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4.20.2020 - Preparing for the Economic Impact Payment (EIP)

According to the Internal Revenue Service (IRS), millions of Americans have already received their EIP that was authorized by the Coronavirus Aid, Relief, and Economic Security (CARES) Act. The first week of these payments came out the week of April 13 and will continue over several weeks.

How can I prepare?

Visit the IRS to learn more about these payments, including who is eligible, how payments will be received, payment amounts, and much more. The IRS has set up a "Get My Payment" application to help confirm the payment method (direct deposit or paper check), payment status, and whether or not they need additional information such as bank account information.


What if I want my EPI to be direct deposited into my FNBC Bank & Trust account?

If the IRS has your FNBC Bank & Trust account information from your 2018 or 2019 tax filing then you should receive your payment by direct deposit. Log into our FNBC Bank & Trust online or download the FNBC Bank & Trust app to check if your EIP has been deposited.

If the account that you used in either of these filings have been changed or the IRS does not have your FNBC Bank & Trust account information, you can check with the IRS about how to add your direct deposit information if your check has not been mailed yet.


What if I am getting a paper check?

If you are to receive a paper check, properly endorse the back of the check to deposit into your account.  Then, you may do either of the following to deposit this check:

  • Use our mobile check deposit in the FNBC Bank & Trust app – it’s free and the easiest way if you do not have direct deposit:
    • Limit per check is $2,500
    • Total daily limit is $2,500
    • Total multi-day limit (within 25 day period) is $10,000
  • Deposit the check at a local FNBC Bank & Trust branch



3.31.2020 - Meeting Your Financial Needs

We are here to help.

Throughout our communities, customers and local businesses are experiencing financial disruption and uncertainty resulting from the COVID-19 outbreak. During our 100-year history, we have experienced and endured many challenging times, and we are committed to doing everything we can to help you through this unprecedented situation.

If you or your small business are experiencing financial hardship due to circumstances related to COVID-19, contact us. We want to work with you.  We may have options to help you navigate this challenging situation, including:

For Consumers: 

  • Mortgage/Home Equity Loan Payment Deferrals

We are offering payment deferral programs for eligible clients who currently have a mortgage or a home equity loan.

  • Foreclosures and Repossessions

We are suspending any new foreclosure actions on residential properties for the next 60 days unless required by federal or government agencies.

  • Additional Banking Services

Remote banking and bank-at-home options are more important than ever right now. We encourage you to take advantage of the following free services to help you stay on top of your banking and bill payment from anywhere, at any time, and at your convenience:

  • Mobile Banking with Mobile Deposit
  • Zelle®
  • Online Banking and Bill Payment
  • Surcharge-Free ATMs
  • SecurLOCK™ Equip 

For Small Businesses and Commercial Banking Clients: 

We are currently offering our commercial clients financial solutions based on eligible individual circumstances, which may include payment deferral programs or modification. Please contact your relationship manager to discuss your situation and options for how we can help.

Final Notes:

Please remember these circumstances do not impact the safety of your deposits at FNBC Bank & Trust as they remain fully insured by the FDIC.

During times of increased uncertainty like this, identity theft and other scams can become more prevalent. We recommend you take extra precautions if you are contacted from an unknown source requesting personal information. FNBC Bank and Trust will never contact you in an unsolicited email or phone call and ask for confidential information – such as your User ID, password, PIN, account number, or social security number. 

If you have any questions or concerns, please contact your relationship manager, your local branch manager or simply call us at 708-482-7700.



3.31.2020 - Protect Yourself from Scams

Scammers are taking advantage of the fears surrounding COVID-19. They may create fraudulent websites, emails, calls or texts claiming to help consumers and tricking them in providing personal information. FNBC Bank & Trust will never contact you in an unsolicited email or phone call and ask for confidential information – such as your User ID, password, PIN, account number, or social security number. You must take precautions to verify the legitimacy of financial inquiries and protect your accounts.

