Providing comprehensive depository and lending products, our services are delivered with a "high touch" personalized approach. Lone Star is committed to providing superior responsiveness and value to our customers through creative flexible solutions to banking needs, as well as quick answers to questions and requests.
The banking solutions we offer will give you that personal touch along with the technology you expect. From our checking, savings and money market accounts to our award winning electronic banking services, we've got you covered!
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►Personal
►Commercial
Checking
> More Info
> More Info
< Show All Checking Options
< Show All Checking Options
> Freedom Checking
Freedom Checking
►Minimum to Open: $500
►No Required Average Daily Balance
►No Monthly Service Fee
►Unlimited Transactions
►Free Initial Order of Checks (Wallet bank stock checks only, no duplicates)
> Smart Checking
Smart Checking
►Minimum to Open: $500
►$500 Average Daily Balance required to avoid monthly service fee of $5
►Unlimited Transactions
►Free Initial Order of Checks (Wallet bank stock checks or duplicates)
►Free Check Images
> Interest Checking
Interest Checking
►Minimum to Open: $1,000
►$1000 Average Daily Balance required to avoid monthly service fee of $10
►Unlimited Transactions
►Free Initial Order of Checks (Wallet bank stock checks or duplicates)
►Free Check Images
►Free Cashier's Checks
►Interest Compounded Daily, Paid Monthly*
*Interest Tiers:
Tier 1 - $0 to $24,999.99
Tier 2 - $25,000 to $99,999.99
Tier 3 - $100,000 to $249,999.99
Tier 4 - $250,000 to $999,999.99
Tier 5 - $1,000,000 or more
> Elite Checking (55+)
Elite Checking (55+)
►Minimum to Open: $100
►$250 Average Daily Balance required to avoid monthly service fee of $5
►Unlimited Transactions
►Free Checks (Wallet bank stock checks or duplicates)
►Free Check Images
►Free Cashier's Checks
> Lone Star Connection
Lone Star Connection
►Minimum to Open: $2,500
►$50,000 Average Daily Combined Balance required to avoid monthly service fee of $15
►Unlimited Transactions
►Free Checks (Wallet bank stock checks, duplicates, or customer creations checks)
►Free Check Images
►Free Cashier's Checks
►Interest Compounded Daily, Paid Monthly*
►Eligible to Apply for Preferred Credit Card
►Combined Statements Available
►Free Account Statement Printouts
►Free Zipper Bag
*Interest Tiers:
Tier 1 - $0 to $4,999.99
Tier 2 - $5,000 to $24,999.99
Tier 3 - $25,000 to $49,999.99
Tier 4 - $50,000 to $99,999.99
Tier 5 - $100,000 or more
> Student Checking
Student Checking
►Minimum to Open: $100
►No Minimum Balance Required
►No Monthly Service Fee
►Unlimited Transactions
►Free Initial Order of Checks (School logo checks, wallet bank stock checks, or duplicates)
> Free Commercial
Free Commercial
►Minimum to Open: $500
►No Required Average Daily Balance
►No Monthly Service Fee
►100 Free Transactions, then .20 per item
►Free Initial Order of Checks (Wallet bank stock checks only, no duplicates)
►Free Initial Order of Deposit Tickets (Padded deposit tickets, no duplicates)
►Online Bill Pay ($5.75 for 10 items then .50 each addtional item)
> Regular Commercial
Regular Commercial
►Minimum to Open: $500
►$1,000 Average Daily Balance required to avoid monthly service fee of $10
►400 Free Transactions, then .15 per item
►Free Check Images
►Free Deposit Tickets (Padded, no duplicates)
►Online Bill Pay ($5.75 for 10 items then .50 each additional item)
> Commercial Interest
Commercial Interest
►Minimum to Open: $1,500
►$1,500 Average Daily Balance required to avoid monthly service fee of $15
►100 Free Transactions, then .25 per item
►Free Check Images
►Free Deposit Tickets (Padded, no duplicates)
►Online Bill Pay ($5.75 for 10 items then .50 each additional item)
►Interest Compounded Daily, Paid Monthly*
►If night drop customer, 1 free locked zipper bag and 2 night drop keys
*Interest Tiers:
Tier 1 - $0 to $24,999.99
Tier 2 - $25,000 to $99,999.99
Tier 3 - $100,000 to $249,999.99
Tier 4 - $250,000 to $999,999.99
Tier 5 - $1,000,000 or more
> Commercial Analysis
Commercial Analysis
►Minimum to Open: $500
►No Required Average Daily Balance
►$10 Monthly Fee Plus Analysis Fees
►Free Check Images
►Free Deposit Tickets (Padded, no duplicates)
►Online Bill Pay ($5.75 for 10 items then .50 each additional item)
Savings and MMA
> More Info
> More Info
< Show All Savings/MMA Options
< Show All Savings/MMA Options
> Money Market
Money Market
►Minimum to Open: $2,500
►$2,500 Average Daily Balance Required to avoid monthly service fee of $12
►6 Free Debit Transactions Per Month
►$10 Excess Transaction Fee
►Free Check Images
►Free Online Banking
►Free E-Statements
►Free Checks (Wallet bank stock checks only, no duplicates)
