FAQs & Help


Consumer Help Numbers

First Link Telephone Banking: 877-FTS-BANK

Debit Card Activation/PIN Change: 1-800-992-3808 

Debit Card Emergency (lost or stolen card): 1-800-554-8969

Bill Pay Support: 1-844-753-7436

Consumer Reporting Companies:

  • Equifax: 1-800-525-6285
  • Experian: 1-888-EXPERIAN (397-3742)
  • TransUnion: 1-800-680-7289

Social Security Administration:

  • Kankakee Office: 1-815-937-3245
  • Chicago Office: 1-800-772-1213
  • Toll Free: 1-800-772-1213

Department of Veterans Affairs: 1-877-838-2778 

Mobile Banking Instructions

The First Trust and Savings Bank (FirstTrustSav) Mobile App is available in the Google Play Store and the Apple App Store. Download it on your cell phone by searching: First Trust, Watseka, Clifton, First Trust and Savings and look for the #1 bank logo.

After you open the new app, click "Enroll Now" if you're a new user to Online Banking or use your existing Username and Password for Online Banking to log in. Transfer money between accounts, make bill payments, and more! Click on “More” to set up Instant Balances and Touch ID (for Apple users).

Apple App Store Google Play Store

Important: This mobile app utilizes your existing User ID and Password for Internet Banking. The mobile app is actually just a convenient access method into your Internet Banking account, and anything you do on one will affect the other.


Frequently Asked Questions

Personal Banking Questions

Q: How can I avoid Identity Theft?
A: The Federal Trade Commission provides information about Identity Theft on their website: http://www.consumer.ftc.gov/features/feature-0014-identity-theft. For any further assistance, please call one of our banking centers in Watseka (815) 432-2494 or in Clifton (815) 694-2329.

Q: Can I reorder personal checks online?
A: The First Trust and Savings Bank has partnered with Deluxe to safely and conveniently provide online check reordering. To reorder checks you will need your routing/transit number, account number and the starting number of your next check. Check orders will be sent to the mailing address on your account and a charge for the order will appear on your account. If there are any changes to your check order, if it has been longer than 2 years since your last check order, or if this is the first time you are ordering checks with The First Trust and Savings Bank, please visit one of our First Trust and Savings Bank banking centers to complete your order. 

Order Checks Online

Q: How do I change my address or phone number?
A: You can simply call one of the banking centers – Watseka 815-432-2494 or Clifton 815-694-2329, send us a written notification through the mail, or send an email through Online Banking.

Q: What types of overdraft protection does The First Trust and Savings Bank offer? How can I set up overdraft protection on my checking account?
A: The First Trust and Savings Bank offers two types of overdraft protection for a checking account. Access our overdraft protection page to find more information. Please call Customer Service at 815-432-2494 or 815-694-2329 or visit one of our First Trust and Savings Bank banking centers.

Q: What are the current rates on products offered by First Trust and Savings Bank? Can I find this information online?
A: Interest rate information may be accessed on our interest rate page. Please call 815-432-2494 or 815-694-2329 or stop by one of our First Trust and Savings Bank banking centers to obtain our rates.

Q: What’s my balance?
A: You can check your account balance using our Online Banking, Mobile Banking, First Link Telephone Banking 877-387-2265 or doing a balance inquiry at the ATM.

Q: What information do I need to open an account?
A: Each account owner will need to provide his/her Social Security Number and a valid photo ID (Driver’s license or State ID preferred) containing his/her current address. A minimum opening deposit is required for most accounts.

Q: What’s my routing number and account number?
A: The routing number can be found on the bottom of your checks – it’s the first series of numbers listed starting from the left. The middle set of numbers is your account number.

Q: How do I apply for a mortgage loan with First Trust?
A: Please apply in person for a mortgage loan at the Clifton or Watseka banking center, or apply online by visiting our homepage and clicking on the Mortgage Application link at the bottom left.

Online Banking Questions

Q: How do I sign up for Online Banking?
A: Click on Enroll in the Online Banking box from the homepage. Fill in the information on the Enroll page, and follow the instructions as indicated on each page OR download The First Trust & Savings Bank Mobile App and enroll from the app by clicking Enroll Now and following the instructions as indicated. 

Q: What do I do if I forgot my Online Banking password?
A: Sign into Online Banking with your User ID, and click the Forgot password link. After you click this, you will receive an email indicating a temporary password.

Q: How do I sign up for E-statements?
A: Log in to Online Banking with your User ID and Password as usual. Then, click the Profile link at the top right of the page. Next to the heading Electronic Statements, click Edit. Checkmark the accounts to receive an eStatement.

Q: How do I view, print or save E-statements?
A: Choose the account to view. Click Documents from the top menu bar. Select the date range and click Submit. To view the statement, click on the listed link. You should see options on the bottom center of the document to save or print.

Q: How do I start using Online Bill Pay?
A: Log in to Online Banking, then click the Bill Payment link at the top of the page. Follow the prompts to set up payees.

Q: What is the difference between the available and ledger balance?
A: The available and ledger balances listed in the Account Summary screen can differ. The available balance reflects the funds currently available for use. The ledger balance reflects the actual balance in the account as of the close of the previous business day, plus any real-time deposits or withdrawals.

Q: How can I change my Online Banking Password?
A: Log on to The First Trust and Savings Bank Online Banking and select Profile at the top right of the page. Under Password, click edit.

Q: Why does the Online Banking logon page no longer remember my Access ID and password?
A: Your browser is utilizing an autocomplete feature to save and automatically remember your ID and password, which works on Web pages you have previously accessed. When we published a new logon page, the browser did not have a previous entry to remember. Please key in your access ID and password each time you log on to ensure the highest level of security. If you have forgotten your password or have been locked out of your account, please call 815-432-2494 or 815-694-2329.

Q: When I enter Online Banking, the secure lock indicator disappears or I receive an alert that the site is not secure. Am I in a secure session?
A: Microsoft Internet Explorer has identified this as an issue with certain browser versions. You are still in a secure session; to verify, right click inside the page, click Properties on the menu that appears, and then click Certificates. A web page that is on a secure server will display the security information for the specific site in the Certificate information box. For details on this issue, please visit our Online Banking Help page.

Debit Card Questions

Q: How do I change my PIN for my debit card?
A: Call 1-800-992-3808 to change your PIN. The PIN change is effective immediately.

Q: How do I report a lost or stolen debit card?
A: Call the one of the banking centers if it’s during hours of operation – Watseka 815-432-2494 or Clifton 815-694-2329. If it’s not during banking hours, call the debit card emergency hotline at 1-800-554-8969.

Q: What if I lose my debit card and someone makes charges to my account?
A: Call the bank immediately if it’s during banking hours – Watseka 815-432-2494 or Clifton 815-694-2329 to report the loss. If it’s not during banking hours, call the debit card emergency hotline at 1-800-554-8969.

Q: Should I notify The First Trust & Savings Bank if I plan to travel and use my debit card while traveling?
A: Yes. First Trust has a debit card monitoring company that tracks common spending behavior. If your behavior is out of the ordinary, our monitoring company may call you to verify your purchases.

Q: I’m trying to make a large purchase with my debit card, why won’t it work?
A: If your point of sale purchase is greater than $2,000 the debit card will be decline because this is the default limit set for all debit cards. Please call the bank to request a limit increase if it’s necessary to use the debit card for a purchase greater than $2,000. 


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