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Smart Choice Checking
Includes LSNB Rewards! Includes LSNB Rewards!
Open Account
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Our Smart Choice Checking account is designed for individuals seeking to save money on everyday purchases and receive rewards.
Account Details
  • Cell Phone Protection
    Cell Phone Protection (1,2)

    Receive Up to $600 Per Claim ($1,200 Per Year) if Your Cell Phone is Broken or Stolen

  • Roadside Assistance
    Roadside Assistance

    Up to $80 in Covered Service Charges, Available 24/7


  • Buyers Protection & Extended Warranty
    Buyers Protection & Extended Warranty (1,2)

    Newly Purchased Items are Protected for Up to $2,500 Per Item if Theft or Accidental Breakage Occurs During the First 180 Days of Purchase

  • $10,000 Accidental Death Insurance
    $10,000 Accidental Death Insurance (2)


  • Local Merchant Discounts
    Local Merchant Discounts

    Savings on Travel, Entertainment, Dining, Groceries, Clothing and More

  • Health Savings Card
    Health Savings Card

    Save Money on Prescriptions, Eye Exams, Frames, Lenses and Hearing Services


  • Personal Identity Theft & Restoration
    Personal Identity Theft & Restoration (1,2)

    Includes Payment Card Fraud Resolution, $2,500 in Personal Identity Theft Benefit and Identity Restoration

  • Cashier Checks or Money Orders
    Cashier Checks or Money Orders

    Total of Two (2) Per Visit


  • Notary Signature Services
    Notary Signature Services

  • Internet Banking
    Internet Banking (4)

    Yes


  • Unlimited Bill Pay
    Unlimited Bill Pay (4)

    Must be a current Internet Banking customer to have access to Unlimited Bill Pay at no cost.

  • ATM or Visa® Debit Card
    ATM or Visa® Debit Card (5)

    ATM or VISA® Debit cards are available upon request.


  • ATM Deposits & Withdrawals
    ATM Deposits & Withdrawals (6)

    ATM withdrawals at Lone Star National Bank ATMs and Allpoint Network ATMs at no charge. Fees may apply at other bank ATMs.

  • Allpoint ATM Network
    Allpoint ATM Network (7)

    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.


  • 24-Hour Phone Banking
    24-Hour Phone Banking (4)

    Yes

  • eStatements
    eStatements (4)

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


  • SMS Text Banking
    SMS Text Banking (5)

    Available to LSNB Mobile™ app users.

  • Person to Person Payments
    Person to Person Payments (8)

    Available to LSNB Mobile™ app users.


  • Bank to Bank Transfers
    Bank to Bank Transfers (9)

    Available to Internet Banking and LSNB Mobile™ app users.

  • Mobile Deposit
    Mobile Deposit (8)

    Available to LSNB Mobile™ app users.


  • LSNB Card Manager™
    LSNB Card Manager™ (4)

    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
    Apple Pay/Google Pay/Samsung Pay (10)

    Requires enrollment through Mobile Wallet app.


  • Minimum Initial Deposit
    Minimum Initial Deposit

    $50

  • Service Fee
    Service Fee

    $6 Monthly fee


  • Paper Statement Fee
    Paper Statement Fee

    Waive $3 Monthly Paper Statement Fee by Enrolling in eStatements

  • Statement Cycle
    Statement Cycle

    Monthly

Service available. Certain conditions apply. LSNB Rewards powered by BaZing benefit.

(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 current rates, visit one of our Banking Centers or call 1-800-580-0322. Rates are subject to change at Bank’s discretion. (4) Internet Banking, Unlimited Bill Pay, LSNB Mobile™, LSNB Card Manager™ 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. (5) ATM or Visa® Debit cards are available upon request. (6) ATM withdrawals at Lone Star National Bank ATMs and Allpoint Network ATMs at no charge. Fees may apply at other bank ATMs. (7) Surcharge-free ATMs. Visit allpointnetwork.com or download the Allpoint app to find an Allpoint ATM. Available through the Apple, Google or Windows store. (8) Available to LSNB Mobile App users. (9) Bank to Bank transfers are available to Internet Banking and LSNB Mobile™ App users. (10) Requires enrollment through Mobile Wallet App.

Other account and service fees may apply. Fees are subject to change at the Bank’s discretion.

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