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  First Bank and Trust of Texas Signature Series Checking
First Bank and Trust of Texas Signature Series Checking Unaffiliated

First Bank and Trust of Texas Signature Series Checking

Unaffiliated
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Highlights
Cashback Rewards N/A
APY (Annual Percentage Yield) 0% - 0.05%
Monthly Fee $0 - $9
Minimum Balance to Avoid Monthly Fee Starting at $50,000

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 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 $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.

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 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 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 Minimums
Description
Minimum Opening Deposit Starting at $1,000
Minimum Balance to Avoid Monthly Fee Starting at $50,000
Minimum Combined Balance to Avoid Monthly Fee $100,000
Minimum Balance to Earn APY $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
Monthly Fee $0 - $9
ATM Fee: In-Network $0
ATM Fee: Out-of-Network Starting at $2.50
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
Paper Statement Fee $3
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 Signature Series Checking charge overdraft fees?

Yes, First Bank and Trust of Texas Signature Series 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 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.

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Message From First Bank and Trust of Texas Signature Series Checking

Choose the Account That’s Right for You! We offer a checking solution that fits your life. Signature Series Checking, Receive a high interest rate on large balances and robust benefits from our premier account. Enjoy add-ons such as concierge travel services, free checks and more. Our Signature Series interest-bearing checking account rewards those with higher balances. In addition to a competitive interest rate, Signature Series clients receive waived fees on incoming domestic wires and stop payments when minimum average daily balance is met.

Availability

  Available in 1 state
Texas
Availabile in all of Texas

Feature Breakdown

Minimum Opening Deposit Starting at $1,000
Minimum Balance to Avoid Monthly Fee Starting at $50,000
Minimum Combined Balance to Avoid Monthly Fee $100,000
Minimum Balance to Earn APY $50,000
Monthly Fee $0 - $9
ATM Fee: In-Network $0
ATM Fee: Out-of-Network Starting at $2.50
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
Paper Statement Fee $3
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
  • 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% - 0.05%

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