About bank
First National Bank Texas (FNBT) is a financial institution headquartered in Killeen, Texas. Founded in 1901 in Killeen, Texas, just 19 years after the city was established, the bank has grown to over $3.7 billion in assets. It operates in more than 340 locations in Texas, Arizona, Arkansas, and New Mexico. FNBT offers a wide range of banking products and services, including checking and savings accounts, loans, mortgages, credit cards, and more.
FNBT and FCB, a division of FNBT, remain committed to providing customers with exceptional financial products and services.
Despite its growth over the years, it has always focused on providing outstanding banking solutions and world-class service to our customers. From its beginnings as a community bank, it has maintained a tradition of putting our customers' financial success first. Today, over 3,200 banking professionals continue to carry on that legacy.
FNBT offers 7-day banking with extended hours and a range of innovative and customer-friendly services, including various checking and savings accounts, business accounts, CDs, IRAs, credit cards, consumer and business loans, and mortgages.
FNBT and FCB also offer competitive interest rates on savings and checking accounts, as well as low fees and attractive rewards programs. This makes them an attractive option for customers looking for affordable and convenient banking solutions.
In conclusion, First National Bank Texas (FNBT) and First Convenience Bank (FCB) are two financial institutions that offer a wide range of banking products and services to customers in Texas and other states. With their extensive branch network, convenient online and mobile banking solutions, and commitment to customer service, FNBT, and FCB are well-positioned to meet the financial needs of individuals and businesses alike.
Key Features
First National Bank Texas (FNBT) offers a variety of features and benefits to its customers. Some of the key features of FNBT include the following:
- Wide Range of Financial Products. FNBT offers a wide range of financial products and services to its customers, including checking and savings accounts, loans, mortgages, credit cards, and more.
- Competitive Interest Rates. FNBT offers competitive interest rates on savings and checking accounts, making it an attractive option for customers looking to earn more on their deposits.
- Convenient Banking. FNBT has over 340 branches across Texas, making it easy for customers to manage their accounts and perform transactions at a location near them. The bank also offers online and mobile banking services for added convenience.
- 24/7 Customer Support. FNBT provides 24/7 customer support through its call center, allowing customers to get assistance with their banking needs at any time.
- Commitment to Customer Service. FNBT is committed to providing excellent customer service, with a knowledgeable staff available to assist customers with their financial needs.
- Business Banking Solutions. FNBT offers a range of business banking solutions, including business checking accounts, merchant services, and commercial loans, to help businesses manage their finances effectively.
- Community Involvement. FNBT is involved in supporting local communities through various initiatives and partnerships, including providing financial education and supporting local charities and events.
Requirements
The specific requirements for opening an account or obtaining financial products with First National Bank Texas (FNBT) may vary depending on the type of account or product that you are interested in. However, some general requirements that apply to most FNBT accounts and services are:
- Minimum Age. You must be at least 18 years old to open most accounts with FNBT. However, some accounts, such as savings accounts for minors, may have different age requirements.
- Identification. You will need to provide valid identification, such as a driver's license, passport, or state ID when opening an account or obtaining financial products with FNBT.
- Social Security Number. You will need to provide your Social Security number to open an account or apply for credit with FNBT.
- Proof of Address. You may be required to provide proof of your address, such as a utility bill or lease agreement, to open an account or apply for credit with FNBT.
- Minimum Deposit. Some accounts may require a minimum deposit to open. The amount of the deposit may vary depending on the type of account. Typically, it’s about $50.
- Credit Check. FNBT may perform a credit check when you apply for credit or certain financial products, such as a mortgage or personal loan.
It's always best to check with FNBT directly to confirm the specific requirements for the account or product that you are interested in.
Access on the Go
First National Bank Texas (FNBT) offers several convenient ways for customers to access their accounts and manage their finances on the go:
- Mobile Banking. FNBT's mobile app allows customers to check account balances, view transaction history, transfer funds, pay bills, and deposit checks from their mobile devices. The app is available for free on both iOS and Android devices.
- Online Banking. Customers can access their accounts and manage their finances through FNBT's online banking portal. This service allows customers to view account balances, transfer funds, pay bills, and view transaction history from any device with an internet connection.
- Text Banking. Customers can use text banking to check account balances, view transaction history, and receive alerts about account activity. This service is available for free to all FNBT customers.
