PERSONAL BANKING

 

First Texas Bank offers a variety of consumer products to meet your financial needs. Please contact us at any of our eight locations to speak with our knowledgeable, friendly team members for additional details on any of our products or services. We look forward to meeting you!


PERSONAL CHECKING

 

Personal Checking Account Benefits

-FREE Digital Banking      -FREE Bill Pay      -FREE Mobile Deposit      -FREE E-statements

-FREE MasterCard debit card (issued instantly!)      -FREE Initial order of checks, age 50 or better

FIRST TEXAS BANK OFFERS

First Texas Bank can meet all your banking needs at our main downtown location.  When you just want to make a deposit or need some money visit our Key Avenue location. Also take advantage of our three ATMs conveniently located throughout Lampasas.

  • Personal and business accounts
  • Automatic transfers
  • Bank by mail
  • Cash advances
  • Cashier’s checks
  • Direct deposit
  • E-Statements
  • External Transfers
  • First Access telephone banking
  • Mobile banking app
  • Mastercard debit card
  • Merchant services
  • Mobile Remote Deposit Capture
  • Notary services
  • Online banking
  • Ready Credit
  • Safe deposit boxes
  • U.S. Savings Bond Redemption
  • Wire transfer services

PERSONAL CHECKING

 

First Texas Free Checking:

Are you looking for great benefits and flexibility with your checking account? Our First Texas Free account is designed for those customers who are looking for just that. First Texas Free Checking requires enrollment in E-statement. Please contact us for additional account terms and conditions that may apply.

  • $100 to open
  • No minimum balance required
  • Unlimited transactions
  • No monthly service charge

First Texas Banking:

A simple way of banking.

  • Minimum to open account: $100.00
  • Minimum balance to maintain to avoid monthly fees: $300.00
  • If balance drops below $300 during the statement cycle, the monthly fee will be $10.00
  • This account allows unlimited deposits and withdrawals
  • Free Online Banking

First Texas Checking:

Is receiving a mailed paper statement important to you? First Texas Checking is designed for individuals who are looking for flexibility with their account by having online accessibility and still receiving a monthly mailed statement. Please contact us for additional account terms and conditions that may apply.

  • $100 to open
  • No minimum balance required
  • Unlimited transactions
  • Monthly statement fees may apply

First Texas E-Banking:

A simple way of banking with unlimited transactions. Must be enrolled in E-Statements to qualify.

  • Minimum to open account: $100.00
  • This account allows unlimited deposits and withdrawals
  • Free Online Banking
  • Free E-Statements

First Texas Interest Checking:

If you are looking for a checking account that earns interest and doesn’t limit transaction activity, our First Texas Interest Checking is the account for you. This account has the flexibility of enrolling in E-statements or receiving a monthly mailed statement. Please contact us for current rates and additional account terms and conditions.

  • $100 to open
  • $1,500 average daily balance required
  • Unlimited transactions
  • Monthly service charge will apply only if balance requirement is not met

First Texas NOW:

If you maintain a daily minimum balance greater than $5,000 and want to earn interest, then this may be the account you may want.

  • Interest bearing
  • Minimum to open account $2,500.00
  • If the balance drops below $5,000 any day during the statement cycle, the monthly service charge is $10.00 plus .10 per debit transaction.
  • Free Online Banking
  • Free E-Statements

MONEY MARKET SAVINGS

 


PERSONAL SAVINGS

 

Personal Savings Benefits

-FREE Digital Banking      -FREE Bill Pay      -FREE Mobile Deposit      -FREE E-statements

First Texas Money Market:

The First Texas Money Market account has a tiered interest rate determined by the average daily balance maintained. Transaction limitations are applied to this account. Please contact us for current rates and additional account terms and conditions.

  • $,2500 to open
  • $2,500 average daily balance required
  • Monthly service charge will apply if balance requirement is not met
  • Excessive transaction fees may apply

First Texas Money Market Savings:

This account has tiered interest rates based on the balance maintained. Transaction limitations apply to this account.

  • Interest bearing
  • Minimum to open account: $2,500.00
  • If the balance drops below $5,000.00 any day during the statement cycle, the monthly service charge is $10.00.
  • An excessive debit fee of $10.00 will be charged for each debit in excess of six per statement cycle.
  • Transaction limitations: Transfers from the money market account to another account or to third parties by preauthorized, automatic, telephone or computer transfers are limited to six per month.
  • Free Online Banking
  • Free E-Statements

Personal Savings Account:

Are you looking for a great way to start saving for the future? Our personal savings account has a low minimum balance requirement designed to help you get started. Transaction and balance limitations are applied to this account. Please contact us for current rates and additional account terms and conditions.

  • $100 to open
  • $300 average daily balance required
  • Monthly service charge will apply if balance requirement is not met
  • Excessive transaction fees may apply

First Texas Savings Account:

Select a traditional savings account for a great way to save money.

  • Interest bearing
  • Minimum to open account: $100.00
  • $8.00 service charger per quarter if the balance falls below $300 for any during the quarter
  • An excessive debit fee of $2.00 will be charged for each debit in excess of six per quarter. Transaction limitations: Transfers from the savings to another account or to third parties by preauthorized, automatic, telephone or computer transfers are limited to six per month.
  • Free E-Statements

Junior or Teen Savers:

Are you looking for a great way to teach the youth in your life the importance of saving. Our Junior and Teen Savings Accounts are designed for young people between the ages of 0 and 19 years of age. Please contact us for current rates and additional account terms and conditions.

