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Falcon International Bank Review

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Falcon International Bank Savings
0.10% APY
1. Overview 2. How We Rated It 3. Products Offered 4. Branch Locations


Started in 1986, Falcon International Bank has $1 billion in assets along with deposits totaling $985 million, which makes it a medium-size bank. Falcon International Bank, whose headquarters are in Laredo, Texas, has above-average access to customer service with all-day support available, great for getting help during the work week. It is a traditional brick-and-mortar bank with in-person service, in addition to its online and mobile apps. On the whole, Falcon International Bank is a solid pick to be your bank, with a score of 4.3 stars out of 5 from the SmartAsset team. Falcon International Bank has numerous product offerings, which include savings accounts, checking accounts, money market accounts and IRAs. Falcon International Bank has a fair savings rate compared to the average savings account. If you're looking for a checking account for everyday use, Falcon International Bank offers an option without a monthly fee. Locating a checking account with no monthly fee, in addition to a savings account with a high APY at the same institution is your best option for accruing the most income from your deposits alongside convenient access to your funds.

How We Rated It

SmartAsset's Overall Rating

National Average: 4.1

The overall rating is a weighted average of rates, fees, service quality and financial health.Read more


SmartAsset Average: 3.5

Falcon International Bank features a savings rate of 0.10%, which is fair in comparison to other U.S. banks. Its one-year CD earns at a rate of 0.50% and the five-year CD earns at a rate of 1.00%, while its highest-yielding money market account has an APY of 0.10%. Given Falcon International Bank's noncompetitive savings rate, you should think about choosing another bank to earn more on your deposits.

How Falcon International Bank's Savings Rates Compare

Falcon International Bank Savings 0.10 National Average 0.26 Compare Offers
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SmartAsset Average: 4.4

Falcon International Bank generally has extremely low fees as compared against the national average. With no monthly fee, Falcon International Bank's checking account is perfect for those who need an easy banking experience. Falcon International Bank unfortunately doesn't reimburse out-of-network ATM charges, meaning you'll need to locate a Falcon International Bank ATM or accept the withdrawal fee.

Monthly Fee $0 National Average: $3.21
Non-network ATM Fee N/A National Average: $1.20
Overdraft Fee N/A National Average: $35.00
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Service Quality

SmartAsset Average: 3.7

Falcon International Bank is a brick-and-mortar bank, with 17 total bank locations in Texas. With mobile and web apps, Falcon International Bank makes account access straightforward, even on the go. It has access to all-day access to representatives. Falcon International Bank's online and mobile banking platforms get great feedback from customers. Out of 33 ratings on both iOS and Android platforms, the Falcon International Bank mobile app is scored at 4.6 out of 5 (compared to the national average of 3.8). Falcon International Bank's mobile app allows you to manage your finances by reviewing account balances, sending and receiving funds and reaching customer service. Falcon International Bank gets an exceptional consumer satisfaction rating due to comparatively few complaints filed with the Consumer Financial Protection Bureau (CFPB), a government-backed consumer protection agency.

Overall Mobile Rating 4.6/5
Consumer Satisfaction Rating 5.0/5
Online Banking Portal No
Live Chat No
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Financial Health

SmartAsset Average: 4.8

Falcon International Bank ranks as a medium-size bank and manages assets totaling $1 billion and $985 million in deposits. Falcon International Bank has a strong Texas Ratio of 8.79%, denoting a tiny chance of failure. Additionally, Falcon International Bank is FDIC-insured, meaning that your money is insured up to $250,000, even in the event of bank failure.

Texas Ratio Analysis

High Risk 75% 50% 20% 10% Low Risk

The Texas Ratio, a measure of a "bad assets" against available capital, can provide an early warning sign of bank failure. A low ratio indicates smaller chance of failure; a higher ratio suggests greater risk.

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Compare Falcon International Bank to Other Competitive Offers

Products Offered

Product Current Terms and Rates Minimum Balance for APY
Savings Account 0.1% APY $1
Checking Account 0.1% APY $1
Certificates of Deposit
  • 12 Month: 0.50% APY
  • 24 Month: 0.85% APY
  • 36 Month: 1.00% APY
  • 60 Month: 1.00% APY
$1000 for all terms
Money Market Account 0.1% APY $1

Falcon International Bank has several deposit products like savings accounts, checking accounts and money market accounts that provide you with many options to manage your money. Falcon International Bank does not have the best savings rate, which means you should consider other options for banks that deliver more return for your money. CDs can be a terrific option to achieve higher returns, but there are limitations to accessing your money. Falcon International Bank's CD rates are fair as compared against the national average.

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Find a Falcon International Bank Near Me

Falcon International Bank has 17 physical locations in the U.S.

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