Personal Accounts

First Bank & Trust East Texas offers a variety of personal checking and savings accounts in order to best serve our customers. Our concern is ensuring your accounts fit your needs.

Choose from accounts with no monthly service fee and free email statements to accounts that are interest bearing.

Plus, every account comes with these free services: online banking, mobile banking app for your favorite device, online bill pay, text alerts, mobile deposit, a MasterCard Debit card and more.

What do I need to open an account?

Below is information about each of the checking accounts. However, if you need assistance, please call customer service at 888-608-7787.

 

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  • Simple E Checking
    • Minimum Deposit to Open: $100
    • Maintenance Fee: No Fee1
    • Unlimited Check Writing2
    • MasterCard Debit Card Available
    • Online Banking
    • Mobile Banking3
    • Phone Banking
    • Text Banking3
    • Bill Pay
    • Xpress Deposit4
    • Overdraft Protection Available5


    1E-Statements required for statement delivery.
    2Check images available through online banking only.
    3Message and data rates may apply.
    4Enrollment and approval required.
    5To qualify account must be open for 60 days without any overdrafts and at least $500 in deposits.
    A Dormancy Fee of $5.00 may apply to this account if there has been no activity for 90 days with a balance of less than $100.

  • Basic Checking
    • Minimum Deposit to Open: $100
    • Maintenance Fee:1
      $800+ No Fee
      $500-799 $5.00
      $300-499 $7.00
      $25-299 $9.00
      Less than $25 $11.00
    • Unlimited Check Writing2
    • MasterCard Debit Card Available
    • E-Statements Available
    • Online Banking
    • Mobile Banking3
    • Phone Banking
    • Text Banking3
    • Bill Pay
    • Xpress Deposit4
    • Overdraft Protection Available5


    1If you have an average monthly balance of $2,000 or have 15 or more debit card transactions there will be No Maintenance Fee.
    2Check images returned with statements and available through online banking.
    3Message and data rates may apply.
    4Enrollment and approval required.
    5To qualify account must be open for 60 days without any overdrafts and at least $500 in deposits.
    A Dormancy Fee of $5.00 may apply to this account if there has been no activity for 90 days with a balance of less than $100.

  • Interest Checking
    • Minimum Deposit to Open: $500
    • Maintenance Fee:
      $1,000+ No Fee
      Less than $1,000 $8.00
    • Interest Paid on Daily Balances Over $1,000
    • Tiered Interest with Higher Interest Rates on Balances Over $2,500.
    • Unlimited Check Writing1
    • MasterCard Debit Card Available
    • E-Statements Available
    • Online Banking
    • Mobile Banking2
    • Phone Banking
    • Text Banking2
    • Bill Pay
    • Xpress Deposit3
    • Overdraft Protection Available4


    1Check images returned with statements and available through online banking.
    2Message and data rates may apply.
    3Enrollment and approval required.
    4To qualify account must be open for 60 days without any overdrafts and at least $500 in deposits.
    A Dormancy Fee of $5.00 may apply to this account if there has been no activity for 90 days with a balance of less than $100.

  • Senior Checking (for 55 and over)
    • Minimum Deposit to Open: $100
    • Maintenance Fee: No Fee
    • Interest Paid on Balances Over $1,000
    • Unlimited Check Writing1
    • MasterCard Debit Card Available
    • E-Statements Available
    • Online Banking
    • Mobile Banking2
    • Phone Banking
    • Text Banking2
    • Bill Pay
    • Xpress Deposit3
    • Overdraft Protection Available4


    1Check images returned with statements and available through online banking.
    2Message and data rates may apply.
    3Enrollment and approval required.
    4To qualify account must be open for 60 days without any overdrafts and at least $500 in deposits.

    A Dormancy Fee of $5.00 may apply to this account if there has been no activity for 90 days with a balance of less than $100.

  • Money Market Checking
    • Minimum Deposit to Open: $1,000
    • Maintenance Fee:
      $1,000+ No Fee
      Less than $1,000 $10.00
    • Interest Paid on Balances Over $1,000
    • Tiered Interest with Higher Interest Rates on Balances Over $10,000
    • MasterCard Debit Card Available
    • Withdrawals Limited1,2
    • E-Statements Available
    • Online Banking
    • Mobile Banking3
    • Phone Banking
    • Text Banking3
    • Bill Pay
    • Xpress Deposit4
    • Overdraft Protection Available5


    1Check images returned with statements and available through online banking.
    2$5 per withdrawal in excess of 6 per statement cycle.
    3Message and data rates may apply.
    4Enrollment and approval required.
    5To qualify account must be open for 60 days without any overdrafts and at least $500 in deposits.

    This account is a limited transaction account and subject to closure if the transaction limitation is exceeded.

