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CLOSE FASTER ON YOUR DREAM HOME.

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At Lusk State Bank, a Division of Banner Capital Bank, we offer a variety of checking and savings accounts to support and empower your goals for growth—both now and for the future. 

Make the switch to Lusk State Bank, a Division of Banner Capital Bank

Looking for a quick, easy way to move your account from your current financial institution to Lusk State Bank, a Division of Banner Capital Bank? We’ve put together an easy-to-use Switch Kit to make the process quick and easy!

Click to download your Switch Kit.

Checking Accounts

As the account you’ll use daily, your checking account is a powerful tool for supporting your financial goals.

With a checking account at Lusk State Bank, a Division of Banner Capital Bank, you’ll have a secure place to set up direct deposit of your wages, social security or retirement; an opportunity to earn interest on your balance, pending on the account you choose; and access to our knowledgeable Account Concierge for any questions, any time.

Take a look at the account options below. We’re confident you’ll find the one that feels most empowering to you!

Open An Account Online Today

SIMPLY FREE CHECKING
  • No minimum deposit to open
  • No monthly service fees
  • No ATM fees from us**
  • Free statements – online or paper
  • Free online banking
  • Free bill pay
  • Free P2P (Person-to-Person) and A2A (Account-to-Account) transfers
  • Free MasterCard® Debit Card

**Other banks and Operators surcharges may apply.

SENIOR CHECKING WITH INTEREST
  • Must be age 55 or older to qualify
  • Direct deposit – Social Security, wages or retirement required to qualify
  • FREE box of wallet-style checks (bank selection) per quarter
  • $15 annual credit toward safe deposit box (only available at some locations)
  • Unlimited number of deposits into your account
  • Earns interest*
  • No minimum deposit to open
  • No monthly service charge
  • No ATM fees from us**
  • Free statements – online or paper
  • Free online Banking
  • Free bill pay
  • Free P2P (Person-to-Person) and A2A (Account-to-Account) transfers
  • Free MasterCard® Debit Card

*Interest rate and annual percentage yield subject to change; call your local branch for current rates.
**Other banks and Operators surcharges may apply.

GOVERNMENT CHECKING WITH INTEREST
  • Must be a verifiable government entity
  • No minimum balance to open account
  • Interest rate and annual percentage yield subject to change; call your local branch for current rates
CORPORATE COMMERCIAL CHECKING - COMING SOON!
CHECKING WITH INTEREST
  • No minimum deposit to open
  • No monthly service charge
  • Direct deposit – payroll or retirement required to qualify
  • Earns interest*
  • Unlimited number of deposits into your account
  • No ATM fees from us**
  • Free statements – online or paper
  • Free bill pay
  • Free P2P (Person-to-Person) and A2A (Account-to-Account) transfers
  • Free MasterCard® Debit Card

*Interest rate and annual percentage yield subject to change; call your local branch for current rates.
**Other banks and Operators surcharges may apply.

SUPER NOW CHECKING WITH INTEREST
  • $1,000 minimum opening deposit
  • No monthly service charge with an average daily balance of $1,000
    • A service charge of $5 will be imposed every statement cycle if the average daily balance falls below $1,000
  • Earns interest*
  • Unlimited number of deposits into your account
  • No ATM fees from us**
  • Free statements – online or paper
  • Free online banking
  • Free bill pay
  • Free P2P (Person-to-Person) and A2A (Account-to-Account) transfers
  • Free MasterCard® Debit Card

*Interest rate and annual percentage yield subject to change; call your local branch for current rates.
**Other banks and Operators surcharges may apply.

REGULAR CHECKING
  • No minimum deposit to open
  • No monthly service charge with an average daily balance of $300
    • A service charge of $3 will be imposed every statement cycle if the average daily balance falls below $300
  • Unlimited number of deposits into your account
  • No ATM Fees from us**
  • Free statements – online or paper
  • Free online banking
  • Free bill pay
  • Free P2P (Person-to-Person) and A2A (Account-to-Account) transfers
  • Free MasterCard® Debit Card

**Other banks and Operators surcharges may apply.

Savings Accounts

When it comes to planning for your future, or even reaching short- and long-term goals, a solid savings account is the smartest place to start.

From saving up for the holidays, to contributing to a Traditional, Student, or ROTH IRA, you’ll find exactly what you need right here at Lusk State Bank, a Division of Banner Capital Bank.

Open An Account Online Today

REGULAR SAVINGS
  • No minimum deposit to open
  • No minimum balance required
  • No monthly service charge
  • Earns interest*
  • Unlimited number of deposits into your account
  • Free statements – online or paper
  • Free online banking

*Interest rate and annual percentage yield subject to change; call your local branch for current rates.

