Services

Services

Online Banking & Bill Pay

Save time and money with our free online banking system. It's easy, secure, and there's nothing to install on your computer.

This premium service gives you the ability to manage your funds from anywhere, at any time. There have been a lot of advances in banking since we opened in 1901; this might be the best.

Online Banking Features:

  • Free with FNB Barry accounts
  • View real-time account balances and activity
  • Transfer funds between accounts
  • Make loan payments
  • Access online bill pay
  • Set up account alerts for important events
  • Download info directly into Quicken®
  • Access convenient user services
  • Easy to use and available 24/7
  • Access from any computer with internet
  • Highest level of security

See how easy it is with our online banking demo.


Bill Pay Features:

  • Turn a monthly hassle into a breeze with fast, free, and easy online bill pay.
  • Pay all bills through one screen
  • Payee information is saved for future payments
  • Set up recurring regular payments
  • Schedule payments in advance
  • Make one-time payments
  • Save money on postage fees
  • Reduce clutter and save paper

Download a document with more details and log in instructions.



Mobile Banking

Put the power of online banking in the palm of your hand. Our free mobile banking service enables you to manage your accounts from your smartphone.

Get instant access to real-time information and make transactions anytime, anywhere—no computer necessary. Mobile banking gives you greater control of your money.

  • Free service with FNB Barry accounts*
  • View real-time account balances and activity
  • Same-day transfers between accounts**
  • Access to your Internet Banking BillPay
  • Set up account alerts to come right to your phone
  • Easy to use and available 24/7
  • Use from any web-enabled cell phone
  • Highest level of security

Log in from your internet-ready mobile device here.

*The First National Bank of Barry does not charge for this service. However, any fees from your cell phone provider to access the internet still apply.

**Transfers made before 4:00pm CST are processed immediately. Transfers made after this cut-off time are processed the next business day.


Security & Setup

Mobile Banking features the same strong security as The First National Bank Of Barry's online banking. All information is securely encrypted. You can only log in from a mobile device with a browser that can connect securely.

To get started, use the same access ID and passcode you use to log in to online banking. If you do not have an access ID yet, please contact The First National Bank Of Barry.

The first few times you log in to Mobile Banking, you might be asked to answer a Security Verification Question.

If you ever see a warning when you log in that the security certificate does not match the host name, stop and contact The First National Bank Of Barry immediately.

Note: Customer Service never needs your passcode to assist you.


Troubleshooting

If you are having trouble logging in, you may see one of these "login failed" messages. These solutions should get you logged on in no time.

Login failed. Please try again.

You might have mistyped your access ID or passcode. Try again. If you still see this message, contact The First National Bank Of Barry for a temporary passcode. You must then log in to Internet Banking from a PC and reset your passcode before you can log in to Mobile Banking.

Your access has been disabled...

You have entered an incorrect Security Verification Answer or passcode too many times. Contact The First National Bank Of Barry for a temporary passcode. You must then log in to Internet Banking from a PC and reset your passcode before you can log in to Mobile Banking.

You have attempted to log in using a temporary passcode...

Temporary passcodes do not work for Mobile Banking. Log in from a PC and reset your passcode before trying again.

The mobile browser doesn't support the required encryption...

The browser on your phone or other mobile device cannot connect to secure sites. Install a new browser or use a different device to log in.

Mobile banking requires the use of cookies...

The browser on your phone or other mobile device does not have cookies enabled. Check your manual to see how to enable cookies. Sometimes cookies are part of the security settings.



Smartphone App

Put the power of online banking in the palm of your hand. Our free, visually appealing Smartphone App enables you to manage your accounts directly from your smartphone.

Get instant access to real-time information and make transfers anytime, anywhere – no computer necessary. Now you can view images of your checks and deposits, locate and get directions to our branches and access the history of your accounts.

Our app now includes additional features that allow you to deposit checks on the go, and turn your debit card on or off. Download our Smartphone App today!

  • Free access to real-time account balances and activity 24/7*
  • View checks (front and back)
  • Same-day transfers between accounts **
  • Two new features:
    • Deposit checks on the go with remote deposit capture
    • Turn your debit card on or off with debit card customer control
  • Directions to all of our facilities using your smart phone map
  • Auto login
  • Available for iPhone or Android (ver 2.1 and higher) devices
  • The highest level of security

If you are a current Internet Banking customer you may use your existing Username and Password.

