Personal Accounts


First Cash Card
No paper, no waste!

  • No minimum balance required
  • Debit card only
  • Online banking with E-Statements required
  • No checks will be ordered on this account
  • Terms and conditions must be acknowledged in online banking.
    A monthly paper statement fee of $5.00 will be assessed if you choose not to elect online statements 62 years of age or older will receive a $2.00 paper statement fee in lieu of the $5.00 per statement fee

First Checking
Easy online banking

  • No minimum balance required
  • Online banking with E-Statements required
  • Terms & Conditions must be acknowledged in online banking. A monthly paper statement fee of $5.00 will be assessed if you choose not to elect online statements. 62 years of age or older will receive a $2.00 paper statement fee in lieu of the $5.00 per statement fee

First Reward Checking
3 ways to earn interest

  • Debit Card required
  • You must have all of the following post to your account each statement cycle to receive the highest interest rate up to $25,000:
    • 20 debit card transactions in addition to ATM activity
    • At least 1 automatic debit or direct deposit
    • Make at least 1 online bill pay
    • Access your account online
    • Online banking and E-Statements required
  • Interest paid at lower stated rate if requirements are not met and over $25,000
  • Interest will be compounded and credited to your account monthly. The interest rate may change at any time.
  • Terms & Conditions must be acknowledged in online banking. A monthly paper statement fee of $5.00 will be assessed if you choose not to elect online statements. 62 years of age or older will receive a $2.00 paper statement fee in lieu of the $5.00 paper statement fee.

First Patriot
Benefits plus

  • No minimum balance required
  • Unlimited check writing
  • Personalized bank stock checks at no charge
  • Your account will be assessed a monthly membership fee for insurance coverage, the amount being determined by the plan selected by you:
    $9.00 – $10,000 AD&D & $20,000 CCC
    $10.00 · $20,000 AD&D & $40,000 CCC
    $11.00 – $30,000 AD&D & $60,000 CCC
    AD&D – Accidental Death & Dismemberment
    CCC – Common Carrier Coverage
  • Cashiers Checks at no charge
  • $5.00 annual discount on Safe Deposit Box
  • Refer to www.memberbenefitpackage.com for additional information. Discounts on prescriptions, vision and more.

First Classic Patriot
Exclusive for the active adult 62+

  • Personalized bank stock checks at no charge
  • Your account will be assessed a monthly membership fee for insurance coverage, the amount being determined by the plan selected by you:
    $3.00 · $10,000 AD&D & $20,000 CCC
    $4.00 · $20,000 AD&D & $40,000 CCC
    $5.00 – $30,000 AD&D & $60,000 CCC
    AD&D – Accidental Death & Dismemberment
    CCC – Common Carrier Coverage
  • Cashiers Checks at no charge
  • $5.00 annual discount on Safe Deposit Box
  • Refer to www.memberbenefitpackage.com for additional information. Discounts on prescriptions, vision and more.
  • Terms & Conditions must be acknowledged in online banking. A monthly paper statement fee of $2.00 will be assessed if you choose not to elect online statements.

First Classic Interest
Putting your money to work drawing interest Exclusive for active adults 62+

  • No monthly service charge will be generated for balances of $1,000+. If the balance falls under $1,000 on any day of the statement cycle, a service charge of $6.00 will be imposed.
  • Interest will be compounded and credited to your account monthly. The interest rate may change at any time.
  • Your account will be assessed a monthly membership fee for insurance coverage, the amount being determined by the plan selected by you:
    $3.00 · $10,000 AD&D & $20,000 CCC
    $4.00 · $20,000 AD&D & $40,000 CCC
    $5.00 – $30,000 AD&D & $60,000 CCC
    AD&D – Accidental Death & Dismemberment
    CCC – Common Carrier Coverage
  • Refer to www.memberbenefitpackage.com for additional information.
  • Terms & Conditions must be acknowledged in online banking. A monthly paper statement fee of $2.00 will be assessed if you choose not to elect online statements.
  • See new accounts for rates on interest bearing accounts

First Plus

  • No monthly service charge will be generated for balances of $2,500+. If the balance falls under $2,500 on any day of the statement cycle, a service charge of $10.00 will be imposed.
  • Interest will be compounded and credited to your account monthly. The interest rate may change at any time.
    *Tier Structure
    $2,500-$49,999
    $50,000-$99,999
    $100,000-$149,999
    $150,000-$999,999
    $1,000,000.00+
    * See new accounts for rates
  • Terms & Conditions must be acknowledged in online banking. A monthly paper statement fee of $5.00 will be assessed if you choose not to elect online statements. 62 years of age or older will receive a $2.00 paper statement fee in lieu of the $5.00 paper statement fee.

For current rates and Annual Percentage Yields (APY) please call your local First Bank Texas branch.

First Bank Texas is a member of the Federal Deposit Insurance Corporation (FDIC). Each Depositor is insured up to $250,000 by FDIC. For depositors requiring more coverage, FDIC provides convenient solutions.