  • $1 to open
  • No minimum balance required
  • Transaction limitations apply

First Texas Stars Savings:

This savings account is designed for children under the age of 12.

  • Must be under 12 years of age
  • Interest bearing
  • Minimum to open account: $25.00
  • No monthly service charge
  • An excessive debit fee of $2.00 will be charged for each debit in excess of six per quarter. Transaction limitations: Transfers from the savings to another account or to third parties by preauthorized, automatic, telephone or computer transfers are limited to six per month.
  • Free E-Statements

VARIOUS SERVICES

 

Certificate of Deposit:

First Texas Bank offers a variety of terms, up to 12 months. All CDs are setup for automatic renewal for your convenience. Please contact us for current rates and additional account terms and conditions.

  • $1,000 to open (jumbo rates apply for CDs with balances $100,000 or greater)
  • Penalty may apply for early withdrawal

Individual Retirement Account Certificates of Deposit:

First Texas Bank customers have the opportunity to deposit their IRA funds in Certificates of Deposit, in terms of 12, 18, or 24 months. A variable rate IRA option is available, which allows the IRA owner to make contributions without having to negotiate terms. Please contact us for current rates and additional account terms and conditions.

Safe Deposit Boxes:

Need a place to keep your valuables, important documents, or digital storage backups? We have a variety of sizes of safe deposit boxes at the following locations. Please contact us for box sizes, availability, and applicable terms and conditions.

  • 900 S. Austin Ave, Georgetown, TX
  • 5321 Williams Dr, Georgetown, TX
  • 480 Del Webb Blvd, Georgetown, TX
  • 500 Round Rock Ave, Round Rock, TX

PERSONAL BANKING

Managing your money should not be hard.  First Texas Bank offers a wide range of account options that come with services that make keeping up with your money easy.  All accounts have:

  • Internet and Mobile Banking
  • eStatements (Or a $5.00 paper statement fee may apply)
  • Mobile Remote Deposit Capture
  • Several funds transfer options

Choose which accounts are best for you!


PERSONAL CHECKING

 

First Texas Special:

  • Minimum amount to open is $100.00
  • First Texas Bank Debit Card – issued instantly (*For Belton, WS Young, and Copperas Cove locations only)
  • Customers 62+ gets their first order of basic checks free

First Texas Certificate of Deposit:

Our highest yielding investment instruments

  • Minimum to open account: $500.00
  • Competitive, guaranteed rates for the term
  • Fixed terms up to one year
  • Special “Jumbo” rates available
  • Additional information, requirements and restrictions upon request

Now Account

  • Minimum amount to open is $1000.00
  • Monthly Service Charges:
    -Balance of $1,000 & above – no charge and unlimited transactions -Balance below $1,000 – $12.00 & .10 per debit for statement cycle

First Texas Individual Retirement Accounts:

  • Minimum to open account: $500.00
  • Competitive earning rates
  • Additional information, requirements and restrictions upon request

PERSONAL SAVINGS

 

Money Market Savings:

  • Minimum to open $1,000
  • Unlimited Withdrawals in person
  • Six transfers or third party
    withdrawals allowed each
    statement cycle
  • $15.00 service charge per excessive withdrawal
  • During any calendar month or statement cycle, you may not make more than six withdrawals or
    transfers to another account of yours or to a third party by means of preauthorization or
    automatic transfer or telephone order or instruction or by check, draft, debit card or similar
    order to a third party.  Account will be subject to closure or modification if limitations are exceeded

Savings:

  • Minimum amount to open is $100.00
  • Six withdrawals per month
  • $5.00 excessive withdrawal fee in excess of
    six transactions per calendar month
  • $5.00 service charge per quarter if balance
    falls below $100.00
  • During any calendar month or statement cycle, you may not make more than six withdrawals or
    transfers to another account of yours or to a third party by means of preauthorization or
    automatic transfer or telephone order or instruction or by check, draft, debit card or similar
    order to a third party.  Account will be subject to closure or modification if limitations are exceeded

Junior Texan Savings:

  • Minimum to open $1.00
  • For all children under 18 years old
  • Six withdrawals per month
  • $5.00 excessive withdrawal fee in excess of six transactions
    per calendar month
  • (TUTMA) Texas uniform Transfers to Minors Act Applies
  • During any calendar month or statement cycle, you may not make more than six withdrawals or
    transfers to another account of yours or to a third party by means of preauthorization or
    automatic transfer or telephone order or instruction or by check, draft, debit card or similar
    order to a third party.  Account will be subject to closure or modification if limitations are exceeded

VARIOUS SERVICES

 

CDs:

  • Maturities ranging from 91 days to 12 months
  • Minimum investment of $500.00
  • Deposit minimum of $50.00 for current Certificate of Deposit
  • Interest may be compounded or automatically deposited to another First Texas Bank checking or savings account.

***First Texas Bank CDs are a safe and secure way to earn a higher rate of return on your investment.  Highly competitive rates make First Texas Bank CDs a wise investment choice.

IRA:

  • Roth and Traditional accounts available
  • Minimum $500 to open
  • Competitive earnings rates

Consumer Loans:

  • Automobile
  • Personal
  • Home Improvement Loans
  • Home Equity Loans
  • Small Dollar Loan Program

Call us today for more information!