Lone Star National Bank

Headquarters: Pharr, Texas
Charter: Bank
Assets: $3.3B
Fed district: Dallas

22 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 15, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Student Checking
Lone Star National Bank: $10
Lone Star National Bank: $10
U.S. median: no median
Overdraft (OD)
Lone Star National Bank: $35.99
Lone Star National Bank: $35.99
U.S. median: no median
NSF / Returned Item
Lone Star National Bank: $35.99
Lone Star National Bank: $35.99
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 15, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Texas, the Dallas district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Texas: Banks and credit unions headquartered in Texas that publish the fee.
Dallas district: Banks and credit unions headquartered in the Dallas Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from Lone Star National Bank’s own schedules, with a source for each figure.

Account Maintenance

Monthly fee$10
per month
Account Closing Fee (Within 180 Days of Opening) (audience not stated, treated as personal)$25
Account Inactivity Fee (audience not stated, treated as personal)$10
Wire Confirmation (Email, Call Back, or Fax) (audience not stated, treated as personal)$5
Paper Statement (audience not stated, treated as personal)$3
Returned Mail$10
per month

Overdraft & NSF

Overdraft Item Fee - Paid$35.99
Returned Item Fee - Returned Unpaid$35.99

ATM & Card

Non-LSNB ATM Network Usage Fee$2
per transaction
Card Replacement$5
International Transaction Fee (audience not stated, treated as personal)3%of the transaction

Wire Transfers

Wire Transfers DOMESTIC WIRES: Outgoing (audience not stated, treated as personal)$30
Wire Transfers DOMESTIC WIRES: Incoming (audience not stated, treated as personal)$15

Check Services

Cashier's Checks in Lieu of On Us Items (Non-Customers)$10
per item
Declaration of Loss Cashier's Checks$10
Monetary: Cashier's Checks (Customers Only)$10
per item
Money Order (Customers Only)$5
per item
Stop Payment (Per Item)$35
per item
Stop Payment (Range of Checks)$50
Zelle® Stop Payment (Per Item) (audience not stated, treated as personal)$10
per item
Temporary Checks$3
per item · Per sheet (4 per sheet)
Temporary Checks (4 Per Sheet)$3
per item

Digital & Electronic

Online Unlimited Bill Pay (audience not stated, treated as personal)No charge
Send Money with Zelle® Effective March 5, 2026 (audience not stated, treated as personal)$1
Not compared: Per-transaction charge, not monthly
per transaction

Cash & Deposit

Coin Counting & Rolling$0.10
Loose Coin4%
Loose Coin (Non-Customer)9%
Chargebacks$12
Night Depository Set-Up$25

Account Services

Box Drilling (Only if Required)$175
Not compared: Box drilling or key fee
Box Rental Late Fee$25
Not compared: Box drilling or key fee
Key Replacement$10
Not compared: Box drilling or key fee
Safe Deposit Box 10 x 10$120
Safe Deposit Box 3 x 10$55
Safe Deposit Box 3 x 5$35
Safe Deposit Box 5 x 10$85
Court Ordered Records/Levy$100

Other Fees

Monthly Account Statement Reprint (audience not stated, treated as personal)$5
Not compared: Monthly charge, not per item
per month

Fee	Amount	Basis	Note
Account Maintenance
Monthly fee	$10	per month	None
Account Closing Fee (Within 180 Days of Opening) (audience not stated, treated as personal)	$25	Not stated	None
Account Inactivity Fee (audience not stated, treated as personal)	$10	Not stated	None
Wire Confirmation (Email, Call Back, or Fax) (audience not stated, treated as personal)	$5	Not stated	None
Paper Statement (audience not stated, treated as personal)	$3	Not stated	None
Returned Mail	$10	per month	None
Overdraft & NSF
Overdraft Item Fee - Paid	$35.99	Not stated	None
Returned Item Fee - Returned Unpaid	$35.99	Not stated	None
ATM & Card
Non-LSNB ATM Network Usage Fee	$2	per transaction	None
Card Replacement	$5	Not stated	None
International Transaction Fee (audience not stated, treated as personal)	3%of the transaction	Not stated	None
Wire Transfers
Wire Transfers DOMESTIC WIRES: Outgoing (audience not stated, treated as personal)	$30	Not stated	None
Wire Transfers DOMESTIC WIRES: Incoming (audience not stated, treated as personal)	$15	Not stated	None
Check Services
Cashier's Checks in Lieu of On Us Items (Non-Customers)	$10	per item	None
Declaration of Loss Cashier's Checks	$10	Not stated	None
Monetary: Cashier's Checks (Customers Only)	$10	per item	None
Money Order (Customers Only)	$5	per item	None
Stop Payment (Per Item)	$35	per item	None
Stop Payment (Range of Checks)	$50	Not stated	None
Zelle® Stop Payment (Per Item) (audience not stated, treated as personal)	$10	per item	None
Temporary Checks	$3	per item	Per sheet (4 per sheet)
Temporary Checks (4 Per Sheet)	$3	per item	None
Digital & Electronic
Online Unlimited Bill Pay (audience not stated, treated as personal)	No charge	Not stated	None
Send Money with Zelle® Effective March 5, 2026 (audience not stated, treated as personal)	$1Not compared: Per-transaction charge, not monthly	per transaction	None
Cash & Deposit
Coin Counting & Rolling	$0.10	Not stated	None
Loose Coin	4%	Not stated	None
Loose Coin (Non-Customer)	9%	Not stated	None
Chargebacks	$12	Not stated	None
Night Depository Set-Up	$25	Not stated	None
Account Services
Box Drilling (Only if Required)	$175Not compared: Box drilling or key fee	Not stated	None
Box Rental Late Fee	$25Not compared: Box drilling or key fee	Not stated	None
Key Replacement	$10Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10 x 10	$120	Not stated	None
Safe Deposit Box 3 x 10	$55	Not stated	None
Safe Deposit Box 3 x 5	$35	Not stated	None
Safe Deposit Box 5 x 10	$85	Not stated	None
Court Ordered Records/Levy	$100	Not stated	None
Other Fees
Monthly Account Statement Reprint (audience not stated, treated as personal)	$5Not compared: Monthly charge, not per item	per month	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 15, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

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