FDIC Insured – Backed with the full faith and credit of the U.S. Government
Quick Help
To report a lost or stolen card, follow these steps:
Call Us Immediately: Contact Bank & Trust Company as soon as you realize your card is lost or stolen by calling our customer service number at 800-930-3935. Our customer service representative might ask you security questions to verify your identity. After business hours call (800)-264-4274, then choose option 3.
Turn Off Your Card: If you use mobile banking, please turn off your card through the app. If you do not use mobile banking, our bookkeeping team will take care of this for you.
Monitor Your Account: Keep an eye on your account for any unauthorized transactions and report them immediately.
Turn your debit card on or off in real-time through the Bank & Trust Company app. Go to the main menu, select “Documents & Settings”, choose “Manage Cards”, then tap the button to turn the card on or off to stop any point-of-sale charges or ATM withdrawals. This will not affect any recurring or monthly charges you have linked to your debit card. It will help combat fraud.
Find other Bank & Trust Company locations or in-network ATMs right in the B&T app. Tap “Locations” at the bottom of the screen, then tap any location for more information. Search for an in-network ATM using the link directly under the map at the top of the location page. Additionally, we are a proud member of both the AlphaLink and MoneyPass ATM networks, offering you even more convenient access to no-surcharge ATMs nationwide.
Call Us Immediately: Contact Bank & Trust Company as soon as you realize you have fraudulent transactions on your card by calling our customer service number at 800-930-3935. Our customer service representative might ask you security questions to verify your identity. After business hours, call (800)-264-4274, then choose option 3.
Direct Deposit & Transactions/Payments
Send funds person-to-person (or P2P) within the Bank & Trust Company app. Fill in the name, choose a payment method, and then add the pertinent information. Choose “Transfers” at the bottom of the screen, then “My Payees” at the top right. Tap the “+” sign to add a new payee, then select “Person-to-Person”. (If you don’t see P2P call us to activate this function.) The payee will be contacted by the method you choose to accept the payment. After they respond they will appear here as an available transfer recipient.
Direct deposit can be established with most employers and government agencies as well as pension funds. Please provide Bank & Trust Company’s routing number (081903537) and your account number to your employer/agency. Our customer service representatives will be happy to assist you in finding your account number.
Set up recurring transfers between accounts or loan payments within the Bank & Trust Company app. Select “Transfers” from the bottom of the screen, tap “New Transaction”, and select the account to transfer funds from, then select the recipient account. Enter the amount, the date to begin the transfer, the occurrence frequency, and add a note if desired. A summary will appear, and then you may submit. You can edit or delete recurring transactions at any time.
You can transfer between Bank & Trust Company accounts, or make loan payments, all within the B&T app. Go to the main menu and select “Pay, Transfer, and Receive”, then choose “Move Money” or you can select “Transfers” from the bottom of the screen. Tap “New Transaction”, select the account to transfer funds from, then the recipient account, then enter the amount, date of transfer, occurrence frequency, and add a note if desired. A summary will appear and then you may submit.
Bill Pay is an added service that Bank & Trust Company provides. There is a cost of $4.95 ($7.95 for business accounts) a month, though some account types receive Bill Pay at no charge. Call 800.930.3935 to speak to a Customer Service Representative if you are interested in learning more!
Generally, branch transactions processed prior to 4:00 P.M. Monday through Friday will post to your account that same day. (Some branch locations may have a different cut-off time.) Debit transactions vary by merchant.
Find other Bank & Trust Company locations or in-network ATMs right in the B&T app. Tap “Locations” at the bottom of the screen, then tap any location for more information. Search for an in-network ATM using the link directly under the map at the top of the location page. Additionally, we are a proud member of both the AlphaLink and MoneyPass ATM networks, offering you even more convenient access to in-network ATMs nationwide.
To deposit a check using Mobile Check Deposit, log in to your Bank & Trust Company mobile app. From the main page, click the menu at the bottom left of the screen. Under the “Pay, Transfer, and Receive” section, select “Deposit Checks.” Make sure your check is endorsed with “For Mobile Deposit Only” beneath your signature. You will be prompted to choose a deposit account, take photos of the front and back of the check, and enter the check amount. If you have additional checks, you can add them by following the same process. Once all checks are ready, hit “Submit” to complete the deposit.
