First Bank and Trust of Texas Signature Series Savings Review

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

• Higher than average APY. First Bank and Trust of Texas Signature Series 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 $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.
• ATM fee reimbursements. This account will reimburse you for ATM fees (see terms and conditions for details).
• Bill pay. Pay your bills to practically anyone in the United States through Heartland Financial USA Inc.

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 Signature Series Savings doesn't offer a signup bonus.

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

What APY does Heartland Financial USA Inc offer?

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

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

First Bank and Trust of Texas Signature Series 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 $50,000. You can also waive the fee by keeping a combined balance of $100,000.

• Outgoing domestic bank transfers come with a $25 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 Signature Series Savings charges a $25 fee for an early account closure. Contact First Bank and Trust of Texas Signature Series Savings for more details on what is considered an early closure.
• First Bank and Trust of Texas Signature Series Savings charges $3 every time you request a paper statement.

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

This savings account includes the following features:

• ATM reimbursement - This account provides ATM access and will reimburse you for the ATM fees charged by other networks.
• Fraud monitoring - First Bank and Trust of Texas Signature Series 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 Signature Series 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 Signature Series 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.