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  First Bank and Trust of Texas Platinum Checking
First Bank and Trust of Texas Platinum Checking Unaffiliated

First Bank and Trust of Texas Platinum Checking

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Highlights
Cashback Rewards N/A
APY (Annual Percentage Yield) 0.01% - 0.05%
Monthly Fee $0 - $12
Minimum Balance to Avoid Monthly Fee Starting at $7,500

First Bank and Trust of Texas Platinum Checking Review

First Bank and Trust of Texas Platinum 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 Platinum Checking are available in 1 state across the USA.

Key Takeaways

  • Low APY. The maximum annual percentage yield for this account is only .05%.
  • Charges a monthly fee. This account charges a monthly service fee of up to $12, but the fee is waived if you keep a minimum balance of $7,500.
  • $500 minimum deposit. This is a typical minimum initial deposit, but there are accounts that require a smaller initial deposit or have no minimum.
  • No ATM fees. First Bank and Trust of Texas Platinum Checking does not charge fees on ATM transactions.
  • Bill pay. Pay your bills to practically anyone in the United States through Heartland Financial USA Inc.

First Bank and Trust of Texas Platinum Checking Pros & Cons

Pros Cons
  • Interest-yielding account.
  • Access to physical branches.
  • Free debit card
  • No signup bonus.
  • Does not provide access to a nationwide ATM network.
  • Only available in one state.
  • Higher than average wire transfer fees.
  • Monthly service charge.

First Bank and Trust of Texas Platinum Checking FAQ

Are checking accounts from Heartland Financial USA Inc federally insured?

Yes, your deposits 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 Platinum Checking offer?

First Bank and Trust of Texas Platinum Checking offers an APY starting at .01% and ranging up to .05% (APY stands for annual percentage yield, rates may change).

First Bank and Trust of Texas Platinum Checking Rates and Terms
Rates Amount
APY (Annual Percentage Yield) .01% - .05%

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

First Bank and Trust of Texas Platinum Checking requires a minimum initial deposit of $500 to open an account.

First Bank and Trust of Texas Platinum Checking Minimums
Description
Minimum Opening Deposit Starting at $500
Minimum Balance to Avoid Monthly Fee Starting at $7,500

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

This account charges a monthly service fee of up to $12.

First Bank and Trust of Texas Platinum Checking Fees
Description
Monthly Fee $0 - $12
ATM Fee: In-Network $0
ATM Fee: Out-of-Network Starting at $0
ATM Reimbursement Monthly Limit $20
Bank Teller Fee $0
Foreign Transaction Fee (Debit Card) 3%
NSF Fee $35
Overdraft Item Fee $35
Overdraft Protection Fee (per transfer) $10
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
Online Bill Pay Fee $0
Check Cashing Fee $0
Debit Card Replacement Fee $12
Early Account Closure $25

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

Yes, First Bank and Trust of Texas Platinum Checking charges a $35 fee for every overdraft. You can get overdraft protection at a cost of $10 per transaction.

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

This account includes the following features:

  • Fraud monitoring - First Bank and Trust of Texas Platinum Checking 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 - First Bank and Trust of Texas Platinum 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.

What is the customer support email for First Bank and Trust of Texas Platinum Checking?

The customer support email for First Bank and Trust of Texas Platinum Checking is jberg@htlf.com.

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Message From First Bank and Trust of Texas Platinum Checking

Choose the Account That’s Right for You! We offer a checking solution that fits your life. Platinum Checking is an interest-bearing checking account that will earn you a premium interest just by keeping a minimum balance. A perfect mid-tier account that pays a strong interest rate. Plus, enjoy free checks and ATM fee refunds when at least one direct deposit per month posts to your account during the monthly statement cycle.

Availability

  Available in 1 state
Texas
Availabile in all of Texas

Feature Breakdown

Minimum Opening Deposit Starting at $500
Minimum Balance to Avoid Monthly Fee Starting at $7,500
Monthly Fee $0 - $12
ATM Fee: In-Network $0
ATM Fee: Out-of-Network Starting at $0
ATM Reimbursement Monthly Limit $20
Bank Teller Fee $0
Foreign Transaction Fee (Debit Card) 3%
NSF Fee $35
Overdraft Item Fee $35
Overdraft Protection Fee (per transfer) $10
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
Online Bill Pay Fee $0
Check Cashing Fee $0
Debit Card Replacement Fee $12
Early Account Closure $25
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of Identity
  • Government Issued Photo ID
  • Social Security Number
Account Features
  • No ATM Fees
  • Free Bill Pay
  • Mobile Check Deposit
  • Interest Bearing Account
  • Mobile Banking
  • Fraud Monitoring
  • Debit Card
  • Branch Access
  • Member FDIC
  • Check Writing
  • Expense Management
APY (Annual Percentage Yield) 0.01% - 0.05%

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