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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, 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
  • 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.
First Bank and Trust of Texas Signature Series Checking Pros & Cons
Pros Cons
  • Interest-yielding account.
  • No signup bonus.
  • Does not offer mobile check deposits.
  • Does not provide access to a nationwide ATM network.
  • Does not come with a debit card
  • Not FDIC-insured.
  • 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?

No, your Heartland Financial USA Inc checking accounts are not insured by a federal insurance agency. This means that if Heartland Financial USA Inc were to fall into financial difficulties, your deposits are not covered by a government backed insurance fund like the FDIC or NCUSIF.

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 Balance to Earn APY $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.

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 Starting at $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:

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 Heartland Financial USA Inc

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 Balance to Earn APY $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
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 Starting at $2.50
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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