First Bank and Trust of Texas Regular Money Market

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 across the USA.

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 service fee of up to $15, but the fee is waived if you keep a minimum balance of $2,500.
• High minumum 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

Pros	Cons
High-interest yield. Access to physical branches. Deposit checks remotely.	No signup bonus. Does not provide a debit card. Only available in one state. Monthly service charge.

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 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 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.

First Bank and Trust of Texas Regular Money Market Rates and Terms

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.

Heartland Financial USA Inc will charge you a $15 fee if you exceed your maximum number of monthly transactions.

Heartland Financial USA Inc will allow you to make up to 6 withdrawals or transactionss per month. That is also the maximum set by federal regulations.

First Bank and Trust of Texas Regular Money Market Fees

Fees	Amount
Monthly Fee	up to $15
Paper Statement Fee	$3
Excess Transaction Fee	$15

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 business card 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.