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Last Updated: 01/21/2026

First Bank and Trust of Texas Free Checking

from Heartland Financial USA Inc

Last Updated: 01/21/2026

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Highlights

Welcome Offer

N/A(Verified 09/28/2022)

Rewards

N/A

APY (Annual Percentage Yield)

0%(Verified 06/21/2024)

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Monthly Maintenance Fee

$0(Verified 01/21/2026)

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First Bank and Trust of Texas Free Checking Review

The 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. FirstBank and Trust checking account is available in 1 state.

Key Takeaways

0% APY. As with most checking accounts, First Bank and Trust of Texas Free Checking does not pay interest.
No monthly maintenance fees. This account does not charge any monthly account fees.
Bill pay. Pay your bills to practically anyone in the United States when you enroll in Heartland Financial USA Inc mobile or online banking.

FirstBank and Trust checking account Pros & Cons

Pros

Cons

Access to physical branches.
Debit card

No signup bonus.
Does not earn interest
Does not provide access to a nationwide ATM network.
Only available in one state.
Charges a fee on out-of-network ATM transactions.

FirstBank and Trust checking account FAQ

Are checking accounts from Heartland Financial USA Inc federally insured?

Yes, your deposits are insured 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 FirstBank and Trust checking account offer?

FirstBank and Trust checking account is not an interest-bearing account.

What are the account minimums for FirstBank and Trust checking account?

FirstBank and Trust checking account requires a minimum initial deposit of $25.

First Bank and Trust of Texas Free Checking Minimums

Description

Minimum Average Balance to Avoid Monthly Service Fee

Starting at $0

Minimum Opening Deposit

Starting at $25

What fees does FirstBank and Trust checking account 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

Monthly Maintenance Fee

Paper Statement Fee

Starting at $3

ATM Fee: In-Network

Starting at $0

ATM Fee: Out-of-Network (within the U.S.)

Starting at $2.5

NSF Fee

$35

Overdraft Item Fee

Starting at $35

Early Account Closure

Starting at $25

Card Replacement Fee (Standard Delivery)

Starting at $12

Bank Teller Fee

Check Cashing Fee

Online Bill Pay Fee

Starting at $0

Stop Payment Fee

Starting at $35

Foreign Transaction Fee (Debit Card)

Starting at 3%

Wire Transfer Fee - US Domestic (Outgoing)

Starting at $30

Wire Transfer Fee - International (Outgoing)

Starting at $45

Wire Transfer Fee - International (Incoming)

Starting at $15

Wire Transfer Fee - US Domestic (Incoming)

Starting at $12

Does FirstBank and Trust checking account charge overdraft fees?

Yes, FirstBank and Trust checking account charges a $35 fee for every overdraft.

What features and perks does FirstBank and Trust checking account offer?

This account includes the following features:

Fraud monitoring - FirstBank and Trust checking account monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
Mobile Banking Services - FirstBank and Trust checking account 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.

What is the customer support email for FirstBank and Trust checking account?

The customer support email for FirstBank and Trust checking account is jberg@htlf.com.

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Message from FirstBank and Trust checking account

Choose the Account That’s Right for You! We offer a checking solution that fits your life. A simple, straightforward checking account without monthly fees. If you are looking for simple convenience, this checking account is for you! Free Checking with eStatement offers unlimited check writing, online/mobile banking, Debit Card and $0 monthly fees when eStatements are selected. Hassle-free checking designed for those who prefer ease and simplicity in banking.

Contact

Headquarters

1398 Central Avenue

Dubuque, IA 52001

Visit Site

Email Support

Hours of Operation

SundayClosedMonday9:00AM - 4:00PMTuesday9:00AM - 4:00PMWednesday9:00AM - 4:00PMThursday9:00AM - 4:00PMFriday9:00AM - 4:00PMSaturdayClosed

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Bonus Offer

N/A

Cashback Rewards

N/A

APY (Annual Percentage Yield)

.01% - .05%

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Monthly Service Fee

$0 - $12

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First Bank and Trust of Texas Signature Series Checking

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Bonus Offer

N/A

Cashback Rewards

N/A

APY (Annual Percentage Yield)

0% - .05%

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Monthly Service Fee

$0 - $9

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SuperMoney Net Recommendation Score

This product has no reviews yet. Help others by sharing your thoughts.

-1000+100

No one recommends

Everyone recommends

The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.