Individual Retirement Services


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Individual retirement services include individual retirement accounts (IRAs) and are used to save money for your retirement.  IRAs are different from 401(k) accounts in that they are opened at a bank and not offered through your employer.

First National Bank & Trust offers different types of IRAs and we work with you to select the appropriate type of IRA to fulfill your investment goals.

Rollover/Conversion IRA Services

Rollover and conversion IRA services are provided in a variety of circumstances.  By maintaining an IRA, taxes on investment earnings as well as the capital rolled over are deferred until withdrawn. A wide range of investment opportunities such as stocks, bonds and mutual funds are available with this service.  Some benefits include: 

  • A direct rollover from the employer's plan can prevent current taxability.
  • Direct transfers from other IRAs may also be made to take advantage of our Investment Management Services.
  • Roth conversion evaluations.

Investments made in trust accounts are not deposits or obligations of, or guaranteed by First National Bank & Trust, are not insured by the FDIC or any government agency, and may lose value.

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