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First National Bank Texas


Overview / Commentary
254-554-6699
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.

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

ONLINE ACCOUNT CREATION IS THE WORST ONE I HAVE EVER EXPERIENCED

Posted by: ShirylH32 | Mar 13, 2019

i WAS TRYING TO DO ONLINE BANKING WITH THEM AND THEY ENDED TAKING MY MONEY OFF MY CARD THEN TELLING ME I HAD TO GO IN AND OPEN UP A ACCOUNT ANYWAY.I WAS TRYING TO AVOID THE LONG LINES(THERE LINE IS ALWAYS SO SLOW AND LONG)THEN THEY TELL ME MY MONEY WILL BE BACK ON MY CARD IN 3-5 BUISNESS DAYS...WHATS THE POINT OF DOING ONLINE BANKING CREATE A ACCOUNT JUST TO TELL PEOPLE THAT THEY WILL HAVE TO COME IN ANYWAY AND ON TOP OF ALL OF THAT THEY MAKE YOU WAIR 24 HOURS BEFORE TELLING YOU THIS SO NOW YOU HAVE TO BACK TRACK....SMH YOU ALL NEED TO DO BETTER AND STOP RUSHING JUST TO COMPETE WITH OTHER BANKS-GET IT TOGETHER.

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Health

Health Grade Components

Overall
FDIC Certificate #3285
Year Established1901
Employees2825
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.81%
Return on Equity - YTD21.84%
Annual Interest Income$15.7MM
Assets and Liabilities
AssetsQ1 2019vs Q1 2018$2.12B$1.89B
LoansQ1 2019vs Q1 2018$945.6MM$797.1MM
DepositsQ1 2019vs Q1 2018$1.84B$1.66B
Equity CapitalQ1 2019vs Q1 2018$174.2MM$145.6MM
Loan Loss AllowanceQ1 2019vs Q1 2018$13.1MM$11.0MM
Unbacked Noncurrent LoansQ1 2019vs Q1 2018$262.00K$273.00K
Real Estate OwnedQ1 2019vs Q1 2018$0$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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
Locations

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