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  First Bank and Trust of Texas Regular Savings
First Bank and Trust of Texas Regular Savings Unaffiliated

First Bank and Trust of Texas Regular Savings

Unaffiliated
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Highlights
Monthly Fee $0 - $3
APY (Annual Percentage Yield) 0.05%
Minimum Balance to Earn APY $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, 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.
First Bank and Trust of Texas Regular Savings 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.
First Bank and Trust of Texas Regular Savings FAQ

Are savings accounts from Heartland Financial USA Inc federally insured?

No, your Heartland Financial USA Inc savings 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.

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
Minimum Balance to Avoid Monthly Fee Starting at $100
Minimum Balance to Earn APY $0.01
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:

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

Minimum Balance to Avoid Monthly Fee Starting at $100
Minimum Balance to Earn APY $0.01
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
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
  • Expense Management
APY (Annual Percentage Yield) 0.05%

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Heartland Financial USA Inc Savings Accounts

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