Services Available

  • Personal Customer Service
  • Free 24 Hour Telephone Banking Service (903) 322-3636 Or (903) 322-3737
  • Bank By Mail
  • Mastercard Debit Cards
  • Mastercard Reward Program
  • ATM Machine
  • Notary
  • Fax
  • Business Loans
  • Consumer Loans
  • Real Estate Loans
  • Night Depository
  • Draft Collection
  • Merchant Program
  • Safe Deposit Boxes

    (The FDIC does not insure Safe Deposit Box Contents.)

  • Cashiers Checks
  • Wire Transfers
  • Internet Banking
  • Bill Pay
  • E-Statements
  • Mobile Banking

Overdraft Protection

Be Prepared

Federal Regulations will affect the way we pay overdrafts on ATM and debit transactions. To continue to have access to your overdraft protection, simply tell us "Yes" you'd like to opt-in.

There is no fee to opt-in to the protection. You will only incur a fee if we cover an overdraft for you. You only need to opt-in one time and you can opt-out at any time.

Whether you need it or not, it's nice to know you're protected.
Choose "Yes" to opt-in and continue to enjoy the same overdraft coverage you've had all along.

For questions or to discuss your options, see your banker for details!