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

• Low minimum opening balance
• No monthly service charge if average daily balance is maintained
• Unlimited check writing
  * Please contact us to obtain a product disclosure for this account.

Back to Basic Account
A basic checking account designed for those who only write a few checks a month.

• Low minimum opening balance
• No monthly balance requirement
• Affordable monthly service fee
  * Please contact us to obtain a product disclosure for this account.
  

First Team Account
Package account with no monthly service charge if you are enrolled in a direct deposit plan and have check safekeeping (bank retains your canceled checks).

• No monthly service fee
• No monthly balance requirement
• No per-check fees
• Unlimited check writing
• First box of introductory checks are free
  * Please contact us to obtain a product disclosure for this account.

Texas Premier Account
With an Average Daily Balance of $5,000 or more in this, or in combination with a money market or savings account

• Unlimited check writing
• First box of introductory checks free
• Free Debit Card
• Preferred CD rates (.25 basis point premium)
  * Please contact us to obtain a product disclosure for this account.

Related Services
In association with all of our checking account products we offer the following related Services:

• Automatic Transfers to and from other FTB accounts
• Bank-by-mail
• Direct Deposit Option
• First Texas Card - Debit Card Product
• Overdraft Protection from Savings
• Ready Credit - Line of Credit that can also act as Overdraft Protection
• Timeless Teller - Telephone Banking
  * Please contact us to obtain a product disclosure for this account.

Personal Interest Checking

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

• Interest paid monthly
• No monthly service charge if average balance is maintained
• Unlimited check writing
  * Please contact us to obtain a product disclosure for this account.

Personal Super NOW Account
Designed for clients who maintain higher balances want to earn a better rate of interest on their account.

• Interest paid monthly
• No monthly service charge if daily balance is maintained
• Unlimited check writing
  * Please contact us to obtain a product disclosure for this account.

Personal Money Market Account
The Money Market Account earns an even higher rate of interest while maintaining complete liquidity.

• Interest paid monthly
• No monthly service charge if daily balance is maintained
• Completely Liquid
• Limited check writing (* see restrictions)
  * Please contact us to obtain a product disclosure for this account.

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

• Interest compounded daily and paid quarterly
• Low daily balance requirement to avoid service charge
• Up to three withdrawals per month at no charge
  * Please contact us to obtain a product disclosure for this account.

Certificates 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 from 30 days up to 2 years
• Choice in interest payment - monthly, quarterly, annually or at maturity
  * Please contact us to obtain a product disclosure for this account.

Individual Retirement Accounts
We offer both Roth and Traditional IRA accounts. These accounts make saving for your retirement simple.

• Tax deferred earnings or tax-free withdrawals for certain distributions, you decide which account is right for you
• Low opening balance requirement
• Competitive rate of interest.
  * Please contact us to obtain a product disclosure for this account.
  

Personal Loans and Lines of Credit
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!

Ready Credit
Ready Credit is a line of credit that works with your First Texas Bank personal checking account. With Ready Credit you have the assurance of knowing that inadvertent overdrafts will automatically be covered, up to your credit limit. Or use this line of credit for a little extra cash when you need it. Keeping track of Ready Credit is easy too. The amount needed is rounded up to the nearest $100 and transferred to your checking account.

Account activity, including payment information, is detailed on your monthly checking account statement. Your monthly payment will be automatically deducted from your checking account. To ensure that you avoid the costs and inconvenience of an overdrawn account, or just to have cash on hand when you need it, e-mail or call us at (512) 255-2501 and apply for Ready Credit 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 loans means 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.

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 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. A construction loan from First Texas Bank lays a strong foundation for your building project. 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 refinancing, 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 to choose from.

For more Information
Our experienced team of lenders are ready to work for you. Call our branch location nearest you, or our main office at (512) 255-2501. We want to help you lay the foundation for your next project.

First Texas Bank offers these convenient services to help you get the most out of your time and money.

ATM (Automated Teller Machine)
Get cash on the go at any First Texas Bank or anywhere you see the Pulse, Plus or Moneymaker network logos. See locations.

Automatic Transfers
You can have transfers made automatically to and from your other FTB accounts. Simply pick the date and amount, and let us do the rest.

Bank-by-Mail service
Enjoy the convenience of making deposits from home by simply using the mail.

Direct Deposit
What could be easier than having your payroll, Social Security or other recurring deposit made to your account safely and automatically each month? With direct deposit, you eliminate unnecessary trips to the bank while ensuring immediate access to your funds.

First Texas Card
Is your key to convenience. Like an ATM card, your First Texas Card is linked to your checking account. And, you can use your First Texas Card just like a credit card to make purchases anywhere that MasterCard is accepted. Instead of charging purchases, the amount is deducted automatically from your checking account.

Night Depository
Make your deposit any time, day or night at any one of our branch locations.

Overdraft Protection
Make a mistake? Don't worry, you can use the funds in your First Texas Bank savings account for overdraft protection. Ask us how.

Ready Credit
Ready Credit is a line of credit that works with your First Texas Bank personal checking account. With Ready Credit you have the assurance of knowing that inadvertent overdrafts will automatically be covered, up to your credit limit. Or use this line of credit for a little extra cash when you need it.

Safe Deposit Boxes
Need a safe place to keep valuables or important papers? Safe deposit boxes are available for a small annual fee.

Timeless Teller - Telephone Banking
Access First Texas Bank's Timeless Teller from any touch tone telephone. You will be guided step by step through a menu of choices. Keeping track of your checking, savings, or loan has never been easier! Just call (512) 873-6060 for the Timeless Teller automated service.

Travelers Checks
Going out of town? We sell Travelers Checks for your protection and convenience.

U.S. Savings Bonds
We offer both purchase and redemption service for US Savings Bonds. Just stop by and see one of our customer service representatives.

VISA/MasterCard
It only makes sense to carry the credit card from the place that cares about your financial concerns. No annual fee. Worldwide Acceptance. 24 hour toll-free customer service. Ask for an application today!