If you only want to use the App you will need to complete the registration process after you download the App.

 


*The First National Bank of Barry does not charge for this service. However, any fees from your cell phone provider to access the internet still apply.

**Transfers made before 4:00pm CST are processed immediately. Transfers made after this cut-off time are processed the next business day



DEBIT CARDS

Start using your EMV card today – we can print your card on the same day that you order it!

Simply place your order using the order forms below. Your card will then be printed at our Barry location, and you may then pick up your card in Barry that same day or make other arrangements to get it to a location near you.

You may also elect to have your card mailed to you on the same day that it's ordered and printed – whichever is most convenient.

You need your debit card now—order it now.

Complete the application for below and return it to us at any of our locations.

If your debit card has been lost or stolen, you may also use our same-day service to replace your card.

Download the Consumer Debit Card Application Download the Business Debit Card Application


Credit Cards

Give yourself worldwide purchasing power with local customer service. The First National Bank of Barry MasterCard® credit card allow you to think locally, shop globally.

We don't charge an annual fee and keep our interest rates competitive. Come see how a major credit card with your community bank is a convenient improvement.

  • No annual fee
  • Competitive interest rates
  • Worldwide purchasing power
  • Online account management
  • 24-hour customer service line
  • Easily replaced if lost or stolen


Switch Kit

Switching to The First National Bank of Barry is easy! Let us help you.



Trust Services

The First National Bank of Barry offers trust and estate services that provide you,and your family with peace of mind.

The First National Bank of Barry has a long history of providing Trust and Estate Executor services to our clients and customers. Our Trust Services group is staffed with friendly, competent, and experienced professionals with the knowledge and expertise to ensure that your wishes are met with courtesy, dignity and respect for all involved parties. Recordkeeping is important and The First National Bank of Barry provides accurate, concise, and timely reports according to your wishes.

Our services include:

Executor: When serving as your executor, The First National Bank of Barry acts upon your instructions or directive as contained in your last will and testament and follows through with making sure your memories are remembered exactly as you intend. Our staff can make sure legacy gifts are funded, your heirs and beneficiaries are remembered according to your wishes, and your final arrangements are carried out precisely.

Trustee: When named as your Trustee, either during life (intervivos) or at your death (testamentary), The First National Bank of Barry carries on your good works and accomplishments in a confidential and dignified manner by serving in your place and fulfilling your legacy according to your trust documentation and wishes. The Trust Services staff can also provide assistance during the process of creating and funding the important trust document.

Guardian/Custodian: Our custodial services are a great way to have a third party act on your behalf when selling real estate contract for deed, or looking after and protecting the financial interests of minors or other disabled persons when they cannot look after themselves.

Agent: The First National Bank of Barry serves our clients in the capacity of agent, stepping into their shoes when they are no longer comfortable or able to manage their own financial interests. Agency services are also provided to our customers when they live away from the area and desire a local institution to take care of property or other assets.

Irrevocable Trusts: Irrevocable Trusts are a great way to ensure that assets are protected and held for future generations, and The First National Bank of Barry can serve that role whether serving as trustee of a life insurance trust, or ensuring that your trust intentions are protected for future beneficiaries.

Charitable Trusts: What a great way to create a lasting memory of your good works than to create and fund a charitable trust. Your favorite school, hospital, or university, not for profit organization, or other worthwhile endeavor can be remembered for many years going forward with a charitable trust. A key advantage to setting up charitable trusts may include favorable tax treatment meaning more of your good works are preserved for that charitable endeavor you always wanted to support.

1031 Tax Deferred Exchanges: Section 1031 of the Internal Revenue tax code allows for the sale and re-purchase of real estate by deferring the capital gains tax to a future point in time. Certain statutory requirements must be met, so let our experienced Trust Services staff show you how you can upgrade that hunting farm, or trade out of farmland and investment property and repurchase that perfect piece of real estate you have always dreamed of owning. Tax deferred exchanges may also be possible for exchanges involving some types of personal property or business equipment. Ask our seasoned staff for all the details.

