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.

18Th Century Service

Posted by: |

My wife and I were already in the process of leaving this glorified check cashing joint they call a bank when they got rid of 24 hr phone support.... leaving my wife stranded with a disabled debit card. Fast forward to today...I went to this branch and withdrew from the ATM for our casino trip. The branch manager happened to be working the teller line. She refused to exchange for big bills. I was flabbergasted when she told me to go to the Kroger courtesy counter. I can't wait for my new bank's debit cards to arrive so we can be done with this unprofessional institution.

Terrible Bank

This is probably the 4th time I have to call them because they keep blocking my card everytime I want to use it to pay for something. I’m sick of it why even have a bank account. About to go to Chase since they are way more trustworthy when it comes to keeping your money. Never had an issue with them. The only reason why I keep my acct opened is because they do pay on Thursdays but that’s about it. Not worth the pain as well as their customer service takes at least 30 minutes to get a rep on the call. Worst bank I’ve ever used. Do not recommend!!!


Posted by: |

I just filed a complaint against 1st National Bank with the OCC. They have been holding over $2000 of mine over 15 months. The people in the branch act stupid and you can't get through on the phone. I wrote a letter requesting my funds they answered saying I would have pay research fees of $20 an hour. How do they do any business they're the most dishonest bank I've ever dealt with. And they charged exhoberant fees. STAY AWAY!!



Health Grade Components

FDIC Certificate #3285
Year Established1901
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.46%
Return on Equity - YTD16.9%
Annual Interest Income$65.0MM
Assets and Liabilities
AssetsQ3 2021vs Q3 2020$3.79B$2.72B
LoansQ3 2021vs Q3 2020$1.38B$1.34B
DepositsQ3 2021vs Q3 2020$3.34B$2.35B
Equity CapitalQ3 2021vs Q3 2020$332.3MM$264.0MM
Loan Loss AllowanceQ3 2021vs Q3 2020$23.4MM$20.2MM
Unbacked Noncurrent LoansQ3 2021vs Q3 2020$200.00K$191.00K
Real Estate OwnedQ3 2021vs Q3 2020$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

0.08%*$50k*-Savings Account
OTHER TIERS: 0.03% Up to $50k
0.08%*$50k*-Kids Count
OTHER TIERS: 0.03% Any amount

First National Bank Texas Money Market Rates

0.08%*$25k*-Money Market Account
OTHER TIERS: 0.02% Up to $2.5k | 0.05% $2.5k - $25k
0.08%*$25k*-Commercial Money Market Account
OTHER TIERS: 0.02% Up to $2.5k | 0.05% $2.5k - $25k

First National Bank Texas Checking Account Rates

0.15%*$10k*-President Select High Yield Checking
OTHER TIERS: 0.02% Up to $10k
0.02%--Checking with Interest
0.02%--Commercial Checking with Interest

First National Bank Texas CD Rates

0.65%*$50k*-5 Year Fixed Rate CD
OTHER TIERS: 0.55% $500 - $50k
0.40%*$50k*-2 Year Fixed Rate CD
OTHER TIERS: 0.35% $500 - $50k
0.30%*$50k*-1 Year Fixed Rate CD
OTHER TIERS: 0.25% $500 - $50k
0.25%*$50k*-12 Month Variable Rate CD
OTHER TIERS: 0.20% $500 - $50k
0.20%*$50k*-6 Month Fixed Rate CD
OTHER TIERS: 0.15% $500 - $50k
0.20%$5k-9 Month Fixed Rate CD
0.12%*$50k*-3 Month Fixed Rate CD
OTHER TIERS: 0.10% $500 - $50k

First National Bank Texas IRA Rates

0.65%*$50k*-5 Year Fixed Rate IRA
OTHER TIERS: 0.55% $500 - $50k
0.40%*$50k*-2 Year Fixed Rate IRA
OTHER TIERS: 0.35% $500 - $50k
0.30%*$50k*-1 Year Fixed Rate IRA
OTHER TIERS: 0.25% $500 - $50k
0.25%*$50k*-12 Month Variable Rate IRA
OTHER TIERS: 0.20% $500 - $50k


Dallas Area

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