LIVE CHAT


Welcome First Bank & Trust East Texas customers! Click the merger details banner on the homepage to access your account information.

Checking Accounts - Non-Interest Bearing

All accounts require a $50 minimum opening deposit. All deposit accounts may be opened online or at any of our convenient locations.

Open Now
  •  
  • Prime Checking
  • Classic Checking
  • Veterans Checking
  • NEXT Checking
  • Spirit Checking
  •  
  • Additional Benefits / Information
  • Monthly Service Charge
  • Online Banking w/ Bill Pay
  • Advantage Check Card
  • Overdraft Privilege
  • Check Handling
• Cell Phone Protection1
• $10,000 Travel Accidental Death Insurance2
• Identity Theft Protection1,2
• Roadside Assistance
• Discounts/ Coupons: Shopping, Dining, Traveling, Grocery; Pharmacy, Vision, and Hearing Savings *
* Registration with BaZing.com is required to receive certain benefits.

1 Cell phone protection and personal identity protection are subject to additional terms and conditions.
2 Insurance products are NOT FDIC INSURED, NOT A DEPOSIT, NOT AN OBLIGATION OF OR GUARANTEED BY SOUTHSIDE BANK, ITS AFFILIATES, OR ANY GOVERNMENTAL AGENCY.×
• Free initial order of “American Flag” checks with first new account
• Initial fee waived for custom “Patriotic” debit card
• $5.95 bill pay, waived with e-statements

Proper forms of ID to open account include: DD-214 (“Long Form”), Vet cards, or valid current military ID.×
At the age of 18, Spirit Checking account will convert to Classic Checking.×
Reduce it by $1 with e-Statement – Reduce it by 10¢ every time you use your debit card for purchases.

You can even get it to $0.

The 10¢ credit applies to qualified debit card purchases that post to the account during a statement cycle. Qualified debit card purchases include Pinned Point-Of-Sale (POS) purchases, Signature POS purchases and Pinless Bill Pay-POS debit transactions. ATM transactions do not qualify as a purchase. The maximum credit given is $5 during the statement cycle.×
Paper Statement Fee $3 (waived w/e-Statement enrollment)

Inactivity Fee $5 (If inactive for 90 days and balance is less than $500)×
Paper Statement Fee $3 (waived w/e-statement enrollment)

Inactivity Fee $5 (If inactive for 90 days and balance is less than $500)×
Paper Statement Fee $3 (waived w/e-Statement enrollment)×
Inactivity Fee $5 (If inactive for 90 days and balance is less than $500)×
Accounts that feature Check Safekeeping will receive a detailed statement each month reflecting all check numbers and the dollar amounts for which they cleared. This eliminates the security and storage issues associated with maintaining your cancelled checks. Should you need a copy of a check, it is available at no charge for 90 days through your Online Banking access. Copies may also be requested from the bookkeeping department. Click here for current fees.×
Accounts that feature Check Safekeeping will receive a detailed statement each month reflecting all check numbers and the dollar amounts for which they cleared. This eliminates the security and storage issues associated with maintaining your cancelled checks. Should you need a copy of a check, it is available at no charge for 90 days through your Online Banking access. Copies may also be requested from the bookkeeping department. Click here for current fees.×
Accounts that feature Check Safekeeping will receive a detailed statement each month reflecting all check numbers and the dollar amounts for which they cleared. This eliminates the security and storage issues associated with maintaining your cancelled checks. Should you need a copy of a check, it is available at no charge for 90 days through your Online Banking access. Copies may also be requested from the bookkeeping department. Click here for current fees.×
• Cell Phone Protection1
• $10,000 Travel Accidental Death Insurance2
• Identity Theft Protection1,2
• Roadside Assistance
• Discounts/ Coupons: Shopping, Dining, Traveling, Grocery; Pharmacy, Vision, and Hearing Savings *
* Registration with BaZing.com is required to receive certain benefits.

1 Cell phone protection and personal identity protection are subject to additional terms and conditions.
2 Insurance products are NOT FDIC INSURED, NOT A DEPOSIT, NOT AN OBLIGATION OF OR GUARANTEED BY SOUTHSIDE BANK, ITS AFFILIATES, OR ANY GOVERNMENTAL AGENCY.×
Reduce it by $1 with e-Statement – Reduce it by 10¢ every time you use your debit card for purchases.

You can even get it to $0.

The 10¢ credit applies to qualified debit card purchases that post to the account during a statement cycle. Qualified debit card purchases include Pinned Point-Of-Sale (POS) purchases, Signature POS purchases and Pinless Bill Pay-POS debit transactions. ATM transactions do not qualify as a purchase. The maximum credit given is $5 during the statement cycle.×
Paper Statement Fee $3 (waived w/e-Statement enrollment)

Inactivity Fee $5 (If inactive for 90 days and balance is less than $500)×
Accounts that feature Check Safekeeping will receive a detailed statement each month reflecting all check numbers and the dollar amounts for which they cleared. This eliminates the security and storage issues associated with maintaining your cancelled checks. Should you need a copy of a check, it is available at no charge for 90 days through your Online Banking access. Copies may also be requested from the bookkeeping department. Click here for current fees.×
• Free initial order of “American Flag” checks with first new account
• Initial fee waived for custom “Patriotic” debit card
• $5.95 bill pay, waived with e-statements

Proper forms of ID to open account include: DD-214 (“Long Form”), Vet cards, or valid current military ID.×
Paper Statement Fee $3 (waived w/e-statement enrollment)

Inactivity Fee $5 (If inactive for 90 days and balance is less than $500)×
Paper Statement Fee $3 (waived w/e-Statement enrollment)×
Accounts that feature Check Safekeeping will receive a detailed statement each month reflecting all check numbers and the dollar amounts for which they cleared. This eliminates the security and storage issues associated with maintaining your cancelled checks. Should you need a copy of a check, it is available at no charge for 90 days through your Online Banking access. Copies may also be requested from the bookkeeping department. Click here for current fees.×
At the age of 18, Spirit Checking account will convert to Classic Checking.×
Inactivity Fee $5 (If inactive for 90 days and balance is less than $500)×
Accounts that feature Check Safekeeping will receive a detailed statement each month reflecting all check numbers and the dollar amounts for which they cleared. This eliminates the security and storage issues associated with maintaining your cancelled checks. Should you need a copy of a check, it is available at no charge for 90 days through your Online Banking access. Copies may also be requested from the bookkeeping department. Click here for current fees.×

CLICK HERE FOR INTEREST BEARING ACCOUNTS