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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 assets totaling $1 billion and deposits totaling $985 million, classifying it as 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, which is helpful for those that work during typical customer service hours. It is a conventional brick-and-mortar bank with access to service representatives at a physical location, in addition to its online and mobile apps. With a score of 4.3 stars out of 5, Falcon International Bank should be solidly in contention for your choice of bank. Falcon International Bank provides customers with numerous product offerings, including savings accounts, checking accounts, money market accounts and IRAs. It has a fair savings rate; you can find higher rates with other banks. If you're interested in stress-free personal checking, Falcon International Bank's standard checking account does not have a monthly maintenance fee. Locating a bank with free checking as well as a high savings APY is the best bet for gaining the most income on your deposits while maintaining easy access to your money.

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 compared to other U.S. banks. Its one-year CD has a rate of 0.50% and the five-year CD has a rate of 1.00%, while its highest-yielding money market account earns at a rate of 0.10%. Given its below average savings rate, you should consider taking a look at other banks for savings accounts.

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

On average, Falcon International Bank charges customers extremely low fees compared to other U.S. banks. Falcon International Bank's checking account has no monthly fee, making it excellent for anyone looking for a simple account. Falcon International Bank does not reimburse out-of-network ATM fees, which means you will need to search for a Falcon International Bank ATM or pay the cost of withdrawal.

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. It also offers access to mobile and web apps for simple access and banking on the go. It offers all-day access to representatives. Falcon International Bank receives high marks from users for its online presence. Out of 33 ratings on Apple and Android platforms, the Falcon International Bank mobile app has an overall rating of 4.6 out of 5 (compared to the national average of 3.8). Falcon International Bank's mobile app lets you control your funds by reviewing monthly statements, sending and receiving money as well as reaching customer service. Falcon International Bank gets an outstanding consumer satisfaction rating based on relatively few consumer complaints registered with the Consumer Financial Protection Bureau (CFPB), a government financial agency that protects consumers in the financial sector.

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 with $1 billion in assets as well as deposits totaling $985 million. Its Texas Ratio is 8.79%, denoting that the bank is in good financial well-being and improbable to fail. 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 including savings accounts, checking accounts and money market accounts to give you many options to manage your money. Falcon International Bank does not have the best savings rate, which means you should think about taking a look elsewhere 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 in comparison to the average U.S. bank.

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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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