When it comes to personal checking and savings accounts, certificates of deposits or consumer loans, everyone seems to want something different. At First Texas Bank, we'll help you choose from a variety of plans to fit your particular needs and budget. And no matter which deposit plan you choose, your deposits are fully insured up to $100,000 by the FDIC.  if you choose an IRA it is insured up to $250,000 by the FDIC.

Personal Checking and Savings Accounts

Personal Checking

This is a full service checking product that offers affordable convenience.

• $100.00 minimum opening balance
• No monthly service charge if monthly minimum balance of $500.00 is maintained
• Unlimited check writing
• Tiered Monthly Service Charges

  Minimum Daily Balance	Monthly Fee
  $500.00 and Up	-0-
  $400.00 - $499.00	$7.00
  $300.00 - $399.99	$8.00
  $200.00 - $299.99	$9.00
  Under $200.00	$10.00

First Texas Free Checking

Minimum Balance to open Account is $1.00

• No monthly Service Charge
• No monthly ATM card fee
• No minimum balance
• Unlimited check writing privileges
• Unlimited ATM withdrawals

Overdraft Protection (can exercise opt-out option)

• Automatic $101.00 Overdraft Protection
• Increase your Overdraft Protection to $301.00 when you sign up for direct deposit. Account holder must request this increased amount
• Overdraft Protection is not accessible by ATM or Debit Card
• Overdraft Protection amount includes NSF fees
• Overdraft must be covered within 32 days or account will be closed
• We reserve the right to revoke overdraft protection at any time

First Guard is not available on this account

Only one First Texas Free Checking account per person.

Senior Citizens Checking

(Exclusively for persons age 55 and over)
A full service checking product that also offers bank selected checks for free.

• $100.00 minimum opening balance requirement
• No monthly balance requirement
• Bank selected checks at no charge
• A withdrawal fee of $.20 will be charged for each check/debit in excess of 20 during a statement cycle.
• Unlimited ATM withdrawals

Personal Interest Bearing Checking Accounts

Personal NOW Account

Designed for clients who want to earn interest on their account.

• $1,000.00 opening balance requirement
• Interest paid monthly
• No monthly service charge if minimum $1,000.00 balance is maintained.
• A monthly service charge of $12.00 PLUS $.10 per debit will be charged if the balance falls below $1,000.00 any day during the statement cycle.

Personal Savings

Personal Savings Account

Earn a steady rate of return with this traditional Savings Account.

• $100.00 minimum to open
• Interest compounded and paid quarterly
• Low minimum quarterly $100.00 average balance requirement to avoid $5.00 service charge
• Up to three withdrawals per quarter at no charge. All subsequent withdrawals will be subject to a withdrawal fee of $1.50 each.

Personal Money Market Savings Account

Earns an even higher rate of interest while maintaining complete liquidity.

• $2,500.00 minimum to open
• Interest paid monthly
• Tier rates
• No monthly service charge if minimum balance is maintained
• Complete liquidity
• Limited check writing (Only three withdrawals allowed by check, draft, or similar order to third parties.)
• Monthly service charge of $20.00 each statement cycle if the daily balance falls below $2,500.00 any day during the statement period. This account is also subject to an excessive Debit Fee of $5.00 for each third party item in excess of three per statement cycle.

Certificate of Deposit

Competitive rate, fixed term certificates of deposit offer a safe option for customers who do not need Immediate access to their funds.

• Guaranteed rate for the term
• Terms range from 30 days up to 12 months

Individual Retirements Accounts

We offer traditional IRA accounts. These accounts make saving for your retirement simple. IRA's are fully insured up to $250,000 by the FDIC.

• Tax deferred earnings
• Low opening balance requirement
• Competitive rate of interest

We are committed to provide quality service and a full range of credit products to our clients. Talk with one of our banking professionals about a loan for your specific needs today!

Consumer Loans
You may be dreaming of something great. Adding a room to your home, buying a car, sending your child to college. Or, just not having anymore high cost monthly payments. A First Texas Bank loan means working with knowledgeable, friendly loan officers who want to help you make the best decision by offering you multiple financing options.

First Texas Bank offers flexible repayment terms, convenient payment methods, and quick approvals. We have no application fees, no pre-payment penalties and credit life insurance is available.

Secured Loans	Unsecured Loans	Real Estate Loans
Automobiles	Signature Loans	Mortgage
Trucks	Lines of Credit	Home Improvement
Recreational Vehicles		Home Equity
Debt Consolidation
Boats/Jet Skis
Furniture
Computers

Real Estate Loans
Our experienced Lending Professionals and our variety of products and services combine to provide you with the package you need for your next real estate transaction.

• Competitive Rates And Terms.
  At First Texas Bank we know that every project is unique. So we work with you to create a comprehensive loan package that is built to your specifications.
• Fast Evaluations And Approvals.
  Our lending decisions are made locally, which means we can offer quick turnaround on your loan request. We evaluate your package quickly to give you a prompt decision.
• Personal Attention And Service.
  We've built a reputation on service. You have the security of knowing that your banker is familiar with the project and available to discuss it at any time.

  Home Construction Financing

  Home Construction Financing provides a strong foundation, building on experience and quality service. For your custom-built home we offer excellent construction financing. Our experienced team of Lending Professionals are dedicated to providing you with competitive terms and responsive service until your project is completed.

  Land Loans

  If you have found the perfect lot, look to First Texas Bank to assist you with the financing. If you already have financing and are getting ready to build, your construction loan from us can pay off the land loan and get your project started.

  Mortgage Lending

  Whether looking to buy a new home or refinance your present loan, you want a lender who understands the market and can give you highly personalized service. We have in-depth lending experience and a broad selection of loan programs from which to choose.

For more information
Our experienced team of lenders are ready to work for you. Call our office at (254) 939-3701. We want to help you lay the foundation for your next project.

• ATM ( Automated Teller Machine)
• Automatic Account Transfers between First Texas Bank -Belton's accounts
• Direct Deposit
• First Texas Debit Card
• 24 Hour Night Depository
• First Guard - (Our Overdraft Protection Plan)
• Safe Deposit Boxes
• First Access - (Our Automated Telephone Banking Service)
• Traveler's Checks
• U.S. Savings Bonds
• Wire Transfer Services
• F.D.I.C. Insurance Coverage
• Drive Through Banking Facility
• Money Orders
• Cashier's Checks
• Cash Advances on Visa and MasterCards
• Account Research
• Account Balancing Assistance