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First Lockhart National Bank

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

Platinum Checking

High-Interest Earnings and Additional Rewards.

Earn really high interest on your monthly balance, 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 high interest
  • 2.00% APY* on balances up to $100,000
  • 2.00% to 0.25% APY on balances over $100,000 depending on balance in account*
  • 0.05% APY* if qualifications aren't met
  • 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
  • Overdraft Privilege Program available
  • FDIC insured (up to current limits)

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

It’s Easy to Earn Your Platinum Checking Rewards

Enrollments must be in place and all of the following transactions and activities must post and settle to your Platinum Checking 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 (i.e.: Automatic Payroll Deposit)

And that’s it. Even if you don’t meet your qualifications during the cycle, your Platinum Checking account is still free. Plus, you’ll still earn our base interest rate and can 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 your Platinum Checking account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $100,000.00 in your Platinum Checking account earn an interest rate of 1.985% resulting in an APY of  2.00%; and daily balances over $100,000.00 earn an interest rate of 0.25% on the portion of the daily balance over $100,000.00, resulting in a range from 2.00% to 0.25% APY depending on the account's daily balance. You will receive reimbursements up to an aggregate total of $24.00 for nationwide ATM withdrawal fees incurred within your Platinum Checking 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 Platinum Checking qualifications are not met, the interest rate earned on the account's entire daily balance will be 0.05% resulting in an annual percentage yield of 0.05% and ATM withdrawal fees are not refunded. Interest will be credited to your Platinum Checking account on the last day of the current statement cycle. Nationwide ATM withdrawal fee reimbursements will be credited to your account on the last day of the current statement cycle.

*APY = Annual Percentage Yield. APYs accurate as of 08/17/2023.

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. Fees may reduce earnings.

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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