- ATMs. FNBT has over 340 ATMs located throughout Texas, Arizona, Arkansas, and New Mexico. Customers can use these ATMs to withdraw cash, transfer funds, and check account balances.
- Telephone Banking. Customers can access their accounts and perform certain transactions by calling FNBT's telephone banking service. This service is available 24/7 and can be used to check account balances, transfer funds, and make loan payments.
With these convenient options, customers can access their accounts and manage their finances from anywhere, at any time.
FNBT products
First National Bank Texas (FNBT) offers a variety of financial products to meet the needs of its customers. Some of the products offered by FNBT include:
- Checking Accounts. FNBT offers a variety of checking accounts, including basic checking, interest-bearing checking, and free checking for seniors. Many of these accounts come with features such as online banking, mobile banking, and debit cards.
- Savings Accounts. FNBT offers several savings account options, including regular savings accounts, money market accounts, and individual retirement accounts (IRAs). These accounts come with competitive interest rates and a range of features to help customers save and manage their money.
- Loans. FNBT offers a variety of loan products, including personal loans, home equity loans, auto loans, and business loans. These loans come with competitive rates and flexible terms to help customers achieve their financial goals.
- Mortgages. FNBT offers several mortgage options, including fixed-rate mortgages, adjustable-rate mortgages, FHA loans, VA loans, and USDA loans. Customers can choose from a range of terms and rates to find the right mortgage for their needs.
- Credit Cards. FNBT offers a range of credit card options, including rewards cards, secured cards, and cards with low-interest rates. These cards come with features such as fraud protection, online account management, and cash-back rewards.
- Business Banking. FNBT offers a variety of banking services for businesses, including business checking accounts, merchant services, and commercial loans. These products are designed to help businesses manage their finances effectively and grow their operations.
Overall, FNBT offers a range of financial products to help customers manage their money and achieve their financial goals. With its convenient banking options and commitment to customer service, FNBT is a great choice for anyone looking for a trusted financial partner.
Which associations does FNBT belong to?
First National Bank Texas (FNBT) is a member of several important financial institutions and regulatory bodies, including:
- Federal Deposit Insurance Corporation (FDIC). FNBT is a member of the FDIC, which is an independent agency of the federal government that provides deposit insurance to protect depositors in the event of a bank failure.
- Federal Reserve System (FRS). FNBT is also a member of the Federal Reserve System, which is the central banking system of the United States. The FRS is responsible for implementing monetary policy, supervising and regulating banks, and maintaining financial stability.
- Texas Bankers Association (TBA). FNBT is a member of the Texas Bankers Association, which is a statewide organization representing the interests of Texas banks and their customers.
As a member of these important financial institutions and regulatory bodies, FNBT is committed to maintaining the highest financial stability, safety, and customer service standards.
Bank Reliability
First National Bank Texas (FNBT) has a long history of serving its customers with financial products and services. The bank is FDIC insured, which means that deposits are insured up to the maximum allowable amount, providing an added layer of security for customers. Additionally, FNBT is a member of the Federal Reserve System, which subjects it to strict regulatory oversight and scrutiny. This ensures that FNBT operates within the guidelines of sound banking practices and maintains financial stability.
FNBT has been recognized for its commitment to customer service and has received several awards for excellence in banking. FNBT received a Silver Eagle award for its community service entry and the "Best of Show" award. FNBT has also received recognition for its community involvement, including the Excellence in Financial Education award from the Texas Bankers Association.
Overall, FNBT has a strong reputation for reliability and customer service. The bank's commitment to maintaining high standards of financial stability, safety, and customer satisfaction make it a trusted financial partner for individuals and businesses alike.
FNBT vs. First Convenience Bank
First National Bank Texas (FNBT) is the parent company of First Convenience Bank (FCB), which operates as a division of FNBT. FCB is a retail bank with over 400 branches located inside Walmart stores across Texas, Arizona, New Mexico, and Oklahoma. The bank's primary focus is on providing convenient banking solutions to customers, including free checking accounts, online banking, mobile banking, and 24/7 customer support.
While FNBT and FCB operate under the same parent company, they offer different types of banking products and services. FNBT is a full-service bank that offers a wide range of financial products and services, including checking and savings accounts, loans, mortgages, credit cards, and more. FNBT has over 300 branches across Texas, making it easy for customers to manage their accounts and perform transactions at a location near them.
