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About
Providing comprehensive depository and lending products, our services are delivered with a "high touch" personalized approach.  Lone Star is committed to providing superior responsiveness and value to our customers through creative flexible solutions to banking needs, as well as quick answers to questions and requests.
Locations
Whether you live in the South Plains or call the Permian Basin Home, Lone Star State Bank has locations serving the greater West Texas Region.
Select a Location
 ►Lubbock  
 ►Midland  
 ►Odessa 
 ►Big-Spring 
►Brownfield 
6220 Milwaukee Avenue
Lubbock, TX  79424
1004 N. Big Spring
Suite 100
Midland, TX 79701
2975 JBS Parkway
Odessa, TX 79762
600 E FM 700
Big Spring, TX 79720
301 W Main
Brownfield, TX  79316
Hours
Lobby
Mon - Fri
9:00AM - 4:00PM
 
Drive Thru
Mon - Fri
8:00AM - 6:00PM
Hours
Lobby
Mon - Fri
9:00AM - 4:00PM
 
Drive Thru
Mon - Fri
9:00AM - 4:00PM
Hours
Lobby
Mon - Fri
9:00AM - 3:00PM
 
Drive Thru
Mon - Fri
8:00AM - 6:00PM
Hours
Lobby
Mon - Fri
9:00AM - 4:00PM
 
Drive Thru
Mon - Th
9:00AM - 4:00PM
Friday
Until 5:00PM
Hours
Lobby
Mon - Fri
9:00AM - 4:00PM
 
Drive Thru
Mon - Fri
8:30AM - 5:30PM
Saturday
9:00AM - Noon
806-771-7717
806-771-7716 Fax
 
>Directions
 
ATM - Yes
432-617-4717
432-617-4723 Fax
 
>Directions
 
ATM - No
432-617-7717
432-617-7718 Fax
 
>Directions
 
ATM - Yes
432-264-7717
432-264-7894 Fax
 
>Directions
 
ATM - Yes
806-637-2531
806-637-9246 Fax
 
>Directions
 
ATM - Yes
Products
The banking solutions we offer will give you that personal touch along with the technology you expect.  From our checking, savings and money market accounts to our award winning electronic banking services, we've got you covered!
 ►Personal  
►Commercial 
Checking
Freedom Checking
►Minimum to Open: $500
►No Required Average Daily Balance
►No Monthly Service Fee
►Unlimited Transactions
►Free Initial Order of Checks (Wallet bank stock checks only, no duplicates)
Smart Checking
►Minimum to Open: $500
►$500 Average Daily Balance required to avoid monthly service fee of $5
►Unlimited Transactions
►Free Initial Order of Checks (Wallet bank stock checks or duplicates)
►Free Check Images
Interest Checking
►Minimum to Open: $1,000
►$1000 Average Daily Balance required to avoid monthly service fee of $10
►Unlimited Transactions
►Free Initial Order of Checks (Wallet bank stock checks or duplicates)
►Free Check Images
►Free Cashier's Checks
►Interest Compounded Daily, Paid Monthly*
 
*Interest Tiers:
Tier 1 - $0 to $24,999.99
Tier 2 - $25,000 to $99,999.99
Tier 3 - $100,000 to $249,999.99
Tier 4 - $250,000 to $999,999.99
Tier 5 - $1,000,000 or more
Elite Checking (55+)
►Minimum to Open: $100
►$250 Average Daily Balance required to avoid monthly service fee of $5
►Unlimited Transactions
►Free Checks (Wallet bank stock checks or duplicates)
►Free Check Images
►Free Cashier's Checks
Lone Star Connection
►Minimum to Open: $2,500
►$50,000 Average Daily Combined Balance required to avoid monthly service fee of $15
►Unlimited Transactions
►Free Checks (Wallet bank stock checks, duplicates, or customer creations checks)
►Free Check Images
►Free Cashier's Checks
►Interest Compounded Daily, Paid Monthly*
►Eligible to Apply for Preferred Credit Card
►Combined Statements Available
►Free Account Statement Printouts
►Free Zipper Bag
 
