A simple, high-yield savings account
in the North Dallas area
Key Features
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Automatic Savings
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Earn Interest
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No Monthly Service Charge
Automatic Savings
Earn Interest
No Monthly Service Charge
Get More on Your Everyday Savings
If you’re looking for a savings account rates in Frisco Texas, the Free Max Saver account at First Lonestar Bank offers competitive interest rates, no monthly fees, and a secure account that’s backed by the FDIC—from a local community bank that puts your needs first.
Why Choose a Savings Account?
When we say “free,” we mean it. There are no monthly fees with our FDIC insured Max Saver account, and you can earn a higher interest rate than you would with a basic savings account. There’s no monthly service charge and just a $50 minimum deposit to start an account.
Every account includes free digital banking services, including online banking and bill pay, E-statements, and mobile banking with check deposit so you can deposit a check without ever visiting a bank or an ATM. You can also link your free Max Saver account to your free Max Cash® or Max Cash Back® checking accounts for easy transfers. You could also set up automatic transfers to help you save.
What Makes the Max Saver Account Different?
Our Max Saver Account offers free rewards that reimburse you up to an aggregate total of $20 for nationwide ATM withdrawal fees against your account during a Monthly Qualification Cycle. The qualify each month, just enroll in eStatements, make at least 12 debit card purchases and have at least one ACH credit or ACH payment. If you don’t meet these qualifications, your account is still free. There is no minimum balance required to qualify for these rewards.
How to Get Started with a Savings Account at First Lonestar Bank
We make it easy to open an FDIC-insured savings account in Frisco, Texas and the North Dallas area. You can contact us online, call us at 469.389.3660 or visit our branch in Frisco, Texas today.
Frequently Asked Questions (FAQs)
How can I find out the interest rate on the Free Max Saver account?
You can view our rates here.
How do I qualify for the high-yield interest rate?
To earn your rewards, the following enrollments must be in place and all transactions and activities must post and settle to your MAX CASH or MAX CASH BACK account during each monthly qualification cycle:
- At least one ACH credit or ACH debit transaction
- At least 12 debit card purchases
- Be enrolled in and have agreed to receive e-statements rather than paper statements.
Can I link the Max Saver account to my checking account?
Yes. Max Saver links with your Max Cash or Max Cash Back Checking account to automatically transfer the dividends earned into your savings every month.
How is the interest calculated?
Interest is compounded monthly and will be credited to the account monthly.
Can I open a Max Saver account online?
Not at this time.
Is there a limit to how much I can deposit?
You can deposit up to $100,000 to earn the 2% APY, anything greater than $100,000 will earn 0.50% APY
Why Choose First Lonestar
At First Lonestar, we’re proud to serve North Texas with a different kind of banking experience—one rooted in genuine relationships, local decisions, and personal service. Our team goes above and beyond to support every customer, helping you reach your financial goals with care and clarity. You’ll also receive personalized service from a community-minded and locally run bank that’s FDIC insured.
Open A Free Max Saver Account Today
Start saving smarter with a high-yield savings account that’s built for you. We have many savings account options to choose from, so you’re sure to find one that fits your needs. Please contact us or visit our local branch in Frisco to get started. Proudly serving communities in Frisco, Plano, McKinney, Prosper, The Colony, Carrollton, North Dallas and Fort Worth.
Contact First Lonestar Bank to get started!
Call an FLB Associate at 469.389.3660 or visit our branch in Frisco, Texas, today!
Max Saver 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. "Monthly Qualification Cycle" means the current statement cycle. See myfirstlonestar.com or call an FLB Associate for specific Monthly Qualification Cycle dates.
Reward Information: When your linked Max Checking account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $100,000 in your Max Saver account earn an APY of 2% and daily balances over $100,000 earn an interest rate of 0.50% on the portion of the daily balance over $100,000, resulting in a range from 1.25% to 2% APY depending on the account's daily balance. When your linked Max checking account qualifications are not met, the entire daily balance in the Max Saver account earns an interest rate of 0.05% resulting in an annual percentage yield of 0.05% APY. Interest will be credited to your Max Saver account on the first processing/business day of the following statement cycle. APY = Annual Percentage Yield. APYs accurate as of 9/1/2025. 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. There are no recurring monthly maintenance charges or fees to open or close this account. A Max Cash Back or a Max Cash account is required to have a Max Saver account. A linked Max Saver account is required for automatic savings. One (1) Max Cash account per household. One (1) Max checking account per household. One (1) Max Cash Back per social security number. 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.
