Frisco • Dallas • Fort Worth

Personalized Options Built For Your Lifestyle

Choose the checking account that aligns with your financial goals, backed by local service and complete digital access.

Max Cash Checking:

Max Cash Qualification Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. At least 1 ACH payment or credit transaction, 12 debit card purchases & be enrolled in e-statements. The following activities do not count toward earning account rewards:  ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by First Lonestar Bank as ATM transactions, and purchases made with debit cards not issued by First Lonestar Bank bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. "Monthly Qualification Cycle" means the current statement cycle. Contact an FLB Associate for specific Monthly Qualification Cycle dates.

Reward Information: When your Max Cash account qualifications are met during a Monthly Qualification Cycle, average daily balances below $25,000 in your Max Cash account earn an interest rate of 4.97%, resulting in an APY of 5.10%; and average daily balances of $25,000.00 and above earn an interest rate of 0.50% on the portion of the average daily balance over $24,999.99, resulting in a range from 5.10% to 1.42% APY depending on the account's average daily balance. You will receive reimbursements up to an aggregate total of $20 for nationwide ATM withdrawal fees incurred within your Max Cash account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. NOTE: ATM fee reimbursements only apply to Max Cash transactions via ATM; Max Saver ATM transaction fees are not reimbursed nor refunded.

When your Max Cash qualifications are not met, the interest rate earned on the account's entire average daily balance will be 0.05% resulting in an annual percentage yield of 0.05% and ATM withdrawal fees are not refunded. Interest will be credited to your Max Cash account on the following statement cycle's first processing/business day. Nationwide ATM withdrawal fee reimbursements will be credited to your account on the first processing/business day of the following statement cycle. APY = Annual Percentage Yield. APYs accurate as of 12/1/2025. Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings.

Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $50 minimum deposit is required to open the account. One (1) Max Cash account per household. There are no recurring monthly maintenance charges or fees to open or close this account. Advertised information and rewards are based on all account qualifications being met during each cycle period. Contact an FLB Associate for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Member FDIC.

Max Cash Back Checking:

Max Cash Back Qualification Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. At least 1 ACH payment or credit transaction, 12 debit card purchases & be enrolled in e-statements. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by First Lonestar Bank as ATM transactions, and purchases made with debit cards not issued by First Lonestar Bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. “Monthly Qualification Cycle” means the current statement cycle. Contact an FLB Associate for specific Monthly Qualification Cycle dates.

Reward Information: When Max Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive 6.00% cash back, on up to a total of $200.00 on PIN-based/signature-based First Lonestar Bank VISA® Debit Card purchases that post and settle to the account during that cycle period. A maximum of $12.00 cash back may be earned per Monthly Qualification Cycle. You will also receive reimbursements up to an aggregate total of $20 for nationwide ATM withdrawal incurred within your Max Cash Back account during the Monthly Qualification Cycle in which you qualified. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. NOTE: ATM fee reimbursements only apply Max Cash Back, via ATM; Max Saver ATM transaction fees are not reimbursed nor refunded. APY = Annual Percentage Yield. APYs accurate as of 11/1/25. When Max Cash Back qualifications are not met, no cash back payments are made and ATM fees are not refunded. Cash back payments and ATM fee reimbursements will be credited to your Max Cash Back account on the first processing business day of the following statement cycle. Rates, rewards and bonuses, if any, are variable and may change after account is opened; rates may change without notice to you. No minimum balance is required to earn to receive the account’s rewards. Rewards less than a penny cannot be distributed.

Additional Information: Account approval, conditions, qualifications, limits, time frames, enrollments, log-ons and other requirements apply. A $50 minimum deposit is required to open the account. One (1) Max Cash Back account per Social Security Number. There are no recurring monthly maintenance charges or fees to open. Contact an FLB Associate for additional information, details, restrictions, processing limitations and enrollment instructions. Member FDIC.

Premier Checking:

^{*Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. There are no recurring monthly maintenance charges or fees for opening or closing this account. Contact an FLB Associate for additional information, account details, fee schedule, restrictions, processing limitations, and statement cycle dates.}

²Wireless carrier data rates may apply.

³Please Note: Paid Item Fees and Return Item Fees apply to items created by check, in-person withdrawals, and electronic means. Inadvertent overdrafts caused by ATM and one-time debit card transactions are excluded.

Freedom Checking:

¹Fees may reduce earnings. Interest rates are subject to change.

²Wireless carrier data rates may apply.

³Please Note: Paid Item Fees and Return Item Fees apply to items created by check, in-person withdrawals, and electronic means. Inadvertent overdrafts caused by ATM and one-time debit card transactions are excluded.