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  First Bank and Trust of Texas Platinum Checking

First Bank and Trust of Texas Platinum Checking

in Checking Accounts from Heartland Financial USA Inc · fdic

Unaffiliated

First Bank and Trust of Texas Platinum Checking

Unaffiliated

in Checking Accounts from Heartland Financial USA Inc · Member FDIC

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Highlights
Monthly Fee $0 - $12
ATM Fee: Out-of-Network $0
Minimum Balance to Avoid Monthly Fee Starting at $7,500
APY (Annual Percentage Yield) 0.01% - 0.05%

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 is available in 1 state across the USA.

Key Takeaways
  • Higher than average APY. First Bank and Trust of Texas Platinum Checking has an annual percentage yield of up to .05%, which is higher than the national average interest rate on savings accounts.
  • 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 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 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
ATM Fee: In-Network $0
ATM Reimbursement Monthly Limit $20
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 - $12
NSF Fee $35
Online Bill Pay Fee $0
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
ATM Fee: Out-of-Network $0

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.

First Bank and Trust of Texas Platinum Checking offers 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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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.

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
ATM Fee: In-Network $0
Bank Teller Fee $0
Check Cashing Fee $0
Online Bill Pay Fee $0
ATM Fee: Out-of-Network $0
ATM Reimbursement Monthly Limit $20
Debit Card Replacement Fee $12
Early Account Closure $25
Foreign Transaction Fee (Debit Card) 3%
Monthly Fee $0 - $12
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
Account Features
  • No ATM Fees
  • Member FDIC
  • Check Writing
  • Branch Access
  • Debit Card
  • Free Bill Pay
  • Fraud Monitoring
  • Mobile Banking
  • Interest Bearing Account
  • Mobile Check Deposit
  • Expense Management
APY (Annual Percentage Yield) 0.01% - 0.05%

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