First Bank and Trust of Texas Signature Series Checking
in Checking Accounts from Heartland Financial USA Inc · fdic
UnaffiliatedFirst Bank and Trust of Texas Signature Series Checking
in Checking Accounts from Heartland Financial USA Inc · Member FDIC
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| Monthly Fee | $0 - $9 |
| ATM Fee: Out-of-Network | $2.50 |
| Minimum Balance to Avoid Monthly Fee | Starting at $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.
- Higher than average APY. First Bank and Trust of Texas Signature Series Checking has an annual percentage yield of up to .05%, which is higher than the national average interest rate on savings accounts. Note that you must keep a minimum balance of $50000.
- 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.
- Bill pay. Pay your bills to practically anyone in the United States through Heartland Financial USA Inc.
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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.
| 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.
| Description | |
|---|---|
| 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 | Starting at $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.
| 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.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 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 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.
What is the customer support email for First Bank and Trust of Texas Signature Series Checking?
The customer support email for First Bank and Trust of Texas Signature Series Checking is jberg@htlf.com.
Message From First Bank and Trust of Texas Signature Series Checking
Contact
- Headquarters
-
1398 Central Avenue
Dubuque, IA 52001 - Visit Site
- Email Support
Other Services by Heartland Financial USA Inc
Availability
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 | Starting at $50,000 |
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