  • Savings Accounts
    • Minimum Deposit to Open: $100
    • Maintenance Fee:
      $200+ No Fee
      Less than $200 $6.00
    • Interest Paid on Balances Over $200
    • Tiered Interest with Higher Interest Rates on Balances Over $10,000.
    • Withdrawals Limited1
    • E-Statements Available
    • Online Banking
    • Mobile Banking2
    • Phone Banking
    • Text Banking2
    • Xpress Deposit3


    1$2 per withdrawal in excess of 9 per quarterly statement cycle.
    2Message and data rates may apply.
    3Enrollment and approval required.

  • Student Savings Accounts (for students under 19)
    • Minimum Deposit to Open: $25
    • Maintenance Fee: No Fee
    • Interest Paid on Balances
    • Withdrawals Limited1
    • E-Statements Available
    • Online Banking
    • Mobile Banking2
    • Phone Banking
    • Text Banking2
    • Xpress Deposit3


    1$2 per withdrawal in excess of 9 per quarterly statement cycle.
    2Message and data rates may apply.
    3Enrollment and approval required.

  • TUTMA – Texas Uniform Transfer to Minor Account

    Texas Uniform Transfer to Minor Account (TUTMA) is an account established for a minor by a custodial or parent. The minor does not have access to the funds. Funds must be used for the benefit of the minor.

    • Available Accounts: Checking, Savings, and Certificates of Deposit
    • Maintenance Fee: Based on type of account opened.
    • E-Statements Available
    • Online Banking
    • Mobile Banking1
    • Phone Banking
    • Text Banking1
    • Xpress Deposit2


    1Message and data rates may apply.
    2Enrollment and approval required.

  • CD - Certificate of Deposit
    • Minimum Deposit to Open: $1,000
    • Maintenance Fee: No Fee
    • Interest Paid on Balances
    • Terms: 30 days to 5 years2
    • Online Banking
    • Mobile Banking1
    • Phone Banking
    • Text Banking1


    1Message and data rates may apply.
    2Certificates of Deposit are an investment with a fixed rate for a specific period of time.  Certificates are automatically renewed for the same term with the current rate. A penalty may be imposed for withdrawal prior to maturity.

  • IRA – Individual Retirement Account
    • Minimum Deposit to Open: $250
    • Maintenance Fee: No Fee
    • Interest Paid on Balances
    • Terms: 1 to 5 years fixed or 18-month variable rate
    • Online Banking
    • Mobile Banking1
    • Phone Banking
    • Text Banking1


    1Message and data rates may apply.

    Individual Retirement Accounts (IRA) are Certificate of Deposit Accounts designed as a retirement plan for individuals. Tax penalties may apply to early withdrawals. IRAs are automatically renewed for the same term with the current rate. Tax benefits may apply. A penalty may be imposed for withdrawal prior to maturity.

  • HSA – Health Savings Account
    • Minimum Deposit to Open: $200
    • Maintenance Fee:
      $1,000+ No Fee
      Less than $1,000 $8.00
    • Interest Paid on Balances Over $1,000
    • Tiered Interest with Higher Interest Rates on Balances Over $2,500.
    • MasterCard Debit Card Available
    • Unlimited Check Writing1
    • E-Statements Available
    • Online Banking
    • Mobile Banking2
    • Phone Banking
    • Text Banking2
    • Bill Pay
    • Xpress Deposit3


    1Check images returned with statements and available through online banking.
    2Message and data rates may apply.
    3Enrollment and approval required.

    Health Savings Accounts (HSA) are Health Savings tax advantage medical expense accounts for those who are eligible.

  • HSA Simple Health Savings Account
    • Minimum Deposit to Open: $100
    • Maintenance Fee: No Fee
    • MasterCard Debit Card Available
    • Unlimited Check Writing1
    • E-Statements Available
    • Online Banking
    • Mobile Banking2
    • Phone Banking
    • Text Banking2
    • Bill Pay
    • Xpress Deposit3


    1Check images returned with statements and available through online banking.
    2Message and data rates may apply.
    3Enrollment and approval required.

    Health Savings Accounts (HSA) are Health Savings tax advantage medical expense accounts for those who are eligible.

  • Safe Deposit Boxes

    Store valuable papers and items securely at one of our safe deposit box locations.1

    Sizes2

    3 x 5 $30.00
    5 x 5 $35.00
    3 x 10 $40.00
    4 x 10 $50.00
    5 x 10 $60.00
    10 x 10 $80.00
    15 x 11 $100.00

     

    • Minimum Deposit: $25.00 Key Deposit
      Refundable when the box is released and both keys returned.
    • Auto Draft Discount: $15.00
      Sign up to have your box rental automatically charged to your account and receive a discount.


    1Not available at all locations.
    2Not all sizes available at all locations.

For more information please visit one of our Branch locations to learn more about our account disclosures.