First Northern Bank and Trust

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Enjoy the freedom that comes with online banking.

Got internet? Log in or use our convenient Mobile App to quickly pay bills, check balances, transfer money, and more.
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We are family-owned and independent.

Skip the big, out-of-town bank and enjoy a personal banking experience powered by secure technologies and friendly customer service.
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Reach your goals with a genuine business banking relationship.

Depend on our experienced team for business checking, financing, commercial mortgages, merchant services, and more. 

11 Convenient Offices, Drive-Up Windows, and 24-Hour ATMs

First Northern Bank and Trust is a local community bank.


An independent, family-owned financial institution since our founding in 1907, we have a deep understanding of the region and longstanding ties to local families and businesses. A trusted leader in the greater community, we look forward to providing you with financial products and services tailored to meet your specific needs.

Choose from a comprehensive suite of online and mobile banking services, consumer loans, business financing, and more, secure in the knowledge that our systems and technology solutions will make many banking activities quick, easy, and convenient.

Enjoy relationship-based banking, local decision making, and personal customer service.


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Residential mortgages icon.
Consumer loans icon
Rates icon.

This slideshow visually displays up to three slides. On mobile devices this slideshow displays slides one at a time. Inactive slides are hidden for all users. Use slide pagination, left/right arrow keys, or swiping to navigate through all slides. All links contained in the carousel are available in website navigation or elsewhere on the page.
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We’ve got your number. 

  • Local decision-making speeds the process.
  • Apply in person or by phone.
  • 11 Convenient branch locations.
*The Annual Percentage Rate (APR) of 4.99% is based on a 1st lien mortgage. The Annual Percentage Rate (APR) of 6.99% is based on a 2nd lien mortgage. Various terms available. Automatic Payments from a FNB&T Co. account is required. A minimum new loan of $10,000 or an increase of $10,000 for an existing FNB&T Co. loan is required. Borrowers are responsible for any applicable insurance coverage. 1-4 unit primary residence properties only. The Application Fee and Flood Determination Fee will be waived for qualifying borrowers. Additional fees may apply. A minimum credit score of 740 is required. This promotion is being offered for a limited time on applications received from April 7, 2025 to May 16, 2025. Subject to Credit Approval.

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Enjoy more options than ever before! 


Fast, easy, secure online payments are available for Personal and Commercial Loans. Make a one-time payment or register as a user to initiate recurring payments, view your loan balance, payment history, and more.

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Interested in a rewarding career?

Consider joining the team here at First Northern Bank and Trust.

We are currently looking for individuals to fill a number of in-office positions (these are not remote work opportunities).

Connect with our team!

Call 1-800-344-2274 to speak with a Customer Service Representative or complete our contact form.

Does it feel like you'll be stuck renting forever?

This program has been specially designed to help make what feels impossible, possible!

view program details
Planning for the future? Trying to stick with a budget? These financial tools will make things easier.

When you open a First Northern Bank and Trust Checking Account, ask about Online Banking and our Mobile App!