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First Lockhart National Bank

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Phone: 512-398-3416 | Routing Number (ABA) 114903213

Gold Cash Back® Checking

Refunds on Debit Card Purchases and Additional Rewards

Earn cash back on debit card purchases, plus refunds on your ATM withdrawal fees, nationwide. There’s no monthly maintenance fee, or minimum balance requirement to earn the rewards.*

If you live anywhere in Texas you can take advantage of this account and start earning your high rate of return today!


  • Free checking that pays you back 
  • 5.00% cash back on debit card purchases*
    • Cash back earned on up to $15 in purchases monthly
    • Earn up to $180 cash back per year, $15 per month
  • Refunds on ATM withdrawal fees, nationwide (up to $24 monthly)*
  • Link to free Platinum Savings to build savings automatically
  • No minimum balance to earn rewards
  • No monthly maintenance fees
  • Free digital banking, including:
  • Free Visa® Debit Card
  • $50 minimum deposit to open
  • Direct deposit available
  • OOPS!™ Overdraft Privilege available
  • FDIC insured (up to current limits)

*Please note that receiving e-statements is a condition of having this account.

Earning Your Gold Cash Back Rewards is a Snap

Enrollments must be in place and all of the following transactions and activities must post and settle to your Gold Cash Back account during each Monthly Qualification Cycle:

  • At least 15 debit card purchases, ($5 minimum per purchase)
  • At least 2 direct deposits, ACH credit, or ACH payment transactions (ie: Automatic Payroll Deposit)

It’s just that simple. Don’t worry if you don’t meet your qualifications during the cycle — your Gold Cash Back account is still free. And, you can even get right back to earning your full rewards the very next month!

Qualification Information:

Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases less than $5.00, debit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. "Monthly Qualification Cycle" means a period beginning one (1) banking day prior to the first day of the current statement cycle through one (1) banking day prior to the last business day of the current statement cycle.

Reward Information:

When Gold Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive 5.00% cash back on up to a total of $300.00 debit card purchases that post and settle to the account during that cycle period. A maximum of $15.00 cash back payments may be earned per Monthly Qualification Cycle. You will receive reimbursements up to an aggregate total of $24.00 for nationwide ATM withdrawal fees incurred within your Gold Cash Back account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. When your Gold Cash Back account qualifications are not met, no cash back payments are made and ATM withdrawal fees are not refunded. Cash back payments and nationwide ATM withdrawal fee reimbursements will be credited to your Gold Cash Back account on the last day of the current statement cycle. Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account’s rewards. Rewards less than a penny cannot be distributed.

Additional Information:

Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $50.00 minimum deposit is required to open the account. Monthly two (2) ACH credits or debits and e-statements are conditions of this account. Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of the account's qualifications. Account available to Texas residents only. Limit of one (1) account per social security number. There are no recurring monthly maintenance charges or fees to open or close this account. Contact one of our bank service representatives for additional information, details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.

Member FDIC.


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