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  First Bank and Trust of Texas Regular Savings

First Bank and Trust of Texas Regular Savings

in Savings Accounts from Heartland Financial USA Inc · fdic

Unaffiliated

First Bank and Trust of Texas Regular Savings

Unaffiliated

in Savings Accounts from Heartland Financial USA Inc · Member FDIC

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Highlights
Monthly Fee $0 - $3
APY (Annual Percentage Yield) 0.05%
APY Minimum Balance $0.01

First Bank and Trust of Texas Regular Savings Review

First Bank and Trust of Texas Regular Savings 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 Savings is available in 1 state across the USA.

Key Takeaways
  • Higher than average APY. First Bank and Trust of Texas Regular Savings 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 $.01.
  • Charges a monthly fee. This account charges a monthly service fee of up to $3, but the fee is waived if you keep a minimum balance of $100.
  • $100 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 Regular Savings 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.
First Bank and Trust of Texas Regular Savings FAQ

Are savings accounts from Heartland Financial USA Inc federally insured?

Yes, your Heartland Financial USA Inc savings 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.

Does Heartland Financial USA Inc offer a signup bonus?

First Bank and Trust of Texas Regular Savings doesn't offer a signup bonus.

What is the minimum initial deposit for First Bank and Trust of Texas Regular Savings?

The minimum deposit to open a First Bank and Trust of Texas Regular Savings is $100.
First Bank and Trust of Texas Regular Savings Minimums
Description
APY Minimum Balance $0.01
Minimum Balance to Avoid Monthly Fee Starting at $100
Minimum Opening Deposit Starting at $100

What APY does Heartland Financial USA Inc offer?

First Bank and Trust of Texas Regular Savings offers an APY of .05% (APY stands for annual percentage yield, rates may change).

The interest rate on a savings account or checking account can change based, in part, on what the Federal Reserve does. Note that the APY of a savings account is the amount of interest you will earn if you keep your money in the account for a full year expressed as a percentage. The difference between an APY and an interest rate is that the APY takes into account how often your money earns interest (or compounds). The more often your money compounds, the more it will earn. Savings accounts with an interest rate that compounds daily, for example, will earn a higher return (and therefore a higher APY) than savings accounts that compound annually.

What fees does First Bank and Trust of Texas Regular Savings charge?

First Bank and Trust of Texas Regular Savings does not charge a monthly service fee. See the fee breakdown section below to view all fees.

However, you can waive the monthly fees if you have a minimum daily balance of $100.

  • Outgoing domestic bank transfers come with a $30 fee.
  • Incoming domestic bank transfers come with a $12 fee.
  • Outgoing international bank transfers come with a $45 fee. You can save a ton of money in fees if you use use a nonbank money transfer service.
  • Incoming international bank transfers come with a $15 fee.
  • First Bank and Trust of Texas Regular Savings charges a $25 fee for an early account closure. Contact First Bank and Trust of Texas Regular Savings for more details on what is considered an early closure.
  • First Bank and Trust of Texas Regular Savings charges $3 every time you request a paper statement.

What features and perks does First Bank and Trust of Texas Regular Savings offer?

This savings account includes the following features:

  • Fraud monitoring - First Bank and Trust of Texas Regular Savings monitors transactions for potentially fraudulent activity, such as when a debit card is unexpectedly used in a different location, or you make a sudden string of costly purchases.
  • Free Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - First Bank and Trust of Texas Regular Savings 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.

Can you set up a direct deposit to First Bank and Trust of Texas Regular Savings?

In most cases, the answer is yes. However, it depends on the direct deposit program your employer uses. Most direct deposit programs allow you to send your paycheck to a savings or checking account. In some cases, you can even split your paycheck between the two.

What is the customer support email for First Bank and Trust of Texas Regular Savings?

The customer support email for First Bank and Trust of Texas Regular Savings is jberg@htlf.com.

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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Availability

  Available in 1 state
Texas
Availabile in all of Texas

Feature Breakdown

APY Minimum Balance $0.01
Minimum Balance to Avoid Monthly Fee Starting at $100
Minimum Opening Deposit Starting at $100
Bank Teller Fee $0
Early Account Closure $25
Monthly Fee $0 - $3
Paper Statement Fee $3
Wire Transfer Fee - Domestic (Incoming) $12
Wire Transfer Fee - Domestic (Outgoing) $30
Wire Transfer Fee - International (Incoming) $15
Wire Transfer Fee - International (Outgoing) $45
Account Features
  • Member FDIC
  • Branch Access
  • Debit Card
  • Free Bill Pay
  • Fraud Monitoring
  • Mobile Banking
  • Interest Bearing Account
  • Mobile Check Deposit
  • Expense Management
APY (Annual Percentage Yield) 0.05%

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