General
Bank & Trust Company is an FDIC Member, meaning FDIC insurance covers deposits up to $250,000 per depositor, per ownership category, per FDIC-insured bank. To find out specific information visit the Federal Deposit Insurance Corporation’s website and use their handy EDIE calculator.
In 2025, Bank & Trust Company will be closed on the following holidays: New Year’s Day on January 1, Martin Luther King Day on January 20, President’s Day on February 17, Memorial Day on May 26, Juneteenth on June 19, Independence Day on July 4, Labor Day on September 1, Columbus Day on October 13, Veterans Day on November 11, Thanksgiving Day on November 27, and Christmas Day on December 25. Additionally, please note that the bank will be closing early at 12 PM on Christmas Eve (December 24) and 3PM on New Year’s Eve (December 31).
Bank & Trust Company’s routing number is 081903537.
The picture below is of a sample check. The routing number (circled in red on the sample) is usually on the bottom-left of the check. The account number (circled in green) is usually next, and the number to the far-right (circled in blue) is the check number.
Bank & Trust Company offers a variety of accounts to suit your needs, including savings accounts, checking accounts, certificates of deposits (CDs), retirement accounts (IRAs), and Christmas Clubs. For more information on which account is right for you, please call 800.930.3935 and speak with a customer representative or stop by your nearest branch.
Our main location is in Litchfield, where we have two branches to serve you better. In addition to our main branches, Bank & Trust Company is proud to serve the community with branches in several other locations, including Carlinville, Chatham, Coffeen, Farmersville, Fillmore, Irving, Raymond, Rochester, and Witt. For more information please view “Our Locations” page.
Loans
At Bank & Trust Company, you cannot apply for a loan directly online. However, you can print out a loan application from our loans page on our website and submit it to your nearest branch. Our team will ensure that your application is forwarded to the loan officer best suited to help you achieve your financial goals. If you need assistance with the application process or have any questions, our branch staff is here to help.
Loan payments can be made in various ways, including online through our banking site or app, via automatic debit from your account, by mail, or in person at any of our branches. However, please note that the final payment on your loan cannot be made through these methods. For the final payment, you will need to visit one of our branches in person to complete the process.
Loan approval times can vary depending on the type of loan and your financial situation. Generally, you can expect a decision within a few business days after submitting all necessary documentation.
The documents required vary depending on the type of loan. Typically, you will need identification, proof of income, and details about the collateral (if applicable). Our loan officers can provide a detailed list based on your specific loan application.
Bank & Trust Company offers a comprehensive range of loan products designed to meet your personal and business financial needs. For individuals, we provide auto loans for purchasing new or used vehicles, home equity lines of credit and home equity loans for leveraging the value of your home, mortgage loans for buying or refinancing your home, construction loans for building new properties, and personal loans for various financial needs.
For businesses and agricultural clients, we offer specialized solutions, including business loans, commercial real estate loans, letters of credit, and our Bank & Trust Company Business Line of Credit. We also provide USDA Rural Development Loans, farm real estate loans, livestock loans, farm machinery and equipment financing, and farm operating loans, tailored to support agricultural operations and rural development.
Our team is here to help you find the right loan option tailored to your specific requirements. Whether you’re an individual seeking a personal loan or a business owner looking to expand, we are committed to your success.
Mobile Banking
To change your Bank & Trust mobile app security questions, first log in to the mobile app with your credentials. Once logged in, navigate to the “Profile” icon at the bottom right of the screen. Under the “Login Settings” section, click on “Change Security Questions.” Here you can select new security questions, enter your new answers, and then submit them. Finally, make sure to hit “Save” to ensure your changes are updated in the system.
To reset your debit card PIN number within the Bank & Trust Company app go to the main menu and select “Documents & Settings”, then select “Manage Cards”. Tap a card and select “Change Pin”. Enter the new PIN twice, then submit. You will need to verify that it’s you for the new PIN to be accepted, either by password or by multi-factor authentication.