►Interest Compounded Daily, Paid Monthly*
*Interest Tiers:
Tier 1 - $0 to $24,999.99
Tier 2 - $25,000 to $99,999.99
Tier 3 - $100,000 to $249,999.99
Tier 4 - $250,000 to $999,999.99
Tier 5 - $1,000,000 or more
> Regular Savings
Regular Savings
►Minimum to Open: $100
►$100 Average Daily Balance Required to avoid monthly service fee of $2
►3 Free Debit Transactions Per Month
►$10 Excess Transaction Fee
►Free Online Banking
►Free E-Statements
►Interest Compounded Daily, Paid Quarterly*
*Interest Tiers:
Below $100 - no interest earned
Tier 1 - $100 to $4,999.99
Tier 2 - $5,000 to $9,999.99
Tier 3 - $10,000 to $24,999.99
Tier 4 - $25,000 to $49,999.99
Tier 5 - $50,000 or more
> Colt Savings (under 18)
Colt Savings (under 18)
►Minimum to Open: $25
►No Average Daily Balance Required
►No Monthly Service Fee
►2 Free Debit Transactions Per Month
►$10 Excess Transaction Fee
►Free Online Banking
►Free E- Statements
►Interest Compounded Daily, Paid Quarterly*
*Interest Tiers:
Below $100 - no interest earned
Tier 1 - $100 to $4,999.99
Tier 2 - $5,000 to $9,999.99
Tier 3 - $10,000 to $24,999.99
Tier 4 - $25,000 to $49,999.99
Tier 5 - $50,000 or more
> Money Market
Money Market
►Minimum to Open: $2,500
►$2,500 Average Daily Balance Required to avoid monthly service fee of $12
►6 Free Debit Transactions Per Month
►$10 Excess Transaction Fee
►Free Check Images
►Free Online Banking
►Free E-Statements
►Free Checks (Wallet bank stock checks only, no duplicates)
►Interest Compounded Daily, Paid Monthly*
*Interest Tiers:
Tier 1 - $0 to $24,999.99
Tier 2 - $25,000 to $99,999.99
Tier 3 - $100,000 to $249,999.99
Tier 4 - $250,000 to $999,999.99
Tier 5 - $1,000,000 or more
> Savings
Savings
►Minimum to Open: $100
►$100 Average Daily Balance Required to avoid monthly service fee of $2
►3 Free Debit Transactions Per Month
►$10 Excess Transaction Fee
►Free Online Banking
►Free E-Statements
►Interest Compounded Daily, Paid Quarterly*
*Interest Tiers:
Below $100 - No interest earned
Tier 1 - $100 to $4,999.99
Tier 2 - $5,000 to $9,999.99
Tier 3 - $10,000 to $24,999.99
Tier 4 - $25,000 to $49,999.99
Tier 5 - $50,000 or more
CDs and IRAs
> More Info
< Show All CD/IRA Options
> Fixed Rate CD
Fixed Rate CD
►Minimum to Open: $1,000
►Terms: 1, 3, 6, 12, 18, 36, & 60 Months
►Early Withdrawal Penalty - 50% of the total interest accrued over the term of the CD
►Additional Deposits Allowed
►Automatic Renewal
►10 Day Grace Period After Maturity to Withdraw Without Penalty
►Interest Compounded Quarterly, Paid Quarterly
> Jumbo Fixed Rate CD
Jumbo Fixed Rate CD
►Minimum to Open: $100,000
►Terms: 1, 3, 6, 12, 18, 36, & 60 Months
►Early Withdrawal Penalty - 50% of the total interest accrued over the term of the CD
►Additional Deposits Allowed
►Automatic Renewal
►10 Day Grace Period After Maturity to Withdraw Without Penalty
►Interest Compounded Quarterly, Paid Quarterly
> Flex Fixed Rate CD
Flex Fixed Rate CD
►Minimum to Open: $5,000
►Term: 18 Months
►1 Withdrawal Allowed Without Penalty
►Early withdrawal penalty of 50% of the total interest accrued over the term of the CD on withdrawals over 1
►Additional Deposits Allowed
►Automatic Renewal
►10 Day Grace Period After Maturity to Withdraw Without Penalty
►Interest Compounded Quarterly, Paid Quarterly
> IRA Options
IRA Options*
►Fixed Rate IRA
►Jumbo Fixed Rate IRA
*Contact us for more IRA details
CDs
> More Info
< Show All CD Options
> Fixed Rate CD
Fixed Rate CD
►Minimum to Open: $1,000
►Terms: 1, 3, 6, 12, 18, 36, & 60 Months
►Early Withdrawal Penalty - 50% of the total interest accrued over the term of the CD
►Additional Deposits Allowed
►Automatic Renewal
►10 Day Grace Period After Maturity to Withdraw Without Penalty
►Interest Compounded Quarterly, Paid Quarterly
> Jumbo Fixed Rate CD
Jumbo Fixed Rate CD
►Minimum to Open: $100,000
►Terms: 1, 3, 6, 12, 18, 36, & 60 Months
►Early Withdrawal Penalty - 50% of the total interest accrued over the term of the CD
►Additional Deposits Allowed
►Automatic Renewal
►10 Day Grace Period After Maturity to Withdraw Without Penalty
►Interest Compounded Quarterly, Paid Quarterly
> Flex Fixed Rate CD
Flex Fixed Rate CD
►Minimum to Open: $5,000
►Term: 18 Months
►1 Withdrawal Allowed Without Penalty
►Early withdrawal penalty of 50% of the total interest accrued over the term of the CD on withdrawals over 1
►Additional Deposits Allowed
►Automatic Renewal
►10 Day Grace Period After Maturity to Withdraw Without Penalty
Introduction: My name is Merrill Bechtelar CPA, I am a clean, agreeable, glorious, magnificent, witty, enchanting, comfortable person who loves writing and wants to share my knowledge and understanding with you.
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