First Bank & Trust Routing Number: South Dakota Banking Guide

What is the First Bank & Trust routing number?

First Bank & Trust uses routing number 091408598 for ACH transactions, direct deposits, and electronic payments. First Bank & Trust is headquartered in Brookings, South Dakota, and is a subsidiary of Heartland Consumers Power District.

First Bank & Trust operates across South Dakota with a focus on personal banking, business banking, agricultural lending, and wealth management. The bank has built a strong reputation for community involvement and personalized financial services.

How to find your First Bank & Trust routing number

Your First Bank & Trust routing number appears on the bottom-left corner of your checks. It can also be found through online banking or by calling customer service.

Multiple banks across the country share variations of the "First Bank & Trust" name. Routing number 091408598 is specifically for the South Dakota-based First Bank & Trust. Always confirm you are using the routing number for the correct institution.

First Bank & Trust direct deposit

Set up direct deposit by providing your employer with routing number 091408598 and your account number. First Bank & Trust processes payroll, government benefits, tax refunds, and agricultural subsidy payments through the ACH network.

The bank supports both personal and business direct deposit services. Business clients can also use ACH origination for payroll distribution and vendor payments.

First Bank & Trust wire transfers

First Bank & Trust supports domestic wire transfers via the Fedwire system. Same-day processing is available for wires submitted before the daily cutoff time. Standard wire fees apply.

For international wire transfers, contact your First Bank & Trust branch for availability, fees, supported currencies, and processing timelines.

Business banking with Slash

First Bank & Trust provides personalized community banking in South Dakota with strengths in agricultural and small business lending. For businesses that need digital-first financial tools, Slash offers unlimited virtual cards, automated expense management, and real-time spend visibility.

Slash delivers integrated payment infrastructure with ACH and wire capabilities, multi-user access controls, and native accounting software integrations for modern business operations.