Lone Star National Bank


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Small Business
Checking
Commercial
Checking
NOW Business
Checking

Designed For:

Businesses with Low to Moderate Transaction Volume

Corporations and Businesses with High Transaction Volume

A NOW account for individuals, joint account holders, sole proprietorships and non-profit organizations seeking an interest bearing checking account

Internet Banking

Visa® Business Debit Card (1)1ATM or Visa® Debit card monthly fee of $1.00. In the case of multiple ATM or Visa® Debit cards linked to a single account, a maximum of $2.00 per account, per month will be charged. ATM or Visa® Debit cards are available upon request.

ATM Deposits

Unlimited Bill Pay (2)2Free Unlimited Bill Pay through Internet Banking.

24-Hour Phone Banking

e-Statement (3)3Must be a current Internet Banking customer. Select the option to receive your e-Statement by registering through Internet Banking.

LSNB Mobile™ (4)4You will be charged access rates by your carrier. Web access is needed to use LSNB Mobile™. Check with your service provider for details on specific fees and charges. Must be a current Internet Banking customer. Enroll in mobile banking through Internet Banking.

Night Depository Services

ACH Origination (5)5Cash Management services such as ACH Origination, Positive Pay, Merchant Card Services, Account Reconciliation and CD-ROM Statements are available for business checking accounts. Certain fees and conditions apply.

Positive Pay (5)5Cash Management services such as ACH Origination, Positive Pay, Merchant Card Services, Account Reconciliation and CD-ROM Statements are available for business checking accounts. Certain fees and conditions apply.

Merchant Card Services (5)5Cash Management services such as ACH Origination, Positive Pay, Merchant Card Services, Account Reconciliation and CD-ROM Statements are available for business checking accounts. Certain fees and conditions apply.

Account Reconciliation (5)5Cash Management services such as ACH Origination, Positive Pay, Merchant Card Services, Account Reconciliation and CD-ROM Statements are available for business checking accounts. Certain fees and conditions apply.

CD-ROM Statement (5)5Cash Management services such as ACH Origination, Positive Pay, Merchant Card Services, Account Reconciliation and CD-ROM Statements are available for business checking accounts. Certain fees and conditions apply.

Account Analysis (6)6Account analysis is used to determine the monthly fee for a Commercial Checking Account. Account analysis is a method used to compensate commercial accounts for collected balances in the form of a monthly earnings credit. The earning credit is used to reduce or eliminate account fees. The earnings credit is calculated based on the 90 day Treasury Bills as posted in the Wall Street Journal plus .25 basis points. The earnings credit rate is a variable rate that may change at our discretion as often as daily.

N/A

N/A

Minimum Initial Deposit

$300

$1,000

$100

Minimum Balance Required (8)8Minimum balance required to avoid monthly service fee.

Monthly Service Fee Applies

Account Analysis Service Fees Apply

$1,200

Monthly Service Fee

$7.50 if Daily Balance is $1,500 and Above. $10 if Daily Balance is Below $1,500.

Account Analysis Service Fees Apply (6)6Account analysis is used to determine the monthly fee for a Commercial Checking Account. Account analysis is a method used to compensate commercial accounts for collected balances in the form of a monthly earnings credit. The earning credit is used to reduce or eliminate account fees. The earnings credit is calculated based on the 90 day Treasury Bills as posted in the Wall Street Journal plus .25 basis points. The earnings credit rate is a variable rate that may change at our discretion as often as daily. Maintenance Fee $10

No Monthly Service Fee if Daily Balance is $1,200 and Above. $15 if Daily Balance is Below $1,200.

Interest Bearing

N/A

N/A

Yes, if Daily Collected Balance is Above $1,200.

Statement Cycle

Monthly Truncated Statement

Monthly Imaged Statement

Monthly Imaged Statement

Transaction Limitations

400 items FREE per statement cycle. Excess Items are $.12 each. Items include Debits and Credits. (9)9Should your account exceed the 400 items FREE per statement cycle for three consecutive months, the bank has the discretion of converting your Small Business Checking account to a commercial checking.

$.12 Per Item Fee. Items include Debits and Credits.

200 items FREE per statement cycle. Excess Items are $.12 each. Items include Debits and Credits.

(1) ATM or Visa® Debit card monthly fee of $1.00. In the case of multiple ATM or Visa® Debit cards linked to a single account, a maximum of $2.00 per account, per month will be charged. ATM or Visa® Debit cards are available upon request. (2) Free Unlimited Bill Pay through Internet Banking. (3) Must be a current Internet Banking customer. Select the option to receive your e-Statement by registering through Internet Banking. (4) You will be charged access rates by your carrier. Web access is needed to use LSNB Mobile™. Check with your service provider for details on specific fees and charges. Must be a current Internet Banking customer. Enroll in mobile banking through Internet Banking. (5) Cash Management services such as ACH Origination, Positive Pay, Merchant Card Services, Account Reconciliation and CD-ROM Statements are available for business checking accounts. Certain fees and conditions apply. (6) Account analysis is used to determine the monthly fee for a Commercial Checking Account. Account analysis is a method used to compensate commercial accounts for collected balances in the form of a monthly earnings credit. The earning credit is used to reduce or eliminate account fees. The earnings credit is calculated based on the 90 day Treasury Bills as posted in the Wall Street Journal plus .25 basis points. The earnings credit rate is a variable rate that may change at our discretion as often as daily. (8) Minimum balance required to avoid monthly service fee. (9) Should your account exceed the 400 items FREE per statement cycle for three consecutive months, the bank has the discretion of converting your Small Business Checking account to a commercial checking.

Other account and service fees may apply. Please refer to our Truth In Savings Disclosure, Privacy Policy and Depository Agreement for further information.