Featured Savings Rates
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First National Bank Texas

Popular Accounts at this Bank

APYACCOUNT TYPEACCOUNT NAME
1.00%5-year CD5 Year Fixed Rate CD
0.20%1-year CD12 Month Variable Rate CD
0.10%SavingsSavings Account

Overview / Commentary
800-677-9801
507 North Gray Street
Killeen, TX 76541

First National Bank Texas is headquartered in Killeen and is the 36th largest bank in the state of Texas. It is also the 475th largest bank in the nation. It was established in 1901 and as of March of 2016, it had grown to 2,720 employees at 321 locations. First National Bank Texas has an A health rating.

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Reviews (3)

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.

Terrible Customer Service

Posted by: Nu To You | Mar 10, 2015

Nothing but problems with this bank. The biggest attitude I got was from the branch mgr. They don't care about customer at all. I will close my ACCTS asap

Denial Of Access To Funds.

Posted by: JGC013 | Nov 30, 2012

On Monday November 19th 2012 I deposited a check into my account at First Convenience Bank, a division of First National Bank Texas. I called First Convenience Bank and spoke with a customer service supervisor by the name of Else who told me that the funds where placed are hold by the loss prevention department for reasons she was not allowed to share with me, the account holder.  I was also told to call Else back before 4pm on that day(Nov. 23rd 2012) to check for any new information. I called First Convenience Bank at 340pm on that same day, Friday (Nov. 23rd 2012). I was told Else was unavailable and was transferred to another customer service supervisor who's name I do not have recorded. I was told that the issue with the check was due to the loss prevention department not being able to contact the issuing company for verification. I asked why the loss prevention office could make a telephone call to company and ask them for whatever information was needed for the verification of the account and was told that she (the customer service supervisor) was unable to answer that question as the everyone was gone for the weekend.

 

I called First Convenience Bank at 830am on Monday (Nov. 26 2012) and spoke with a customer service supervisor by the name of Misty. I ask Misty to contact the loss prevention department and to ask that they contact the company who check for verification of the account, after be placed on hold Misty returned and then stated that they had spoke with "someone" at the issuing company and was told that person could not verify the account on which the check was drawn and that First Convenience Bank would continue to refuse access to these funds. I contacted the manager of the Accounts Payable department at the company who issued the check and was told that no one from First Convenience Bank had contacted his department. The Accounts Payable manager also verified that the funds for the check where release from the companies account on Friday (Nov. 23rd 2012). It has now been ten business days I have still have no access to these funds and no attempt has been made to contact me by First Convenience Bank. I now must hire a lawyer to get back the money this bank has taken from me, the “valued customer”. 



Health
A

Health Grade Components

Overall
FDIC Certificate #3285
Year Established1901
Employees2720
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.91%
Return on Equity - YTD10.87%
Annual Interest Income$8.9MM
Assets and Liabilities
AssetsQ1 2016vs Q1 2015$1.61B$1.41B
LoansQ1 2016vs Q1 2015$512.0MM$402.9MM
DepositsQ1 2016vs Q1 2015$1.42B$1.24B
Equity CapitalQ1 2016vs Q1 2015$131.4MM$112.6MM
Loan Loss AllowanceQ1 2016vs Q1 2015$7.8MM$8.2MM
Unbacked Noncurrent LoansQ1 2016vs Q1 2015$2.6MM$3.2MM
Real Estate OwnedQ1 2016vs Q1 2015$0$135.00K
Rates
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* 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%*$50k*-Savings Account
OTHER TIERS: 0.05% Up to $50k
0.10%*$50k*-Kids Count
OTHER TIERS: 0.05% Up to $50k

First National Bank Texas Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.12%*$50k*-Money Market Account
OTHER TIERS: 0.05% Up to $2,500 | 0.08% $2,500 - $25k | 0.10% $25k - $50k
0.12%*$50k*-Commercial Money Market Account
OTHER TIERS: 0.05% Up to $2,500 | 0.08% $2,500 - $25k | 0.10% $25k - $50k

First National Bank Texas Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.22%*$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

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%*$50k*-5 Year Fixed Rate CD
OTHER TIERS: 0.90% $500 - $50k
0.45%*$50k*-2 Year Fixed Rate CD
OTHER TIERS: 0.40% $500 - $50k
0.25%*$50k*-1 Year Fixed Rate CD
OTHER TIERS: 0.20% $500 - $50k
0.20%*$50k*-12 Month Variable Rate CD
OTHER TIERS: 0.15% $500 - $50k
0.15%*$50k*-6 Month Fixed Rate CD
OTHER TIERS: 0.12% $500 - $50k
0.12%$5k-9 Month Fixed Rate CD
0.10%*$50k*-3 Month Fixed Rate CD
OTHER TIERS: 0.05% $500 - $50k

First National Bank Texas IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%*$50k*-5 Year Fixed Rate IRA
OTHER TIERS: 0.90% $500 - $50k
0.45%*$50k*-2 Year Fixed Rate IRA
OTHER TIERS: 0.40% $500 - $50k
0.25%*$50k*-1 Year Fixed Rate IRA
OTHER TIERS: 0.20% $500 - $50k
0.20%*$50k*-12 Month Variable Rate IRA
OTHER TIERS: 0.15% $500 - $50k
Locations

First National Bank Texas has 306 locations. Click to view all First National Bank Texas locations.