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Commercial Checking
For businesses that need more.
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The Commercial Checking account is designed for every business with extensive banking needs.

Account Details
  • Internet Banking (1)

    Yes

  • VISA® Business Debit Card (2)

    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.


  • ATM Deposits & Withdrawals (3)

    Yes

  • Allpoint ATM Network (4)

    Surcharge-free ATMs. Visit allpointnetwork.com or download the Allpoint app to find an Allpoint ATM. Available through the App Store, Google Play, or Microsoft Store.


  • Unlimited Bill Pay (1)

    Free Unlimited Bill Pay through Internet Banking.

  • 24-Hour Phone Banking

    Yes


  • eStatements (1)

    Must be a current Internet Banking customer. Select the option to receive your eStatement by registering through Internet Banking.

  • LSNB Mobile™ (1)

    Requires Web access and access fees may be charged by your mobile carrier; check with your mobile provider for specific details on the fees and charges.


  • SMS Text Banking (5)

    Available to LSNB Mobile™ app users.

  • Person to Person Payments (5)

    Available to LSNB Mobile™ app users.


  • LSNB Card Manager™ (1)

    Must be a current Internet Banking customer. 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.

  • Apple Pay/Google Pay/Samsung Pay (6)

    Requires enrollment through Mobile Wallet app.


  • Night Depository Services

    Yes

  • Office Banker™ (7)

    Yes


  • ACH Origination (7)

    Yes

  • Positive Pay (7)

    Yes


  • Merchant Card Services (7)

    Yes

  • Account Reconciliation (7)

    Yes


  • CD-ROM Statement (7)

    Yes

  • Account Analysis (8)

    Yes


  • Minimum Initial Deposit

    $1,000

  • Service Fee

    Account Analysis Service Fees apply. Maintenance Fee $10.


  • Paper Statements (10)

    $3 per Statement Cycle

  • Statement Cycle

    Monthly


  • Transaction Limitations

    $0.12 per item fee. Items include debits and credits.

Service available. Certain conditions apply.

(1) Internet Banking, Unlimited Bill Pay, LSNB MobileTM, and eStatements require enrollment in Internet Banking. LSNB MobileTM 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. (2) ATM or Visa® Business Debit Card monthly fee of $1.00. In the case of multiple ATM or Visa® Business Debit Cards linked to a single account, a maximum of $2.00 per account, per month will be charged. ATM or Visa® Business Debit Cards are available upon request. (3) ATM withdrawals at Lone Star National Bank ATMs and Allpoint Network ATMs at no charge. Fees may apply at other bank ATMs. (4) Surcharge-free ATMs. Visit allpointnetwork.com or download the Allpoint app to find an Allpoint ATM. Available through the Apple, Google or Windows store. (5) Available to LSNB MobileTM App users. (6) Requires enrollment through Mobile Wallet App. (7) Cash Management services such as ACH Origination, Positive Pay, Merchant Card Services, Account Reconciliation, CD-ROM Statements and Office BankerTM are available for business checking accounts. Certain fees and conditions apply. Approval may be required. (8) 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 earnings credit is used to reduce or eliminate account fees. The earnings credit is calculated based on the 90 day Treasury Bill as posted in the Wall Street Journal. The earnings credit rate is a variable rate that may change at our discretion as often as daily. (9) For current rates please visit one of our Banking Centers or call 1-800-580-0322. Rates are subject to change at Bank’s discretion. (10) $3.00 monthly paper statement fee or eStatement at no charge. Paper statements do not include check copies or images. Free check images are provided with Internet Banking. (11) 200 items per statement cycle at no charge. Excess items are $.175 each. Items include Debits and Credits. Should your account exceed 200 items per statement cycle for three consecutive months, the bank has the discretion to convert your LSNB Business Checking account to a Commercial Checking account.
Other account and service fees may apply. Account fees are subject to change without notice.

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