On the other hand, FCB operates as a retail bank focusing on providing convenient banking solutions to customers. FCB's branch locations inside Walmart stores make it easy for customers to perform transactions while shopping and the bank's online and mobile banking platforms allow for even greater convenience.
FNBT and FCB are committed to providing high-quality banking solutions and excellent customer service. While they operate under the same parent company, they offer different types of banking products and services to meet the needs of their customers.
FNBT vs. First National Bank
First National Bank Texas (FNBT) is separate from First National Bank (FNB). While the names of the two banks are similar, they are different banks with distinct characteristics. Here are some key differences between the two:
- Location. FNBT operates primarily in Texas, with over 300 branches across the state. FNB, on the other hand, is based in Pennsylvania and operates in several states across the East Coast and Midwest.
- Size. FNB is a larger bank than FNBT, with over $44 billion in assets compared to FNBT's $3.7 billion.
- Products and Services. While both banks offer similar financial products and services, such as checking and savings accounts, loans, and credit cards, the specific offerings and terms may differ between the two banks.
- Customer Base. The customer base for FNBT is primarily located in Texas, while FNB serves customers across several states.
- Community Involvement. While both banks are involved in supporting their communities, their approaches may differ. FNBT is involved in supporting local communities through various initiatives and partnerships, including providing financial education and supporting local charities and events. FNB also supports local communities through various philanthropic initiatives, such as its annual United Way campaign.
In summary, while both FNBT and FNB offer similar financial products and services, they are distinct banks with different locations, sizes, and ownership structures. Customers should carefully consider the offerings and terms of each bank before deciding which one best meets their financial needs.
FNBT vs. Wells Fargo
First National Bank Texas (FNBT) and Wells Fargo are two different banks with distinct characteristics. Here are some key differences between the two:
- Size. Wells Fargo is a much larger bank than FNBT, with over $1.9 trillion in assets compared to FNBT's $3.7 billion.
- Location. Wells Fargo operates in several states across the country, while FNBT primarily serves customers in Texas, Arizona, Arkansas, and New Mexico.
- Ownership. Wells Fargo is a publicly traded company, while FNBT is privately owned.
- Products and Services. While both banks offer similar financial products and services, such as checking and savings accounts, loans, and credit cards, the specific offerings and terms may differ between the two banks.
- Customer Base. Wells Fargo serves a wide range of customers, from individuals to large corporations, while FNBT primarily serves individuals and small businesses.
- Controversies. Wells Fargo has recently been involved in several high-profile controversies, including a scandal involving fraudulent accounts and the bank's involvement in financing the Dakota Access Pipeline. FNBT, on the other hand, has not been involved in similar controversies.
- Fees. Wells Fargo has faced criticism for its fees, including overdraft and account maintenance fees. FNBT, on the other hand, offers free checking accounts and has a reputation for being customer-friendly in terms of fees.
In summary, while both banks offer similar financial products and services, they are distinct banks with different sizes, locations, ownership structures, and reputations. Customers should carefully consider the offerings and terms of each bank before deciding which one best meets their financial needs.
FNBT vs. Chase
First National Bank Texas (FNBT) and Chase are two different banks with distinct characteristics. Here are some key differences between the two:
- Size. Chase is a much larger bank than FNBT, with over $3.7 trillion in assets compared to FNBT's $3.7 billion.
- Location. Chase operates in several states across the country, while FNBT primarily serves customers in Texas, Arizona, Arkansas, and New Mexico.
- Ownership. Chase is a publicly traded company, while FNBT is privately owned.
- Products and Services. While both banks offer similar financial products and services, such as checking and savings accounts, loans, and credit cards, the specific offerings and terms may differ between the two banks.
- Customer Base. Chase serves a wide range of customers, from individuals to large corporations, while FNBT primarily serves individuals and small businesses.
- Branch Network. Chase has a much larger branch network than FNBT, with over 4,700 branches compared to FNBT's 300 branches.
- Technology. Chase has invested heavily in technology and offers a range of digital banking services, including mobile banking, online banking, and voice banking. While FNBT also offers these services, its technology may not be as advanced as Chase's.
In summary, while both banks offer similar financial products and services, they are distinct banks with different sizes, locations, ownership structures, branch networks, and technological capabilities. Customers should carefully consider the offerings and terms of each bank before deciding which one best meets their financial needs.
