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  First Bank and Trust of Texas Signature Series Checking

First Bank and Trust of Texas Signature Series Checking

in Checking Accounts from Heartland Financial USA Inc · Member fdic

Unaffiliated

First Bank and Trust of Texas Signature Series Checking

Unaffiliated

in Checking Accounts from Heartland Financial USA Inc · Member FDIC

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Highlights
Monthly Fee $0 - $9
ATM Fee: Out-of-Network $2.50
Minimum Balance to Avoid Monthly Fee $50,000
APY (Annual Percentage Yield) 0% - 0.05%

First Bank and Trust of Texas Signature Series Checking Review

First Bank and Trust of Texas Signature Series 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 Signature Series Checking is 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 $9, but the fee is waived if you keep a minimum balance of $50,000.
  • $1,000 minimum deposit. This is a typical minimum initial deposit, but there are accounts that require a smaller initial deposit or have no minimum.
  • 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 Signature Series 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.
  • Charges a higher than average fee on out-of-network ATM transactions.
First Bank and Trust of Texas Signature Series 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 Signature Series Checking offer?

First Bank and Trust of Texas Signature Series Checking offers an APY starting at 0% and ranging up to .05% (APY stands for annual percentage yield, rates may change). However, to earn interest you must keep an average beginning day balance of at least $50000.

First Bank and Trust of Texas Signature Series Checking Rates and Terms
Rates Amount
APY (Annual Percentage Yield) 0% - .05%

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

First Bank and Trust of Texas Signature Series Checking requires a minimum initial deposit of $1,000 to open an account.

First Bank and Trust of Texas Signature Series Checking Account Minimums
Description Amount
Minimum Opening Deposit $1000
APY Minimum Balance $50,000
Minimum Combined Balance to Avoid Monthly Service Fee $100,000
Minimum Balance to Avoid Monthly Service Fee $50,000

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

This account charges a monthly service fee of up to $9.

First Bank and Trust of Texas Signature Series 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 - $9
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 Signature Series Checking charge overdraft fees?

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

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

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

This account includes the following features:

  • Fraud monitoring - First Bank and Trust of Texas Signature Series 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 Signature Series 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

APY Minimum Balance $50,000
Minimum Combined Balance to Avoid Monthly Fee $100,000
Minimum Opening Deposit Starting at $1,000
Minimum Balance to Avoid Monthly Fee $50,000
ATM Fee: In-Network $0
Bank Teller Fee $0
Check Cashing Fee $0
Online Bill Pay Fee $0
Debit Card Replacement Fee $12
Early Account Closure $25
Foreign Transaction Fee (Debit Card) 3%
Monthly Fee $0 - $9
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
  • FDIC Member
  • 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% - 0.05%

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