Lone Star National Bank



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What is the Lone Star National Bank Star Gift Card?
The Star Gift Card is a VISA prepaid card that can be used to purchase gifts and services anywhere VISA debit cards are accepted.

How is my Star Gift Card different from other gift cards and/or gift certificates?
Your Star Gift Card is a VISA prepaid card that can be used anywhere VISA debit cards are accepted.  Store gift cards or gift certificates limit you to purchasing only at the specific store of issuance.

Is my Star Gift Card a credit Card?
No, your Star Gift Card is a prepaid VISA card with the value of any amount you select between $20 and $500.

Is my Star Gift Card FDIC insured?
No.  The value of your Star Gift Card is maintained with us in an aggregate account in our name, and there is no FDIC insurance to your benefit.

How much money can I put on my Star Gift Card?
You can purchase Star Gift Cards in any dollar amount you choose from a $20 minimum to a maximum of $500.

Can I give a Star Gift Card to someone under the age of 18?
Yes, you can give a Star Gift Card to anyone of any age.

How do I purchase a Star Gift Card?
You can purchase a Star Gift Card by visiting one of our conveniently located banking centers.  At the time the Star Gift Card is issued, a $2.00 issuance fee will be assessed. Click HERE to find a banking center near you.

Can I buy a Star Gift Card for myself?
Yes. A Star Gift Card can be a useful tool for someone wanting to manage his or her spending budget. 

What if I want to buy something that costs more than the value of my Star Gift Card?

The value of your Star Gift Card can be combined with cash or check when you are making a purchase.  At the option of each merchant, the value of your Star Gift Card may also be combined with a credit or debit card when you are making a purchase.  If you will be using your Star Gift Card to make a purchase that is greater than the amount on the card, tell the cashier that you would like to pay the difference first and then use your card to pay the remaining balance.  Otherwise, if you try to make a purchase for more than the amount on the Star Gift Card, the transaction will be declined because you don’t have enough money on your Star Gift Card.  Keep track of your Star Gift Card balance so that you can avoid making purchases for more than the amount remaining on the Star Gift Card.

To check the balance on your Star Gift Card or your transaction history:
Visit https://www.onlinecardaccess.com/stargiftcards to track your balance or transaction history at no cost.  Alternatively, you can call the toll-free number, 1-888-330-6598, anytime, 24 hours a day, to make automated balance or transaction history inquiries.  Your first telephonic balance or transaction history inquiry per calendar month is free.  At the time of each subsequent telephonic balance or transaction history inquiry during any calendar month, a $1.00 charge per inquiry will be assessed against the balance of your Star Gift Card.  If you at any time choose to speak to a live customer service representative during a telephone inquiry, an additional $5.00 fee will be assessed.  A new month-long period will be deemed to begin on the one-month anniversary of the previous inquiry.  Make sure you have the 16-digit and 3 digit code on the back of the card.

Can I use my Star Gift Card at more than one merchant?
Yes, you can use your Star Gift Card at more than one merchant as long as there are sufficient funds remaining on the Star Gift Card.

Can I add more money to my Star Gift Card?
No, your Star Gift Card is an instant issue disposable card.  You can purchase another Star Gift Card by visiting any one of our conveniently located branches.

How long will my Star Gift Card be valid?
Your Star Gift Card expires on the date printed on the front of the card.  A monthly maintenance fee of $2.50 per month will be deducted from your balance beginning on the seven-month anniversary of the date the Star Gift Card was activated.

What happens when I spend all the funds on my Star Gift Card?
Your Star Gift Card will no longer be accepted as a form of payment when your balance reaches a $0 balance or when you reach your expiration date.

Can I use my Star Gift Card at gas stations?

Yes, but, at gas stations with a “pay at the pump” capability, your Star Gift Card cannot be authorized directly at the pump. You must present your Star Gift Card to the attendant for payment and sign the sales receipt to complete the transaction

Why do I sometimes have problems spending my Star Gift Card at restaurants, hair and nail salons, when I have enough money left on my Star Gift Card to cover the bill for food/service?

When using your Star Gift Card in restaurants, drinking establishments, and hair and nail salons, please keep in mind the proprietor may secure an authorization/approval on your card for an amount up to 25% more than the total bill.  This is done to take into account a tip/gratuity; however, only the amount you authorize will be deducted from the value on the card.  This type of authorization can also occur at hotels and car rental agencies to take into account incidentals that may exceed the actual price of the room/car/etc.

What happens if I need to return something I purchased with my Star Gift Card?
Returns are subject to the policies of the individual store where you purchased the merchandise, but most stores will be able to process a return like they would other transactions.

How can I check the balance on my Star Gift Card or my transaction history?
To check the balance on your Star Gift Card or your transaction history: 
Visit https://www.onlinecardaccess.com/stargiftcards to track your balance or transaction history at no cost.  Alternatively, you can call the toll-free number, 1-888-330-6598, anytime, 24 hours a day, to make automated balance or transaction history inquiries.  Your first telephonic balance or transaction history inquiry per calendar month is free.  At the time of each subsequent telephonic balance or transaction history inquiry during any calendar month, a $1.00 charge per inquiry will be assessed against the balance of your Star Gift Card.  If you at any time choose to speak to a live customer service representative during a telephone inquiry, an additional $5.00 fee will be assessed.  A new month-long period will be deemed to begin on the one-month anniversary of the previous inquiry.  Make sure you have the 16-digit and 3 digit code on the back of the card.

Can I get cash advances with my Star Gift Card?
Yes. You may effect a cash withdrawal from your Star Gift Card at any Lone Star National Bank cash advance location (but not an ATM), less a cash advance fee of $10.00.  You can also use the Star Gift Card to access cash at any other financial institution that accepts Visaâ debit cards for cash access transactions, subject to any fees imposed by the other financial institution.

Can I use my Star Gift Card at an ATM machine?
No, your Star Gift Card is not eligible to be used at an ATM machine.  Your Star Gift Card is accepted by VISA merchants who accept VISA debit cards.