First National Bank Texas

Overview / Commentary
507 North Gray Street
Killeen, TX 76541

First National Bank Texas (FNBT) was originally founded in 1901 in Killeen, Texas as the First National Bank of Killeen. Today, the bank serves its customers at over 300 locations throughout Texas, New Mexico, and Arizona.

First National Bank Texas offers a variety of personal depository banking products, including checking accounts, savings accounts, money market accounts, and Certificates of Deposit (CDs). The bank provides both interest and non-interest-bearing checking accounts, including accounts specifically for students or active/retired military personnel, as well as interest-bearing checking accounts with a better interest rate for large balances. First National Bank Texas’s savings and money market accounts also offer higher interest rates for higher account balances. As for CDs, the bank offers both fixed rate and variable rate products, with fixed rate terms ranging from three months to five years. The variable rate CDs can be increased through “add-on” payments at any time.

FNBT offers its personal banking customers access to the following features: direct deposit, online banking, electronic statements, funds transfers, customizable alerts, bill pay, and mobile banking.

Business banking products are also offered, including business checking accounts and business money market accounts. The commercial checking accounts vary based upon business size and transaction volume, with a special option for non-profit organizations and an interest-bearing checking account for businesses that can maintain a certain minimum account balance. Commercial money market accounts offer tiered interest rates, depending upon account balance. First National Bank Texas also provides business customers access to online banking, mobile banking, electronic statements, funds transfers, customizable alerts, and bill pay.

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meets my needs

I generally like using 1st convenience bank. The best thing about their hours of operation and the many locations they have. Sometimes I have an sporadic unpredictable schedule and I can usually find a branch open in a store. It was very easy to open an account with them as well. My complaints are about the customer service, I've been told conflicting information by workers there about availability of a wire transfer I was receiving. Also when going into a branch, which are all located inside stores, the wait time can be somewhat, but at the same time there will be employees walking around handing flyers to potential customers. I think they should help there customer first before looking for others. I also don't like the way they hold certain checks, regardless of the fact I've had an account for years. The fees are about the same as other banks, nothing to exorbitant. So over all they meet my basic needs.

First Inconvenience

Posted by: Rwitt61 | Aug 17, 2019

This bank is the worst institution i have ever dealt with. I have had bank accounts for over 45 years and this is the worst one ever. I feel bad for two employees who are good but not accepting checks that the manager ok'd for years from an oil company that were under 50$ or claiming that the cash was dirty and refusing to accept it. The bank is the one who sends damaged cash to be destroyed. Or this one, sign up for no overdrafts. They decide whether or not that 34$ is coming out or not. If its electronic its going to cost you because its electronic, if its a check they charge you to stop payment, 34$ oh and a few days later another 34$ for negative balance.
Then when there is a mistake they will have you spend hours getting the company to admit they wrongly charged your account but then they tell you it was not a bank error. Well no crap, it was a wrongful charge. Say bye to your 68$ and the time you wasted getting all that to them. They may have open hours but its not worth dealing with teen agers and special ed graduates that dont understand that a customer pays the bills.
Dont go to Compass either but stay clear of these idiots and thieves.
I will say they have a couple good employees at the White settlement branch. The 2 men only. 4/2018- 4/ 2019, they may still be there. The main bank practices the theft wholesale also. Only use this as a back up bank. Even their website had to be opened, closed then opened a second time to get it to work.

Licensed To Steal Your Money

Posted by: z05614 | Jun 7, 2019

This bank is the worst ever. I don't understand how they are still in business. They will charge you nsf fees but you cannot see why in your online account. Your online account does not show you everything going on in your account. BEWARE!

1/10 Would Not Recommend

Posted by: Aceops | Apr 3, 2019

Had so many accounts with them and 100 bad experiences for every 101 overall. They allow overdrafts regardless of your opting in or out and they then hit you with that 34 dollar fee they love oh so much. They charged me probably 12 times overall and they’re never legitimate this last time I more than had the money in my second account and the company was also issueing a refund for the amount. Plus!!! It was 12.33 over( 2.33 over their “threshold “) once I get the chance I’m done with them. I would rather deal with a better bank. I do NOT recommend at ALL



Health Grade Components

FDIC Certificate #3285
Year Established1901
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.86%
Return on Equity - YTD21.68%
Annual Interest Income$32.5MM
Assets and Liabilities
AssetsQ2 2019vs Q2 2018$2.07B$1.85B
LoansQ2 2019vs Q2 2018$1.01B$853.7MM
DepositsQ2 2019vs Q2 2018$1.78B$1.61B
Equity CapitalQ2 2019vs Q2 2018$188.4MM$149.7MM
Loan Loss AllowanceQ2 2019vs Q2 2018$13.9MM$11.5MM
Unbacked Noncurrent LoansQ2 2019vs Q2 2018$213.00K$203.00K
Real Estate OwnedQ2 2019vs Q2 2018$0$0
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Always verify rates and promotions with the bank or credit union. We are not First National Bank Texas; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First National Bank Texas Savings Account Rates

0.13%*$50k*-Savings Account
OTHER TIERS: 0.05% Up to $25k | 0.08% $25k - $50k
0.13%*$50k*-Kids Count
OTHER TIERS: 0.05% Up to $25k | 0.08% $25k+

First National Bank Texas Money Market Rates

0.15%*$50k*-Money Market Account
OTHER TIERS: 0.05% Up to $2.5k | 0.10% $2.5k - $25k | 0.12% $25k - $50k
0.15%*$50k*-Commercial Money Market Account
OTHER TIERS: 0.05% Up to $2.5k | 0.10% $2.5k - $25k | 0.12% $25k - $50k

First National Bank Texas Checking Account Rates

0.75%*$10k*-Personal President Select High Yield Checking
OTHER TIERS: 0.05% Up to $10k
0.05%--Checking with Interest
0.05%--Commercial Checking with Interest

First National Bank Texas CD Rates

1.31%*$50k*-5 Year Fixed Rate CD
OTHER TIERS: 1.21% $500 - $50k
0.75%*$50k*-2 Year Fixed Rate CD
OTHER TIERS: 0.70% $500 - $50k
0.45%*$50k*-1 Year Fixed Rate CD
OTHER TIERS: 0.35% $500 - $50k
0.35%*$50k*-12 Month Variable Rate CD
OTHER TIERS: 0.30% $500 - $50k
0.30%*$50k*-6 Month Fixed Rate CD
OTHER TIERS: 0.25% $500 - $50k
0.30%$5k-9 Month Fixed Rate CD
0.20%*$50k*-3 Month Fixed Rate CD
OTHER TIERS: 0.15% $500 - $50k

First National Bank Texas IRA Rates

1.31%*$50k*-5 Year Fixed Rate IRA
OTHER TIERS: 1.21% $500 - $50k
0.75%*$50k*-2 Year Fixed Rate IRA
OTHER TIERS: 0.70% $500 - $50k
0.45%*$50k*-1 Year Fixed Rate IRA
OTHER TIERS: 0.35% $500 - $50k
0.35%*$50k*-12 Month Variable Rate IRA
OTHER TIERS: 0.30% $500 - $50k


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