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As a community bank, we believe it's so important to support our customers in times of need, and we know many of you may be negatively impacted by the Coronavirus precautions currently being taken. We are grateful to be able to offer you the following special programs and commit to approach each situation with the utmost respect and compassion. 

For information about our banking centers and personal programs, visit our Coronavirus Response page. If you need help, please don't hesitate to reach out to us!

Personal & Business Recovery Loans

Special low-interest loans for business or personal use designed specifically to assist in the recovery process.

TERM:  180-day loan program
INTEREST RATE:  3.25% Annual Percentage Rate (APR) single-payment loan.
THE FINE PRINT: 

  • Must be a Texas First Bank Personal or Business customer
  • Must meet standard loan requirements, including credit scores, financial information, and cash flow
  • For new purposes only; cannot be used to payoff existing loans or debt
  • Limited time offer begins March 20, 2020 and ends June 3, 2020
For more information on applying for a COVID-19 Personal or Business Recovery Loan, contact your Loan Officer or call us at 409-766-5499.

SBA Loans

If the Business Recovery Loan is not right for you, you may qualify for a loan through the US Government's Small Business Administration (SBA) office. The Economic Injury Disaster Loan (EIDL) is available for private non-profits and small businesses who do not qualify for loans elsewhere. For more information, the SBA has put together a PowerPoint Presentation - PDF Download

Paycheck Protection Program (PPP) - SBA 

Update 3/30/2020: Texas First Bank will be participating in the Paycheck Protection Program (PPP). This is an emergency lending program administered by the US Government's Small Business Administration under its 7(a) lending program. $349 billion in funding was allocated to this program through the CARES Act, and only community banks who are SBA Preferred Lenders and already authorized to make SBA loans are able to make these loans.

Texas First Bank falls into this category. We are still awaiting specific details along with implementation guidance from the SBA, and this information is expected in the coming weeks. In the meantime, the US Chamber of Commerce has released a helpful guidePDF Download with more information about the program. Please contact your banking center or loan officer for more information.

Loan Payment Extensions

30, 60, and 90-day extensions on existing loan payments (personal or commercial) are available for qualified customers, based on circumstances and need.
 
To request an extension on a bank loan, contact your Loan Officer or call us at 409-766-5499.

Treasury Management Solutions/Merchant Services

Whether you need support for existing products or want to set up alternative ways to manage your money, our Treasury Management Solutions team is here to help with your business needs. Call (713) 629-2850 or email [email protected] for more information.

Credit Card Help

Skip-a-payment and credit card limit increase options are available for those who need a little extra time to make their credit card payment or a higher card limit to assist with coronavirus-related expenses. Subject to credit approval.
 
To request a skip-a-payment or increase your card limit, contact our Visa Department at 409-908-9949.
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