PREMIER MONEY MARKET ACCOUNT
  • Minimum $1,000 opening deposit
  • No monthly service charge with average daily balance of $1,000
    • A monthly service charge of $5 will be imposed each monthly statement cycle if the average daily balance falls below $1,000
  • Earns interest*
  • Unlimited number of deposits into your account
  • Transfer funds, withdrawals money or writing checks
  • Free statements – online or paper
  • Free online banking

*Interest rate and annual percentage yield subject to change; call your local branch for current rates

CERTIFICATE OF DEPOSIT (CD) *
  • Available to individual and commercial customers
  • Wide range of investment terms (from 3 months to 5 years)
  • Early withdrawal penalty applies
  • Minimum deposit amount may apply
  • Interest rate and annual percentage yield subject to change; call your local branch for current rates

*Lusk State Bank, a Division of Banner Capital Bank may offer a special rate for CD amounts $10,000 and above. A penalty may be applied for early withdrawal.  Fees may be charged to the account, which could reduce earnings. Rate of Return is referred to as Annual Percentage Yield (APY).

CHRISTMAS CLUB SAVINGS
  • No minimum deposit to open
  • No monthly service charge
  • Earns interest*
    • Interest compounds annually
    • Interest will be credited into the account annually
  • No withdrawals allowed; a check will be sent to you on or around November 15th each year
  • Unlimited number of deposits into your account
  • Free statements – online or paper
  • Free online banking

*Interest rate and annual percentage yield subject to change; call your local branch for current rates

HEALTH SAVINGS ACCOUNT (HSA)
  • Must have a High Deductible Health Plan (HDHP) to enroll
  • No minimum deposit to open account
  • No monthly service charge
  • Earns interest*
  • Distributions are for medical purposes+
  • Deposit limitations apply++
  • Free statements – online or paper
  • Free online banking
  • Free MasterCard® Debit card

*Interest rate and annual percentage yield subject to change; call your local branch for current rates.
+Distributions could potentially be tax-free deductions (visit with your tax consultant). For non-qualifying distributions, the withdrawal amount is subject to income tax and a 10% penalty.
++The amount to contribute will be determined by the type of HDHP coverage, age, date of eligibility and the date eligibility ceases.

INDIVIDUAL RETIREMENT ACCOUNT
  • Traditional IRA
  • Roth IRA
  • Student (Coverdell Education Savings Account) IRA
  • Investments are FDIC insured
  • No fees
  • No minimum balance to open
  • Earns interest*

To learn more about each IRA option (and how our bank representatives can help match you with the right IRA to meet your goals), click here.

*Interest rate and annual percentage yield subject to change; call your local branch for current rates.

WITH BUSINESS GOALS LIKE YOURS,

you’ll truly benefit from our extensive experience in commercial lending!

Learn More

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Goal Getter Money Market Account

Reach your next financial goal even faster with our Goal Getter Money Market Account!

With the ability to earn interest on your balance of $20,000 or more, this money market account truly empowers your money (up to $2 million) to grow—and enriches your ability to become a true “goal-getter” in pursuit of your next financial milestone.

The more you deposit, the bigger the return!

Rates are subject to change daily. Contact your local branch for the latest rates.*

Goal Getter Money Market Account highlights

  • Minimum $20,000 opening deposit
  • Maximum account limit of $2,000,000
  • No fee to open account
  • Tiers are based on actual balances ($) not average balances
  • Check-writing ability**
  • Free debit card**
  • Free Lusk State Bank, a Division of Banner Capital Bank, Bill Pay**
  • Electronic statements (eStatements) only
  • Limit one account per customer
  • Platinum Preferred Credit Card**
Sign up for our Goal Getter Money Market Account; get our free Platinum Credit Card with no annual fees

With the Platinum Credit Card, you’ll receive free online account information, worldwide acceptance, cash advance at thousands of ATMs, auto rental insurance, automatic payment option, and travel accident insurance coverage. Our application process is simple and stress-free; click here to download your Platinum Credit Card application today!

Goal Getter Money Market Account tiers

Each increasing tier offers additional benefits and annual percentage yields—so the more you deposit, the bigger the return!

Note: Tiers and rates are based on actual dollars in the account, not average balances.

SILVER TIER:
  • $20,000 – $74,999 (based on daily balance)
GOLD TIER:
  • $75,000 – $149,999 (based on daily balance)
  • Free checks (any check style but limited to one box or 100 checks per calendar year, any style)
  • 1% discount off of any Lusk State Bank, a Division of Banner Capital Bank consumer (non-real-estate secured) loan accommodation, with expedited, priority underwriting, subject to credit approval
    • (Note: Normal underwriting requirements are NOT waived.)
  • Platinum card with rewards and no annual fee. Application subject to credit approval. Please refer to Platinum Credit Card disclosure for more details and interest rates.
PLATINUM TIER:
  • $150,000 to $2,000,000 (based on daily balance)
  • Free safe deposit box (3×5”), subject to availability per bank location
  • Immediate and exclusive access to a Lusk State Bank, a Division of Banner Capital Bank Representative for professional, personalized assistance with any and all bank-related challenges or services
  • Free checks (any check style; limited to one box or 100 checks per calendar year, any style)
  • 1% discount off of any Lusk State Bank, a Division of Banner Capital Bank consumer (non-real-estate secured) loan accommodation, with expedited, priority underwriting
    • (Note: Normal underwriting requirements are NOT waived.)
  • Platinum card with rewards and no annual fee. Application subject to credit approval. Please refer to Platinum Credit Card disclosure for more details and interest rates.