There are a number of ways to monitor your FNBC Bank & Trust accounts from home. Online banking and mobile banking are free, easy to set up and easy to use.  Both services allow you to view account transactions, manage your bill payments, transfer funds between accounts and much more. To learn more about online banking or mobile banking, visit our Digital Banking page or call us at 708-482-7700.

For more tips on how to protect yourself, please visit Federal Trade Commission (FTC) at



3.19.2020 - Lobby Hours Update

Effective March 19, 2020

To protect your health and safety, and to limit the spread of Coronavirus (COVID-19), our lobby is now open by appointment only until further notice.

If you need access to a safe deposit box or require additional assistance with a banking matter, please call us at 708-482-7700 to make an appointment.

The walkup and drive-up windows are open during regular business hours for routine banking transactions. 

LaGrange, Mokena & West Chicago 

Walk-up Hours:     Drive-up Hours:
Mon – Fri        8:00am - 6:00pm      Mon – Fri        8:00am - 6:00pm
Sat                  8:00am - 1:00pm    Sat                  8:00am - 1:00pm

Western Springs & Yorkville

Walk-up Hours:       Drive-up Hours:
 Unavailable     Mon – Fri        8:00am – 6:00pm
   Sat                  8:00am – 1:00pm   

In addition, you can conduct most banking transactions remotely through our online, digital banking and convenience banking services, including:

  • Mobile Access - Download our mobile apps to view transactions, transfer money, deposit checks and make direct payments to people you know and trust.
  • Online Access - Easily access all your deposit and loan accounts by clicking the Log In link at the top of our web page.
  • ATMs - Access thousands of surcharge-free ATMs world-wide. Click here to find locations near you:



3.11.2020 - Coronavirus COVID-19 Readiness Update

March 11, 2020

The health and well-being of our clients, colleagues, and communities remains the highest priority for FNBC Bank & Trust.  Our management team is monitoring the daily developments and guidance from local health authorities and the Centers for Disease Control and Prevention (CDC) on Coronavirus COVID-19.  We are proactively engaging in precautionary measures to minimize exposure and focusing on how we can best serve our customers as this situation continues to develop.

Workplace Precautions

  • Our banking offices are open and operating with a heightened awareness of CDC best practices for cleaning and disinfecting high-touch surfaces in all areas of the bank. Disinfectant wipes and hand sanitizers are available at all bank locations and our employees are cleaning their workstations regularly throughout the day. 
  • We are limiting in-person meetings and events, and rescheduling or changing required meetings to virtual meetings in an effort to minimize potential exposure.
  • Employees are enacting social distancing measures and limiting physical contact/handshakes when greeting clients and bank visitors.

What’s Next?

Our management team and employees are engaged in contingency planning to minimize service disruptions if self-quarantine measures become necessary.  We want to make sure you are aware of all the banking resources available to help you manage your money throughout this evolving situation.

Bank at Home

Whether you are choosing to limit your exposure in public spaces or if you are required to self-quarantine, you can rely on our Digital Banking and Online Banking services to monitor your accounts, access funds, pay bills, and pay people directly through various digital banking applications.  If you are not currently signed up for some of these services, you can do so by visiting our website at  Our ATMs are always available and will continue to be maintained for 24/7 service.

Be Safe

Scammers, hackers and thieves will not take a break for COVID-19. We encourage you to take advantage of security features we offer to help you detect and prevent fraud on your account. You can set up account and transaction alerts through Online Banking.  You can learn more about these account services on the Digital Banking page of our website.

In addition, remain aware of scammer emails and phone calls that are designed to offer healthcare or financial assistance in the coming weeks and know that FNBC Bank & Trust will never contact you to ask for your social security number, account number or personal information.  Be sure to contact us immediately if you believe your accounts, debit or credit cards or personal information has been compromised.

Additional Information

We will continue to monitor the situation and inform you of any new developments with regard to our hours, services or continued customer support.  For the most up-to-date information on Coronavirus COVID-19, visit the Centers for Disease Control & Prevention website at .