Free Checking Account

All accounts are subject to approval. Restrictions and limitations apply. Fees and ways to waive are assessed per statement cycle. The statement cycle date is when your statement’s billing period starts and ends, it’s approximately 30 days.

(1) Subject to the terms and conditions detailed in the Guide to Benefits. Participating merchants on BaZing are not sponsors of the programs, are subject to change without notice, may not be available in all regions and may choose to limit deals. (2) Insurance products are: NOT A DEPOSIT. NOT FDIC-INSURED. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT GUARANTEED BY THE BANK.
(3) For Elite Checking with Interest and Smart Choice Checking only: Early direct deposit is a service that comes with your Elite Checking with Interest and Smart Choice Checking account in which we credit your eligible direct deposit transaction up to one business day early. You must set up direct deposit to your account. The timing of when these transactions will be credited is based on when the payer submits the information to us. This means when these transactions are credited could vary and you may not receive your funds early. Eligible transactions are certain ACH credit transactions such as payroll, government benefits, or similar transactions. (4) For current rates, visit one of our Banking Centers or call 1-800-580-0322. Rates are subject to change at Bank’s discretion. (5) Online Banking, LSNB Mobile™, and eStatements require enrollment in Internet Banking. LSNB Mobile™ requires Web access and access fees may be charged by your mobile carrier; check with your mobile provider for specific details on fees and charges. (6) Copyright © 2024 All rights reserved. Terms and conditions apply. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license. This service is intended for sending money to family, friends, and others whom you trust. You should not use Zelle to send money to persons with whom you are not familiar, or you do not trust. (7) Available to LSNB Mobile app users. Deposits are subject to verification and not available for immediate withdrawal. Deposit limits and restrictions apply. (8) ATM or Visa® Debit cards are available upon request. (9) Requires enrollment through Mobile Wallet App. (10) ATM withdrawals at Lone Star National Bank ATMs and Allpoint Network ATMs at no charge. Fees may apply at other bank ATMs. (11) Surcharge-free ATMs. Visit allpointnetwork.com or download the Allpoint app to find an Allpoint ATM. Available through the Apple, Google or Windows store.
(12) New accounts will not be charged a Monthly Service Fee for at least the first statement period. After that, the Monthly Service Fee will apply unless you meet one of the ways to avoid the Monthly Service Fee each statement period (if applicable). (13) Proof of student status is required to avoid the monthly service fee; service fee may continue to be waived for students over 25 and over with a valid student ID. (14) Account must be co-owned by a parent/guardian. Parent/guardian account must be linked to the parent/guardian personal checking account with a sweep arrangement (excluding Customer Care and Student Checking Account).

Member FDIC