Founded in 1928, First American Bank and Trust Company began as a private banking company. It is a full-service commercial bank that is insured by the Federal Deposit Insurance Corporation. First American Bank and Trust Company offers a variety of personal and commercial checking, savings and money market accounts and certificates of deposits. The bank also offers individual retirement accounts, mortgages, home equity, commercial and personal loans, credit cards and trust services. In addition to the main office, First American Bank and Trust Company has four full-service branches and several ATM locations throughout Georgia. It also offers online and telephone banking, as well as debit and credit cards.