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First National Bank Texas

Popular Accounts at this Bank

1.31%5-year CD5 Year Fixed Rate CD
0.35%1-year CD12 Month Variable Rate CD
0.13%SavingsSavings Account

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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Reviews (7)

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.

Horrible Bank First National Bank Texas

Hate this bank they have a fee for everything and they dont do life happens for a 1 time overdraft fee reimbursement. Calling customer service your either gonna get hung up on when they say they are putting you on hold OR nasty attitude. I was told by them when I got an overdraft fee that I should put overdraft protection on and I said well of you didnt charge for it then I would and for the past year I've had the account I've never overdrawn before!!!!! Hate that there is no arms to deposit checks or cash at. hate that the app SUCKS. Hate you have to go inside a store. Closing my account next week and cant wait! Already opened my chase account you get 3 life happens and FREE overdraft protection and if you overdraft under $5 there is no fee. First national bank texas has FEES for everything

Changing My Banks After "Loss & Prevention Dept" Holds My Pay Checks Hostage For 7 Days

I recently tried to deposit a $2700 check into my account. 1st NB of Denton, TX saids, my check will be put on 2 days hold so that they can verify my check and that they will allow a credit of $200 out of the $2700 paycheck that I'm trying to deposit to hold me off till my check gets "confirmed" they say... Later on that same night, I go to pump gasoline in my car and I tried to use my Debit Card and it wouldn't work... SO THEY LIED FIRSTLY, about me having at least $200 in my account. Next morning I get an automated email saying that "Loss and Prevention Dept" put my check I'm trying to deposit on hold for another 7 days!!! They said it's because they can't get ahold of issuing bank as they "won't answer their phone"... I call bullshit because this is the same thing that they tried to do when I was a walk-in at the store... they tried calling the number... they didn't pick up... and then put my check on hold for 2 days... then 7 days... Basically, a co-worker who received same paycheck from same company said his bank "Capital One" already deposited the money into his account with no questions asked... meanwhile, I'm in a emergent situation needing to buy a new phone and rental car in Atlanta (out-of-state) this weekend but can't because I don't have any available funds into my account. They took away the $200 I was supposed to have available after putting my whole account on hold for another 7 days... so now, I really don't have any money at my disposal. Most of all, their online login system and mobile apps are straight garbage. Every time, I try to login after some fake "fradulent alert" activity which is actually just me trying to remember what my damn password is and after failing multiple times they put my whole account on hold! I can't even check my account balance online or through mobile applications. This is the worst bank I've ever worked with and I'm canceling my account after I get back from my Atlanta trip in a week.

Horrible Customer Service Dishonest Employees

Posted by: Vsouth | Apr 29, 2017

The bank suspended my card with no notice due to breech of security. I was stranded with no money on the weekend. I called. Was put on hold for hours. Was told I could use debit but not credit. Called again. Was hung up on. Card was still declined . Called back and was told it was my fault for not using pin. Tried again. Declined. Called again. Told it was merchants fault. Gave up went hungry Could not get gas. Called again. Was put on hold for supervisor. Waited an hour. Called on different phone . Told by a recording that offices were closed and would have to call back. In the mean time I checked account and I was charged amount by bank after my card was declined. Employees lie. Someone at the bank is stealing my money

First National Bank Texas (FNBT) And First Convenience Bank (FCB






Address: 3396 Stockton Hill Rd, Kingman, AZ 86409
Phone: (928) 681-3252



First National Bank Texas (FNBT) and First Convenience Bank (FCB),

THEY allege to have 300 branches and 400 ATMs across Texas, Arizona and New Mexico.

· First National Bank Texas or First Convenience Bank
Attention: Correspondence
PO Box 937
Killeen, Texas 76540 - 0937

· If you are hearing impaired - 866-390-9768 (TTY)

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 Grade Components

FDIC Certificate #3285
Year Established1901
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.67%
Return on Equity - YTD20.4%
Annual Interest Income$12.4MM
Assets and Liabilities
AssetsQ1 2018vs Q1 2017$1.89B$1.74B
LoansQ1 2018vs Q1 2017$797.1MM$599.9MM
DepositsQ1 2018vs Q1 2017$1.66B$1.53B
Equity CapitalQ1 2018vs Q1 2017$145.6MM$134.8MM
Loan Loss AllowanceQ1 2018vs Q1 2017$11.0MM$8.4MM
Unbacked Noncurrent LoansQ1 2018vs Q1 2017$273.00K$2.5MM
Real Estate OwnedQ1 2018vs Q1 2017$0$0
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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

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 $2,500 | 0.10% $2,500 - $25k | 0.12% $25k - $50k
0.15%*$50k*-Commercial Money Market Account
OTHER TIERS: 0.05% Up to $2,500 | 0.10% $2,500 - $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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