Before You Apply

Thank you for choosing First Bank & Trust, a division of HTLF Bank. We offer a number of excellent business account options and services.

To qualify for a business account, your business must meet the following criteria:

  • Business located in the United States
  • Appropriate licensing and official records documenting your business as legitimate. Click here for our Business Record Requirements.
This application process will take approximately 20 minutes. To complete this application, you will need:
  • Business Employer Identification Number (EIN) or Social Security Number (SSN) for Sole Proprietorships
  • Your personal U.S. Social Security Number
  • Your personal U.S. Citizenship or Resident alien status
  • Your Driver's License, Passport, Military ID or State ID
  • Personal information for up to three additional account signers
  • Existing account information or credit card information for new account funding purposes
For your security, the system will log you off if there is no activity for 15 minutes.

AFTER filling out the application...
Before your account can be approved, you have 30 days to provide us with a few required documents. When you open a new account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

Important Information About Procedures for Opening a New Account
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account.

What This Means to You:
When you open a new account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents including business licenses and other business records.
The Electronic Disclosure and Consent contains important information that you are entitled to receive before you consent to transact business with us and receive communications from us electronically. Please read this notice carefully and print or download a copy for your files.