Services Available

  • Personal Customer Service
  • Free 24 Hour Telephone Banking Service (903) 322-3636 Or (903) 322-3737
  • Bank By Mail
  • Consumer And Commercial Checking Accounts
  • Consumer And Commercial Savings Accounts
  • Mastercard Debit Cards
  • Mastercard Reward Program
  • ATM Machine
  • Notary
  • Fax
  • Mastercard And Visa Credit Cards
  • 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!

ScoreCard Rewards Program - AVAILABLE NOW!

ScoreCard Rewards gives you the flexibility to earn points redeemable for exciting awards. Earn points for every qualifying net dollar you spend using your MasterCard Debit Card with the credit (signature) option when making your purchase. Then, watch your Rewards points grow and turn your points into purchases for Gifts, Travel, or Experience awards!

How it Works:

  • Create your profile so you can log into your rewards account
  • View point balance, search and view awards, create wish lists, update your profile and more
  • Redeem points online for merchandise and travel awards
  • Use your cards for everyday purchases and watch your points add up quickly

Go to to create your User Name, Password, and Profile. You can also browse the catalog of merchandise without logging in.

Reward yourself, you deserve it!
Reward others, they'll love it!