*Interest Tiers:
Tier 1 - $0 to $4,999.99
Tier 2 - $5,000 to $24,999.99
Tier 3 - $25,000 to $49,999.99
Tier 4 - $50,000 to $99,999.99
Tier 5 - $100,000 or more
Student Checking
►Minimum to Open: $100
►No Minimum Balance Required
►No Monthly Service Fee
►Unlimited Transactions
►Free Initial Order of Checks (School logo checks, wallet bank stock checks, or duplicates)
Free Commercial
►Minimum to Open: $500
►No Required Average Daily Balance
►No Monthly Service Fee
►100 Free Transactions, then .20 per item
►Free Initial Order of Checks (Wallet bank stock checks only, no duplicates)
►Free Initial Order of Deposit Tickets (Padded deposit tickets, no duplicates)
►Online Bill Pay ($5.75 for 10 items then .50 each addtional item)
Regular Commercial
►Minimum to Open: $500
►$1,000 Average Daily Balance required to avoid monthly service fee of $10
►400 Free Transactions, then .15 per item
►Free Check Images
►Free Deposit Tickets (Padded, no duplicates)
►Online Bill Pay ($5.75 for 10 items then .50 each additional item)
Commercial Interest
►Minimum to Open: $1,500
►$1,500 Average Daily Balance required to avoid monthly service fee of $15
►100 Free Transactions, then .25 per item
►Free Check Images
►Free Deposit Tickets (Padded, no duplicates)
►Online Bill Pay ($5.75 for 10 items then .50 each additional item)
►Interest Compounded Daily, Paid Monthly*
►If night drop customer, 1 free locked zipper bag and 2 night drop keys
 
*Interest Tiers:
Tier 1 - $0 to $24,999.99
Tier 2 - $25,000 to $99,999.99
Tier 3 - $100,000 to $249,999.99
Tier 4 - $250,000 to $999,999.99
Tier 5 - $1,000,000 or more
Commercial Analysis
►Minimum to Open: $500
►No Required Average Daily Balance
►$10 Monthly Fee Plus Analysis Fees
►Free Check Images
►Free Deposit Tickets (Padded, no duplicates)
►Online Bill Pay ($5.75 for 10 items then .50 each additional item)
Savings and MMA
Money Market
►Minimum to Open: $2,500
►$2,500 Average Daily Balance Required to avoid monthly service fee of $12
►6 Free Debit Transactions Per Month
►$10 Excess Transaction Fee
►Free Check Images
►Free Online Banking
►Free E-Statements
►Free Checks (Wallet bank stock checks only, no duplicates)
►Interest Compounded Daily, Paid Monthly*
 
*Interest Tiers:
Tier 1 - $0 to $24,999.99
Tier 2 - $25,000 to $99,999.99
Tier 3 - $100,000 to $249,999.99
Tier 4 - $250,000 to $999,999.99
Tier 5 - $1,000,000 or more
Regular Savings
►Minimum to Open: $100
►$100 Average Daily Balance Required to avoid monthly service fee of $2
►3 Free Debit Transactions Per Month
►$10 Excess Transaction Fee
►Free Online Banking
►Free E-Statements
►Interest Compounded Daily, Paid Quarterly*
 
*Interest Tiers:
Below $100 - no interest earned
Tier 1 - $100 to $4,999.99
Tier 2 - $5,000 to $9,999.99
Tier 3 - $10,000 to $24,999.99
Tier 4 - $25,000 to $49,999.99
Tier 5 - $50,000 or more
Colt Savings (under 18)
►Minimum to Open: $25
►No Average Daily Balance Required
►No Monthly Service Fee
►2 Free Debit Transactions Per Month
►$10 Excess Transaction Fee
►Free Online Banking
►Free E- Statements
►Interest Compounded Daily, Paid Quarterly*
 
*Interest Tiers:
Below $100 - no interest earned
Tier 1 - $100 to $4,999.99
Tier 2 - $5,000 to $9,999.99
Tier 3 - $10,000 to $24,999.99
Tier 4 - $25,000 to $49,999.99
Tier 5 - $50,000 or more
Money Market
►Minimum to Open: $2,500
►$2,500 Average Daily Balance Required to avoid monthly service fee of $12
►6 Free Debit Transactions Per Month
►$10 Excess Transaction Fee
►Free Check Images
►Free Online Banking
►Free E-Statements
►Free Checks (Wallet bank stock checks only, no duplicates)
►Interest Compounded Daily, Paid Monthly*
 
*Interest Tiers:
Tier 1 - $0 to $24,999.99
Tier 2 - $25,000 to $99,999.99
Tier 3 - $100,000 to $249,999.99
Tier 4 - $250,000 to $999,999.99
Tier 5 - $1,000,000 or more
Savings
►Minimum to Open: $100
►$100 Average Daily Balance Required to avoid monthly service fee of $2
►3 Free Debit Transactions Per Month
►$10 Excess Transaction Fee
►Free Online Banking
►Free E-Statements
►Interest Compounded Daily, Paid Quarterly*
 
