Last Updated: 04/18/2025
First Bank and Trust of Texas Regular Money Market
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Last Updated: 04/18/2025
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Highlights
APY (Annual Percentage Yield)
0.01% - 0.2%(Verified 06/21/2024)
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Minimum Balance to Earn APY
$2,500
Minimum Opening Deposit
Starting at $2,500
First Bank and Trust of Texas Regular Money Market Review
First Bank and Trust of Texas Regular Money Market 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 Regular Money Market are available in 1 state.
Key Takeaways
- Very high annual percentage yield (APY). This account offers an annual percentage yield of up to 0.2%, which is much higher than the national average for a money market account. However, you must keep a minimum balance of $2500.
- Charges a monthly fee. This account charges a monthly fee of up to $15, but the fee may be waived if you keep a minimum balance of$2,500.
- High minumum opening deposit. You must deposit a minimum of $2,500, which is high compared to most money market accounts.
Pros & Cons of First Bank and Trust of Texas Regular Money Market
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First Bank and Trust of Texas Regular Money Market FAQ
Are money market accounts from Heartland Financial USA Inc federally insured?
Yes, your deposits are insured 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 are the interest rates for First Bank and Trust of Texas Regular Money Market rates?
First Bank and Trust of Texas Regular Money Market offers an APY starting at 0.01% and ranging up to 0.2% (APY stands for annual percentage yield, rates may change). However, to earn interest you must keep a minimum balance of $2500.
| Rates | Amount |
| APY (Annualized Percentage Yield) | 0.01% - 0.2% |
What are the fees for First Bank and Trust of Texas Regular Money Market?
This account charges a monthly maintenance fee of up to $15. You can avoid this fee by maintaining a balance of $2,500.| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Maintenance Fee | $0 - $15 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $3 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| NSF Fee | $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What is the minimum balance for First Bank and Trust of Texas Regular Money Market?
Minimum deposit of $2,500. You must make an initial deposit of at least $2,500 to open this account.
Monthly maintenance fee waiver. You can avoid the monthly fee if you keep a balance of $2,500.
Interest rate minimum balance of $2,500. You must keep the account balance above $2,500 to earn interest.
What features and perks does First Bank and Trust of Texas Regular Money Market offer?
This account includes the following features:
- Fraud monitoring - Heartland Financial USA Inc monitors transactions for potentially fraudulent activity.
- Mobile Banking Services - First Bank and Trust of Texas Regular Money Market allows you to manage your money through online banking and a dedicated mobile app. This includes depositing checks in your account with your smartphone.
What is the customer service phone number?
The customer service number for this account is .
What is the support contact email?
The support contact email for this business credit card is jberg@htlf.com.
How to open an account with Heartland Financial USA Inc
- Visit the Heartland Financial USA Inc website.
- Fill in the application form. You will typically need to provide general financial information, such as your name, Social Security Number and address.
- Check the information is accurate and submit your application.
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Hours of Operation
SundayClosedMonday9:00AM - 4:00PMTuesday9:00AM - 4:00PMWednesday9:00AM - 4:00PMThursday9:00AM - 4:00PMFriday9:00AM - 4:00PMSaturdayClosed
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APY (Annual Percentage Yield)
0.01% - 0.10%
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Minimum Balance to Earn APY
$10K
Minimum Opening Deposit
Starting at $10K
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