No Fee Checking*

• Minimum balance to open the account: You must deposit $200.00 to open this account.
• Fees: There is no monthly service charge for this account.
• Special Features: Free 24 hour telebanking, free internet banking, free ATM card.
• Additional Information: Check images will not be returned with your statement. Images may be obtained at an additional fee.

Star Account*

• Minimum balance to open the account: You must deposit $200.00 to open this account.
• Minimum balance to avoid imposition of fees: If you maintain a minimum balance of $700.00, no service charge will be imposed. If your balance falls below $700.00 any day during the monthly statement cycle, we will impose a service charge of $7.00 once during the statement cycle.
• Special Features: No charge for the following services: 24 hour telebanking, free ATM card, free telebanking transfers, free images, free internet banking.

Gold Star Account*

• Minimum balance to open the account: You must deposit $200.00 to open this account.
• Minimum balance to avoid imposition of fees: If you maintain a minimum balance of $1,000.00, no service charge will be imposed. If your balance falls below $1,000.00 any day during the monthly statement cycle, we will impose a service charge of $10.00 once during the statement cycle.
• Service charges are waived for customers 55 and older.
• Special Features: No charge for the following services: notary services, 5 cashier checks and money orders (combined), traveler’s checks, 5 Xerox copies, 2 local faxes, initial box of LSB stock wallet checks, 24 hour telebanking, free ATM card, free internet banking, free images, safe deposit box rental free for remainder of calendar year in which the box is rented. These features are on a per month basis.

Texas Style Small Business Checking*

• Minimum balance to open the account: You must deposit $200.00 to open this account.
• Fees: A service charge of $10.00 will be charged once during each statement cycle, regardless of the balance maintained. The first 50 items, debit or credit, are included with the monthly service charge. After the first 50 items, a fee of $0.25 per item, debit or credit, will be imposed.

Commercial Analysis Checking*

• Minimum balance to open the account: You must deposit $200.00 to open this account. If you maintain a minimum balance of $200.00, no service charge will be imposed. If your balance falls below $200.00 any day during the monthly statement cycle, we will impose a service charge of $10.00 once during the statement cycle.
• Fees: Account analysis service charge will be imposed every statement cycle in which the earnings credit is less than the total of all monthly charges. A detailed analysis calculation and a list of fees imposed on an account analysis account are available at new accounts.

NOW Account*

You must be an individual or an entity authorized by Federal regulations to open this account.

• Rate Information: Your interest rate and annual percentage yield may change.
• Frequency of rate changes: We may change the interest rate on your account at any time.
• Determination of rate: At our discretion, we may change the interest rate on your account.
• Compounding and crediting frequency: Interest will be compounded monthly. Interest will be credited to your account every month.
• Effect of closing an account: If you close your account before interest is credited, you will not receive the accrued interest.
• Minimum balance to open the account: You must deposit $1,500.00 to open this account.
• Minimum balance to avoid imposition of fees: A service charge of $10.00 will be imposed every statement cycle if the average daily balance in the account falls below $1,500.00 during the cycle. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.
• Minimum balance to obtain the annual percentage yield disclosed: You must maintain a minimum average daily balance of $1,500.00 to obtain the disclosed annual percentage yield. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the monthly statement cycle.
• Average daily balance computation method: We use the average daily balance method to calculate the interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the monthly statement cycle.
• Accrual of interest on non-cash deposits: Interest begins to accrue on the business day you deposit non-cash items (for example, checks).

Money Market Account*

• Rate Information: Your interest rate and annual percentage yield may change.
• Frequency of rate changes: We may change the interest rate on your account at any time.
• Determination of rate: At our discretion, we may change the interest rate on your account.
• Compounding and crediting frequency: Interest will be compounded monthly.  Interest will be credited to your account every month.
• Effect of closing an account: If you close your account before interest is credited, you will not receive the accrued interest.
• Minimum balance to open the account: You must deposit $1,500.00 to open this account.
• Minimum balance to avoid imposition of fees: A service charge of $15.00 will be imposed every statement cycle if the average daily balance in the account falls below $1,500.00 during the cycle. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.
• Minimum balance to obtain the annual percentage yield disclosed: You must maintain a minimum average daily balance as disclosed on the APY disclosure which is available by telephone and at our office. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the monthly statement cycle.
• Average daily balance computation method: We use the average daily balance method to calculate the interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the monthly statement cycle.
• Accrual of interest on non-cash deposits: Interest begins to accrue on the business day you deposit non-cash items (for example, checks).
• Transaction limitations: During any monthly statement cycle, you may not make more than six withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction. No more than six of the six transfers may be made by check, draft, debit card (if applicable), POS transaction or similar order to a third party. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure.
• Fees: An excess debit fee of $10.00 will be charged for each debit in excess of six during a statement cycle.

Savings Account

• Rate Information: Your interest rate and annual percentage yield may change.
• Frequency of rate changes: We may change the interest rate on your account at any time.
• Determination of rate: At our discretion, we may change the interest rate on your account.
• Compounding and crediting frequency: Interest will be compounded quarterly. Interest will be credited to your account once every quarter.
• Effect of closing an account: If you close your account before interest is credited, you will not receive the accrued interest.
• Minimum balance to open the account You must deposit $200.00 to open this account. Students must deposit $100.00 to open this account.
• Minimum balance to avoid imposition of fees: A service charge of $5.00 will be imposed every statement cycle if the average daily balance in the account falls below $200.00 ($100.00 for students) during the cycle. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.
• Minimum balance to obtain the annual percentage yield disclosed: You must maintain a minimum average daily balance of $200.00 ($100.00 for students) to obtain the disclosed annual percentage yield. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the quarterly statement cycle.
• Average daily balance computation method: We use the average daily balance method to calculate the interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the quarterly statement cycle.
• Accrual of interest on non-cash deposits: Interest begins to accrue on the business day you deposit non-cash items (for example, checks).
• Transaction limitations: During any monthly statement cycle, you may not make more than six withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction. No more than six of the six transfers may be made by check, draft, debit card (if applicable), POS transaction or similar order to a third party. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure.
• Fees: An excess debit fee of $5.00 will be charged for each withdrawal in excess of six during a quarter.

*An overdraft or non-sufficient funds (NSF) fee of $25.00 per item is imposed for overdrafts or NSFs created by checks, in person withdrawals, ATM withdrawals, or by any other electronic means, as applicable.

 

Common Features

The following fees may be assessed against your account and the following transaction limitations, if any, apply to your account.

24 Hour Telebanking

24 Hour Telebanking - Moulton: 866-333-9064.

24 Hour Telebanking - Shiner: 866-333-9064.

24 Hour Telebanking - Brazoria: 866-333-9064.

24 Hour Telebanking - Gonzales: 866-333-9064.

24 Hour Telebanking - Austin: 866-333-9064.

24 Hour Telebanking - North Austin: 866-333-9064.

Important Information

ANY TRANSACTIONS MADE AT BANK OR BRANCH LOCATIONS AFTER 3:00 P.M. WILL POST TO YOUR ACCOUNT THE NEXT BUSINESS DAY.

TO REPORT A LOST/STOLEN ATM/DEBIT CARD AFTER NORMAL BUSINESS HOURS CALL 800-535-8440