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.


Posted by: Mdhaney | Jan 9, 2019

They never help the customers. My husband and I have had so many problems with this bank. They accidently posted 100 dollars to my account and then took the money out of my account and then posted 2 pending fees after they took the 100$ out that they are at fault for in the first place and overdrafted me 68 dollars. If anybody here is paying medical bills this is not the bank to bank with. They are so awful they lie to you about there policies they will tell you one thing and do something different. THEY ARE TERRIBLE AT FIRST CONVENIENCE BANK!

Bank Is To Small Should Close Down

When you call your on hold for 30 min! People are very rude over the phone and they don’t take care there customer every time I call them it’s a list of what you don’t do !!!! Bank is trash stay away

So Done With This Bank

I have had nothing but problems with them for months. Now I am 200 in the hole because they double charged a card when they shouldn't and fee'ed me 4 times. For their mess up. Switching asap.



Health Grade Components

FDIC Certificate #3285
Year Established1901
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.53%
Return on Equity - YTD18.9%
Annual Interest Income$40.4MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$1.83B$1.67B
LoansQ3 2018vs Q3 2017$913.2MM$686.2MM
DepositsQ3 2018vs Q3 2017$1.59B$1.45B
Equity CapitalQ3 2018vs Q3 2017$147.2MM$149.4MM
Loan Loss AllowanceQ3 2018vs Q3 2017$12.3MM$10.4MM
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$351.00K$282.00K
Real Estate OwnedQ3 2018vs Q3 2017$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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