Last Updated: 04/18/2025
First Bank and Trust of Texas Signature Series Savings
Unaffiliated
Last Updated: 04/18/2025
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Highlights
APY (Annual Percentage Yield)
0% - .05%(Verified 06/21/2024)
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Minimum Opening Deposit
Starting at $1,000
Minimum Balance to Earn APY
$50,000
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 are available in 1 state.
Key Takeaways
- Low interest rate. The maximum annual percentage yield for this account is only .05%.
- Charges a monthly fee. This account charges a monthly fee of up to $9, but the fee may be waived if you keep a minimum balance of$50,000.
- $1,000 minimum opening deposit. This is a typical minimum initial deposit.
- ATM fee rebates. This account will reimburse you for ATM fees (see terms and conditions for details).
First Bank and Trust of Texas Signature Series Savings Pros & Cons
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First Bank and Trust of Texas Signature Series Savings FAQ
Are savings 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.
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?
The minimum deposit to open a First Bank and Trust of Texas Signature Series Savings is $1,000.| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Balance to Avoid Monthly Service Fee | Starting at $50,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Balance to Earn APY | $50,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | Starting at $1,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Combined Balance to Avoid Monthly Maintenance Fee | Starting at $100,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What APY does First Bank and Trust of Texas Signature Series Savings offer?
First Bank and Trust of Texas Signature Series Savings offers a variable 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?
Yes, you can typically set up a direct deposit to this account. 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 Signature Series Savings?
The customer support email for First Bank and Trust of Texas Signature Series 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.
Hours of Operation
Sunday
Closed
Monday
9:00AM - 4:00PM
Tuesday
9:00AM - 4:00PM
Wednesday
9:00AM - 4:00PM
Thursday
9:00AM - 4:00PM
Friday
9:00AM - 4:00PM
Saturday
Closed