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Bonus Checking

Elevate your balance with Bonus Checking

Bonus Checking is the checking account that checks all your boxes. Every debit card transaction brings you closer to higher dividends.

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Dividends Your Way

Make 20 debit card purchases each month to earn even higher rates.

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No monthly fees

No monthly fees AND dividends? Enjoy both with Bonus Checking.

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Nationwide ATMs

Get the cash you need with 55,000 free in-network ATMs and a low $3 out-of-network transaction fee.

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Digital banking

It's easy to manage your money no matter where you are with digital banking on your phone.

Competitive dividend rate

Watch your rates go up and up

With Bonus Checking, you'll be rewarded just for using your debit card. Just use your debit card to make 20 purchases per month and you're automatically on track for higher dividends.

More ways to earn

Higher balance = higher rates

Ready to earn some serious dividends? With Bonus Checking, the higher your balance, the more you can earn. Rates start at 0.50% APY* and go all the way to 2.00% when you use your debit card 20 times each month.

How it works

It's easy to open a Bonus Checking account from Lone Star Credit Union.

  • 1

    Open an account

    It takes only a few minutes to open a Bonus Checking account.

  • 2

    Make a deposit

    Deposit $25 into your account to get started.

  • 3

    Use your money

    Manage your account with digital banking and our mobile app.

Open a Bonus Checking account

Top questions

  • Your Member number is used when enrolling in services such as digital and mobile banking, the online payment center, and automated phone banking. It is also your main savings account number.

    Your checking account number is used for sending or receiving money through direct deposit, wire transfers, and bill-payments or for making payments online or by phone.

  • There are a few ways to find your account number:

    • your savings account number, or Member number, can be found on your eStatements in digital banking
    • your checking account number can found on the bottom of your checks after the routing number (311079869)

    You can also find your account number in digital banking. Tap or click on your checking account from the home screen, then tap or click account info (next to history), and the MICR number shown is your checking account number.

    You can also contact our Member Service Center by phone or chat to verify your Member number, checking account number, or loan number.

  • You can easily order checks whenever you need them by going to Harland Clarke’s website. When you place an order, you’ll have the option to choose your preferred style and any other needed products like checkbook registers. You can also order customized checking deposit slips if desired.

  • No, Digital Banking does not allow you to draw your account negative.

  • When you add a debit and/or credit card, the number on your cards is replaced with a secure device number referred to as a token. That token is used to submit the payment to the merchant rather than your actual card number(s).

    • You need to report a lost or stolen debit card promptly in the LSCU Cards app or by calling 866.553.2919.
    • A replacement card will be issued with a new card number.
    • Don’t forget to update any automatic payments with your new card information.
  • Yes. On the desktop version of digital banking, click the plus sign to take you to the Create a Share option.

    On mobile banking, tap the red plus sign at the bottom of the screen and then tap Create a Share to begin the process.


Have a question? Contact us

Get more from your checking account

Bonus Checking is the checking account that checks all of your boxes

  • *APY = Annual Percentage Yield

    Rates are effective January 16, 2024 and are subject to change without notice. See our rates page for full qualifications and rate tiers.

    The following transactions do not count towards the qualification requirement: ATM transactions and purchases made with debit cards not issued by Lone Star Credit Union.

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