

Who will be servicing my loan(s)?

Bank First services a vast majority of our loans locally. You can expect to receive exceptional customer service and personal attention from the same friendly faces you’ve come to know at FNBT.

What will happen with my property tax escrow?

Your property tax escrow payment will continue without change, just as it is currently set up with FNBT.

What is happening to my mortgage application?

As of Monday, March 16, all mortgage loan applications are processed by Bank First.

What is happening to my consumer loan application?

In most cases, applications taken prior to Friday, May 1, will continue to be processed by FNBT. Any applications taken on or after Monday, May 4, will be processed by Bank First.