Important Security Reminder

Please do not share sensitive information by phone or text message. If you are ever unsure whether a communication is legitimate, contact Texas Heritage National Bank directly at (903) 645-2251. Remember: Texas Heritage National Bank will never ask for sensitive account or debit card information by phone or text message.

Texas Star Checking Account

Built to reward good banking habits.

Texas Star Checking is built to reward good banking habits with interest and no transaction fees when you meet a few simple qualifications.

With the right balance and activity, your everyday banking can do more for you.

It’s a smart choice for customers who want to earn interest without giving up flexibility.

Open an Account  ↗  Find a Branch 



Is Texas Star Checking Right for You?

This account may be a good match if you:

  • Prefer digital banking and eStatements
  • Want a checking account that earns interest
  • Keep a moderate balance and make regular purchases with your debit card


Account Features

  • No transaction fees
  • Free online banking and mobile app
  • Free eStatements
  • Debit card included
  • FDIC insured


Interest Details

Interest begins accruing on balances of $0.01 or more. Tiered interest rates apply for balances up to and over $25,000. Interest is compounded and paid monthly.

To earn interest, you must meet the following requirements:

  • Receive $1,000 or more in direct deposits per statement cycle
  • Minimum of 15 debit card transactions per statement cycle
  • Be enrolled in both online banking and eStatements

See Current Rates


Account Requirements

Minimum to open: $100


Monthly Service Charge

$10 monthly service charge

Waived if:

  • You maintain a daily balance of $500 or more


Debit Transactions

Minimum of 15 debit card transactions per statement cycle  


Transaction Limits

None.


A Smarter Way to Bank Daily

Texas Star Checking rewards steady, responsible banking, so your account can do more while you go about your day.

Open an Account  ↗  Find a Branch