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.


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!!


Wish I could give them a ZERO. This bank is the worst, they are stuck in 1982 with how they manage everything, I have been unable to access my account since yesterday because they rolled out a new app, lol. They text gibberish that doesn't even make sense. "Available keywords are: " what? I'm so done, taking my savings elsewhere.

Worst Bank Ever

This is the Worst bank ever.. I was charged a overdraft fee of $102 dollars which is ridiculous.... I never overdrew my account a merchant charged my account without me knowing online I'm definitely going to find me another bank they are horrible customer service is horrible as well.. when it comes to using cash app or PayPal good luck because if a person doesn't send you money before 5 pm you won't get it until the next day



Health Grade Components

FDIC Certificate #3285
Year Established1901
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.38%
Return on Equity - YTD15.83%
Annual Interest Income$36.4MM
Assets and Liabilities
AssetsQ2 2020vs Q2 2019$2.69B$2.07B
LoansQ2 2020vs Q2 2019$1.26B$1.01B
DepositsQ2 2020vs Q2 2019$2.36B$1.78B
Equity CapitalQ2 2020vs Q2 2019$227.9MM$188.4MM
Loan Loss AllowanceQ2 2020vs Q2 2019$19.5MM$13.9MM
Unbacked Noncurrent LoansQ2 2020vs Q2 2019$163.00K$213.00K
Real Estate OwnedQ2 2020vs Q2 2019$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

0.10%*$50k*-Savings Account
OTHER TIERS: 0.05% Up to $50k
0.10%*$50k*-Kids Count
OTHER TIERS: 0.05% Any amount

First National Bank Texas Money Market Rates

0.10%*$25k*-Money Market Account
OTHER TIERS: 0.05% Up to $2.5k | 0.08% $2.5k - $25k
0.10%*$25k*-Commercial Money Market Account
OTHER TIERS: 0.05% Up to $2.5k | 0.08% $2.5k - $25k

First National Bank Texas Checking Account Rates

0.20%*$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

1.00%*$50k*-5 Year Fixed Rate CD
OTHER TIERS: 0.90% $500 - $50k
0.50%*$50k*-2 Year Fixed Rate CD
OTHER TIERS: 0.45% $500 - $50k
0.35%*$50k*-1 Year Fixed Rate CD
OTHER TIERS: 0.25% $500 - $50k
0.30%*$50k*-12 Month Variable Rate CD
OTHER TIERS: 0.22% $500 - $50k
0.25%*$50k*-6 Month Fixed Rate CD
OTHER TIERS: 0.20% $500 - $50k
0.25%$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

1.00%*$50k*-5 Year Fixed Rate IRA
OTHER TIERS: 0.90% $500 - $50k
0.50%*$50k*-2 Year Fixed Rate IRA
OTHER TIERS: 0.45% $500 - $50k
0.35%*$50k*-1 Year Fixed Rate IRA
OTHER TIERS: 0.25% $500 - $50k
0.30%*$50k*-12 Month Variable Rate IRA
OTHER TIERS: 0.22% $500 - $50k


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