Personal Checking
Checking that works as hard as you do
From Menard to Mason, our checking accounts come with a real debit card, free online and mobile banking, and a local team that picks up the phone.
Debit card on day one
Tap-to-pay debit card with instant lock and unlock from the app.
Mobile check deposit
Snap a photo of a check and deposit it from the pasture or the parking lot.
Balance alerts
Get a text or email when your balance drops below the number you pick.
Free internal transfers
Move money between your accounts or to other members instantly.
Compare
Find the right fit
Simple everyday banking
Hill Country Checking
$0 monthly fee
- No minimum balance
- Free online bill pay
- Mobile check deposit
- Access to 40+ demo ATMs
Earn interest while you spend
Bluebonnet Plus
$8 or $0 with $1,500 balance
- Earns 0.05% APY
- Two out-of-network ATM fee refunds a month
- Free cashier's checks
- Overdraft transfer from savings
Relationship banking
Lone Star Premier
$18 or $0 with $15,000 relationship
- Unlimited ATM fee refunds
- Dedicated relationship manager
- Free safe deposit box (small)
- Rate discount on consumer loans
Rates as of September 28, 2026
Checking rates
| Product | Term | Minimum | Interest rate | APY |
|---|---|---|---|---|
| Hill Country Checking | — | $0 | 0.05% | 0.05% |
Rates shown are illustrative figures for a fictional bank and are not offers of credit or deposit products.
How it works
Three simple steps
- 01
Apply online
Tell us about yourself in about five minutes. No branch visit required.
- 02
Get your account number
Your account number appears on your dashboard right away.
- 03
Fund and go
Make an opening deposit by card, ACH, or mobile check and start banking.
Questions
Frequently asked
Can't find your answer? Our Menard team is happy to help.
Is there a minimum opening deposit?+
Hill Country Checking has no minimum. Bluebonnet Plus and Lone Star Premier suggest a $25 opening deposit.
How fast can I use my account?+
Immediately. Your account number and online banking are available the moment your application is approved.
Can I switch tiers later?+
Yes. Your relationship manager can move you to another tier without changing your account number.
Ready to bank with neighbors?
Open demo checking and savings in about five minutes. No real money required.