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First Lockhart National Bank

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

Platinum Savings

Growing a rainy-day fund is a piece of cake with this free, interest-earning account that helps you save your checking rewards automatically. Built as the perfect match to a Platinum Checking or Gold Cash Back® checking account, it’s a great way to maximize the benefits of being a Platinum or Gold Cash account holder!

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


  • Free account that builds your savings effortlessly
  • Links to free Platinum Checking or Gold Cash Back
  • Automatic transfers of Platinum Checking or Gold Cash Back earnings
  • 1.50% APY* on balances up to $250,000
  • 1.50% to 0.15% APY on balances over $250,000 depending on balance in account*
  • 0.05% APY* if qualifications are not met
  • No minimum balance requirements to earn rewards
  • No monthly maintenance fees
  • Six withdrawals per quarter
  • Free digital banking, including:
  • $50 minimum deposit to open
  • FDIC insured (up to current limits)

Please note that receiving e-statements is a condition of having this account. Qualifying for the Higher Platinum Savings Rate Is So Easy, You’re Likely Already Doing It.

When you qualify for your Platinum Checking or Gold Cash Back rewards, you automatically qualify for the highest Platinum Savings rate, too! Enrollments must be in place and all of the following transactions and activities must post and settle to your Platinum Checking or 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)

If for some reason you don’t meet these qualifications, it’s going to be just fine — You can still earn our base rate on Platinum Savings and get right back to earning full rewards the very next cycle that you qualify.

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 linked Platinum Checking or Gold Cash Back account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $250,000.00 in your Platinum Savings account earn an APY of 1.50% and daily balances over $250,000.00 earn an interest rate of 0.15% on the portion of the daily balance over $250,000.00, resulting in a range from 1.50% to 0.15% APY depending on the account's daily balance. When your linked Platinum Checking or Gold Cash Back account qualifications are not met, the entire daily balance in the Platinum Savings account earns an interest rate of 0.05% resulting in an annual percentage yield of 0.05% APY. Interest will be credited to your Platinum Savings 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, time frames, enrollments, log-ons and other requirements apply. $50.00 minimum deposit is required to open the 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. A Platinum Checking or Gold Cash Back account is required to have a Platinum Savings account. A linked Platinum Savings account is required for automatic savings. Contact one of our bank service representatives for additional information, details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.


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