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  First Bank and Trust of Texas Free Checking

First Bank and Trust of Texas Free Checking

in Checking Accounts from Heartland Financial USA Inc · Member fdic

Unaffiliated

First Bank and Trust of Texas Free Checking

Unaffiliated

in Checking Accounts from Heartland Financial USA Inc · Member FDIC

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Highlights
Monthly Fee $0
ATM Fee: Out-of-Network $2.50
Minimum Balance to Avoid Monthly Fee $0
APY (Annual Percentage Yield) 0%

First Bank and Trust of Texas Free Checking Review

First Bank and Trust of Texas Free Checking is offered by Heartland Financial USA Inc, a nonbank financial services provider founded in 1981 and based in Dubuque, IA. First Bank and Trust of Texas Free Checking is available in 1 state across the USA.

Key Takeaways
  • 0% APY. As with most checking accounts, First Bank and Trust of Texas Free Checking does not pay interest.
  • $0 monthly fee. This account does not charge a monthly Service Charge.
  • Free bill pay. Pay your bills to practically anyone in the United States through Heartland Financial USA Inc.
  • Hard credit pull. Heartland Financial USA Inc may require a hard pull on your credit report to open a checking account.
First Bank and Trust of Texas Free Checking Pros & Cons
Pros Cons
  • Access to physical branches.
  • Free debit card
  • No signup bonus.
  • Does not earn interest
  • Does not provide access to a nationwide ATM network.
  • Only available in one state.
  • Higher than average wire transfer fees.
  • Charges a higher than average fee on out-of-network ATM transactions.
First Bank and Trust of Texas Free Checking FAQ

Are checking accounts from Heartland Financial USA Inc federally insured?

Yes, your Heartland Financial USA Inc checking accounts are insured up to $250,000 per person by the Federal Deposit Insurance Corporation (FDIC). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.

What APY does First Bank and Trust of Texas Free Checking offer?

First Bank and Trust of Texas Free Checking is not an interest-bearing account.

What are the account minimums for First Bank and Trust of Texas Free Checking?

First Bank and Trust of Texas Free Checking requires a minimum initial deposit of $25 to open an account.

First Bank and Trust of Texas Free Checking Account Minimums
Description Amount
Minimum Opening Deposit $25

What fees does First Bank and Trust of Texas Free Checking charge?

The good news is that this account does not have a monthly Service Charge.

First Bank and Trust of Texas Free Checking Fees
Description
ATM Fee: In-Network $0
Bank Teller Fee $0
Check Cashing Fee $0
Debit Card Replacement Fee $12
Early Account Closure $25
Foreign Transaction Fee (Debit Card) 3%
Monthly Fee $0
NSF Fee $35
Online Bill Pay Fee $0
Overdraft Item Fee $35
Overdraft Protection Fee (per transfer) $10
Paper Statement Fee $3
Stop Payment Fee $35
Wire Transfer Fee - Domestic (Incoming) $12
Wire Transfer Fee - Domestic (Outgoing) $30
Wire Transfer Fee - International (Incoming) $15
Wire Transfer Fee - International (Outgoing) $45
ATM Fee: Out-of-Network $2.50

Does First Bank and Trust of Texas Free Checking charge overdraft fees?

Yes, First Bank and Trust of Texas Free Checking charges a $35 fee for every overdraft fee.

First Bank and Trust of Texas Free Checking offers overdraft protection at a cost of $10 per transaction.

What features and perks does First Bank and Trust of Texas Free Checking offer?

This account includes the following features:

  • Fraud monitoring - First Bank and Trust of Texas Free Checking monitors transactions for potentially fraudulent activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
  • Free Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - First Bank and Trust of Texas Free Checking allows you to manage your money online or with a mobile app. This includes depositing checks in your account with a mobile app on your smartphone.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Availability

  Available in 1 state
Texas
Availabile in all of Texas

Feature Breakdown

Minimum Opening Deposit Starting at $25
Minimum Balance to Avoid Monthly Fee $0
ATM Fee: In-Network $0
Bank Teller Fee $0
Check Cashing Fee $0
Monthly Fee $0
Online Bill Pay Fee $0
Debit Card Replacement Fee $12
Early Account Closure $25
Foreign Transaction Fee (Debit Card) 3%
NSF Fee $35
Overdraft Item Fee $35
Overdraft Protection Fee (per transfer) $10
Paper Statement Fee $3
Stop Payment Fee $35
Wire Transfer Fee - Domestic (Incoming) $12
Wire Transfer Fee - Domestic (Outgoing) $30
Wire Transfer Fee - International (Incoming) $15
Wire Transfer Fee - International (Outgoing) $45
ATM Fee: Out-of-Network $2.50
Bank Account Features
  • Free Bill Pay
  • Mobile Check Deposit
  • No Monthly Maintenance Fee
  • Mobile Banking
  • Fraud Monitoring
  • Fraud Protection
  • Debit Card
  • Branch Access
  • FDIC Member
  • Check Writing
  • Expense Management

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