4.34% Reward Checking Account at First National Bank of Trenton in TX - Local Only

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First National Bank of Trenton is offering a reward checking account with the following rates and features if certain monthly requirements are met:
  • 4.34% APY on balances up to $35,000
  • 1.26% APY on portion of balance over $35,000
  • 0.10% base rate if qualifications are not met
  • ATM fee refunds nationwide up to $30 per cycle
The monthly requirements include:
  • 10 check card point of sale transactions (excluding ATM transactions)
  • 1 ACH per cycle (direct deposit or debit)
  • Access online banking
  • Receive e-Statements (with images)
Additional features of the account regardless of the monthly requirements include:
  • $25 minimum opening deposit
  • No minimum balance requirement
  • No monthly service charge
  • First 50 checks free
A word of caution: requirements must be met even the first month, i.e., no grace period like most typical rewards openings, so, if possible, opening should be selected to occur a day or so after close of the previous cycle, thus giving yourself time to receive and use the check card and setup an ACH transaction.

Although an online application is available, a branch visit is required to open an account. Branches are located in the Texas communities of Trenton, Bonham, Leonard, Melissa and Farmersville.

The bank's ratings for safety and soundness are average: 3 stars (adequate) at BauerFinancial (based on 6/30/09 data) and 4 stars (sound) at Bankrate.com based on 3/31/09 data.

The bank has been a FDIC member since 1934 (FDIC Certificate # 5558).

Other Reward Checking Accounts

Over 80 First National Banks (in many scattered Texas communities) exist, but only two openly offer reward checking - Trenton (above) and Giddings.

To find reward checking accounts in other areas of the nation or to learn more about these accounts, please refer to my High Yield Checking website.
Related Pages: checking account, reward checking account



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