Call our Trust Services professionals today at 217-335-2393.

Some products offered by Trust Services are (a) not insured by the FDIC or any federal or state deposit guarantee fund, (b) are not deposits or otherwise obligations of The First National Bank of Barry, and are not guaranteed by The First National Bank of Barry, and (c) may be subject to loss of principal invested. You should check with your legal or tax advisor to ensure you understand the risks when investing in non-FDIC insured instruments.



Overdraft Services

It's a fast-paced world and everyone makes mistakes. That's why we have tools available to protect you in case you overdraw on your account.

Our Cash Reserve Overdraft Protection creates an open standing loan that is only accessed if you overdraw on your account.

Simply fill out the quick application. If approved, your Cash Reserve Loan is ready. If your checking account becomes overdrawn, we automatically advance the needed funds from your Cash Reserve for a per occurrence fee. Daily interest is only charged on balance outstanding on Cash Reserve account. You either pay back the loan or your account is debited for minimum payments each month.


ATS (Savings Sweep)

Another alternative is our ATS (Automated Transfer from Savings). This feature will sweep funds from your own savings account to cover your overdrafts in your checking account.

No approval necessary. Simply fill out the quick form to identify the accounts to link for ATS. If your checking account becomes overdrawn, funds will be automatically swept from your savings to cover your overdraft for a per occurrence fee.



Personal Check Reordering



Rates

Effective as of 01/01/17

APY = Annual Percentage Yield. Fees may reduce earnings.

Kasasa Cash*

Tier APR APY
$10,000 and under 2.47% 2.50%
$10,000 and over 0.55% 2.50 – 0.73%, depending on balance in account
Qualifications Not Met 0.05% 0.05%

Qualifications:
To earn these rewards, simply do the following on your Kasasa Cash account during the monthly qualification cycle.:

  • Have at least 10 debit card purchases post and settle
  • Have at least 1 automatic external payment (ACH) auto debit, direct deposit, or bill pay transaction post and settle
  • Be enrolled and review e-Statement notices or internet banking statement

Kasasa Saver*

Tier APR APY
$10,000 and under 0.75% 0.75%
$10,000 and over 0.55% 0.75 – 0.57%, depending on balance in account
Qualifications Not Met 0.05% 0.05%

Qualifications:
To earn these rewards, simply do the following on your Kasasa Cash account during the monthly qualification cycle.:

  • Have at least 10 debit card purchases post and settle
  • Have at least 1 automatic external payment (ACH) auto debit, direct deposit, or bill pay transaction post and settle
  • Be enrolled and review e-Statement notices or internet banking statements

Checking

APR APY
NOW Checking 0.15% 0.15%

*APY = Annual Percentage Yield


Savings

APR APY*
Health Savings Account (HSA) 0.20% 0.20%
Statement Savings 0.20% 0.20%

*APY = Annual Percentage Yield


Money Market Demand Account

Tier APR APY*
$2,500 and over 0.25% 0.25%
$1,000 to $2,499 0.20% 0.20%
$999 and under no interest no interest

*APY = Annual Percentage Yield


Certificates of Deposit (CDs)

Duration Balance APR APY*
3 Months $1000 and over 0.20% 0.20%
6 Months $1000 and over 0.30% 0.30%
9 Months $1000 and over 0.35% 0.35%
12 Months $1000 and over 0.40% 0.40%
18 Months $5,000 and over 0.55% 0.55%
24 Months $5,000 and over 0.75% 0.75%
30 Months $5,000 and over .85% .85%
36 Months $5,000 and over .95% .95%
48 Months $5,000 and over 1.15% 1.15%

*APY = Annual Percentage Yield
Penalty may be imposed for early withdrawal.

Individual Retirement Accounts (IRAs)

Duration APR APY
12 Months 0.40% 0.40%
18 Months 0.55% 0.55%
24 Months 0.75% 0.75%
30 Months 0.85% 0.85%
36 Months 0.95% 0.95%
48 Months 1.15% 1.15%

*APY = Annual Percentage Yield
Rates subject to change at any time. Fees may reduce earnings.