You can raise your debit card limit within the B&T app. Go to the main menu, choose “Documents & Settings” then “Manage Cards”. Tap the card, then select “Raise Debit Card Limit” from the menu. You may raise your limit to the lesser of the account balance or $5,000. This limit will remain raised for 30 minutes.
You can name, reorder, and hide accounts within the B&T app. Choose manage profile at the top of the main menu, then scroll down to application settings. Choose any options to make changes to your account view and make the mobile banking experience tailored to you.
Go to the main menu, and select “Documents and Settings”, then select “Manage Cards”. Tap a card, select “Travel Notifications” from the menu, add your travel locations and dates, then submit.
To use mobile banking, click here, scroll to the “Mobile Banking” section, and download the app using the QR code, or by searching your app store for Bank & Trust Company. Then install, open, and follow the directions. (If you have online banking, you can use your online banking username/password to access your accounts through mobile banking.)
Turn your debit card on or off in real-time through the Bank & Trust Company app. Go to the main menu, select “Documents & Settings”, choose “Manage Cards”, then tap the button to turn the card on or off to stop any point of sale charges or ATM withdrawals. This will not affect any recurring or monthly charges you have linked to your debit card. It will help combat fraud
Mobile banking allows you to conduct banking transactions using your mobile phone. You can conduct most any of the transactions available through online banking using your mobile phone, including Bill Pay if you’re enrolled in that feature.
Online Banking
If you have signed up for online banking and opted to receive digital statements, your statements will be viewable when you log in. You can find the statements under “Documents & Settings” under the main menu, then select “Documents”, and choose “Statements” as the document type.
Please contact a Customer Service Representative by calling 800.930.3935.
To pay your bills online, you must first be an online banking customer. While there is a $4.95 monthly fee, our DiamondPlus customers receive this option as part of their enrollment. Log in to online banking, click on the “Bill Pay” link, and fill out the application. You’ll be notified of your acceptance. Then, you must add your payees: to add a payee, you will need the payee’s name, address, phone number and the billing account number.
If you forget your online banking password, follow these steps to reset it:
- Visit the Login Page: Go to the Bank & Trust Company online banking login page.
- Click on ‘Forgot Password’: Look for and click the ‘Forgot Password’ link or button.
- Verify Your Identity: You will be prompted to answer a security question to verify your identity.
- Reset Your Password: Follow the instructions to create a new password.
- Log In: Once your password has been reset, you can log in to your online banking account with your new password.
If you encounter any issues or need further assistance, please contact our customer service team for help.
Security
- Never provide your personal information in response to an unsolicited request.
- If you believe the contact may be legitimate, hang up, and verify by contacting the financial institution directly.
- Never provide your password over the phone or in response to an unsolicited Internet request.
- Review account statements regularly to ensure all charges are correct.
To report a suspicious email or phone call, please follow these steps:
Do Not Respond: Avoid clicking on any links or providing personal information if you suspect the communication is fraudulent.
Verify Contact: If you are unsure whether a communication is genuinely from Bank & Trust Company, call us directly at 800.930.3935 to verify if we are trying to contact you.
Call Us Immediately: Contact Bank & Trust Company as soon as you realize you have fraudulent transactions on your card by calling our customer service number at 800.930.3935. Our customer service representative might ask you security questions to verify your identity. After business hours, call (800).264.4274, then choose option 3.
Please, notify us right away. The FTC has provided an Identity Theft Recovery Guide to help you take the necessary precautions. Also, if you are a DiamondPlus Checking account holder, contact BaZing and enlist the help of their ID theft specialists.
Trust & Wealth Management
For more information about our trust and wealth management services, please visit our designated Wealth Management & Trust page or contact Denise Shrewsbury-DeLaCruz or Roger Krabbe. They will be happy to assist you and provide further details about our offerings.
To be considered for a bequest, you need to fill out the application provided for the specific trust you’re petitioning. Ensure you submit the required number of copies and provide proof of your organization’s qualification as a charitable organization under the Internal Revenue Code.