*Interest Tiers:
Below $100 - No interest earned
Tier 1 - $100 to $4,999.99
Tier 2 - $5,000 to $9,999.99
Tier 3 - $10,000 to $24,999.99
Tier 4 - $25,000 to $49,999.99
Tier 5 - $50,000 or more
CDs and IRAs
Fixed Rate CD
►Minimum to Open: $1,000
►Terms: 1, 3, 6, 12, 18, 36, & 60 Months
►Early Withdrawal Penalty - 50% of the total interest accrued over the term of the CD
►Additional Deposits Allowed
►Automatic Renewal
►10 Day Grace Period After Maturity to Withdraw Without Penalty
►Interest Compounded Quarterly, Paid Quarterly
Jumbo Fixed Rate CD
►Minimum to Open: $100,000
►Terms: 1, 3, 6, 12, 18, 36, & 60 Months
►Early Withdrawal Penalty - 50% of the total interest accrued over the term of the CD
►Additional Deposits Allowed
►Automatic Renewal
►10 Day Grace Period After Maturity to Withdraw Without Penalty
►Interest Compounded Quarterly, Paid Quarterly
Flex Fixed Rate CD
►Minimum to Open: $5,000
►Term: 18 Months
►1 Withdrawal Allowed Without Penalty
►Early withdrawal penalty of 50% of the total interest accrued over the term of the CD on withdrawals over 1
►Additional Deposits Allowed
►Automatic Renewal
►10 Day Grace Period After Maturity to Withdraw Without Penalty
►Interest Compounded Quarterly, Paid Quarterly
IRA Options*
►Fixed Rate IRA
►Jumbo Fixed Rate IRA
*Contact us for more IRA details
CDs
Fixed Rate CD
►Minimum to Open: $1,000
►Terms: 1, 3, 6, 12, 18, 36, & 60 Months
►Early Withdrawal Penalty - 50% of the total interest accrued over the term of the CD
►Additional Deposits Allowed
►Automatic Renewal
►10 Day Grace Period After Maturity to Withdraw Without Penalty
►Interest Compounded Quarterly, Paid Quarterly
Jumbo Fixed Rate CD
►Minimum to Open: $100,000
►Terms: 1, 3, 6, 12, 18, 36, & 60 Months
►Early Withdrawal Penalty - 50% of the total interest accrued over the term of the CD
►Additional Deposits Allowed
►Automatic Renewal
►10 Day Grace Period After Maturity to Withdraw Without Penalty
►Interest Compounded Quarterly, Paid Quarterly
Flex Fixed Rate CD
►Minimum to Open: $5,000
►Term: 18 Months
►1 Withdrawal Allowed Without Penalty
►Early withdrawal penalty of 50% of the total interest accrued over the term of the CD on withdrawals over 1
►Additional Deposits Allowed
►Automatic Renewal
►10 Day Grace Period After Maturity to Withdraw Without Penalty
►Interest Compounded Quarterly, Paid Quarterly
Loans
►Installment Loans
►Auto Loans
►Real Estate Loans
►Commercial Loans
►Real Estate Loans
►Energy Loans
►Agriculture Loans
►Agribusiness Loans
►Other-Services
Online Banking
►Personal Online Banking

Watch Our Online Banking Video
►Personal Mobile Banking

Watch Our Mobile Banking Video
►Mobile Deposit
 
Watch Our Mobile Deposit Video
►Personal Online Bill Pay

Watch Our Online Bill Pay Video
►External Transfers

Watch Our External Transfers Video
Treasury Management
►Business Online Banking

Watch Our Business Online Banking Video
►Business Mobile Banking

Watch Our Business Mobile Video
►Business Mobile Deposit
 
Watch Our Business Mobile Deposit Video
►ACH Origination
 
Watch Our ACH Origination Video
►Wire Transfers
 
Watch Our Wire Transfer Video
►Remote Deposit Capture

Watch Our Remote Deposit Video
►Business Online Bill Pay

Watch Our Business Online Bill Pay Video
Debit Cards
►Debit Cards

Watch Our Cards Video
►Digital Wallet

Watch Our Digital Wallet Video
►CardValet
 
Watch Our Debit Card Controls Video
Additional Features
►E-Statements

Watch Our E-Statements Video
►Alerts
 
Watch Our Alerts Video


Our Mailing Address is
6220 Milwaukee Avenue
Lubbock, Texas 79424

Routing and Transit Number: 111325797

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Copyright Lone Star State Bank of West Texas 2019
Member FDIC - Equal Housing Lender