Fees

Minimum balance service fee: Minimum balance requirement of $20,000 to avoid service fee. A $35 service fee will be incurred when the balance falls below $20,000 per statement cycle.

Continuous minimum balance fee: A service fee of $35 will be incurred for each subsequent statement cycle that the account balance remains under $20,000.

Early account closure fee: $150 (If closed within 12 months of account opening)

*Money Market accounts have a variable rate. Interest rates subject to change. Restrictions for Money Market accounts apply. Fees could reduce earnings.

**Platinum card with rewards and no annual fee. Application subject to credit approval. Please refer to Platinum Credit Card disclosure for more details and interest rates.

Certificate of Deposit

Saving up for a special project, big event, or dream vacation? A certificate of deposit is a wonderful way to reach your goal even faster, with a fixed, guaranteed rate of return on terms ranging from three months to five years.

Need guidance on choosing the best term to reach your goals? Contact your local branch today!

Certificate of Deposit (CD) Term Options

  • 90 Day / 3 Month
  • 180 Day / 6 Month
  • 1 Year / 12 Month
  • 18 Month
  • 2 Year / 24 Month
  • 30 Month
  • 3 Year / 36 Month
  • 4 Year / 48 Month
  • 5 Year / 60 Month

Certificate of Deposit (CD)*

  • Available to individual and commercial customers
  • Wide range of investment terms (from 3 months to 5 years)
  • Early withdrawal penalty may apply
  • Minimum deposit amount may apply
  • Interest rate and annual percentage yield subject to change; call your local branch for current rates

*Lusk State Bank, a Division of  Banner Capital Bank may offer a special rate for CD amounts $10,000.00 and above. A penalty may be applied for early withdrawal. Fees may be charged to the account, which could reduce earnings. Rate of Return is referred to as Annual Percentage Yield (APY).

Which IRA is the best option for you?

Here at Lusk State Bank, a Division of Banner Capital Bank, we are dedicated to helping empower our customers to reach their financial goals.

A key piece of planning your financial future is ensuring you have an Individual Retirement Account (IRA) in place—and our representatives are here to ensure you have the information on our IRA’s!

Why to get an IRA at Lusk State Bank, a Division of Banner Capital Bank

What makes Lusk State Bank, a Division of Banner Capital Bank the best place to set up your Individual Retirement Account? Our Chief Financial Officer Janie Wyatt says it best:

“We’re going to look at you as an individual, not just a number on a statement.”

– Janie Wyatt—Chief Financial Officer

 

 

What’s the difference between Traditional and Roth IRAs?

TRADITIONAL IRA
  • Contributions can be tax-deductible
  • Withdrawals are taxed at your income tax rate when you make them
  • You must take required minimum distributions at age 72
  • If you withdraw funds before age 59½, you may pay taxes and an early withdrawal penalty
ROTH IRA
  • Contributions are not tax-deductible; there are no age restrictions on contributions
  • You may need to meet income-eligibility restrictions to contribute
  • No required minimum distributions
  • Withdrawal must be taken after age 59½, withdrawals must be taken after a 5-year holding period. Some exceptions may be allowed for an early withdrawal, penalty free

How does a Student IRA differ from a Traditional or Roth IRA?

STUDENT IRA
  • Designated beneficiary must be less than 18 years old
  • Also called Coverdell Education Savings Account
  • You must meet income-eligibility restrictions to open an account; ask your Lusk State Bank, a Division of Banner Capital Bank representative for details
  • Maximum contribution of $2,000 per year / per child
  • The owner of the IRA can withdraw funds for a qualified educational expense for the beneficiary. The benefit applies not only to a qualified higher educational expense, but also a qualified elementary and secondary education expense.

Which IRA is the best option?

The best IRA option is the one that aligns with your personal goals for retirement! That is where our representative’s come in.

To set up your IRA, you will meet for a personalized, one-on-one discussion with a local Lusk State Bank, a Division of Banner Capital Bank representative.

“When you walk into a Lusk State Bank, a Division of Banner Capital Bank location, you are always going to be talking to that individual who is empowered to make your life easier.”

Janie Wyatt
Chief Financial Officer, Lusk State Bank, a Division of Banner Capital Bank 

To prepare for your discussion, think about these questions beforehand:

  • When are you hoping to retire?
  • How long do you need your retirement savings to last?
  • What are your goals for retirement?

For additional insight, click here to visit the AARP’s retirement calculator *.

*By clicking the link you are leaving the Lusk State Bank, a Division of Banner Capital Bank Website. This linked website is provided for your convenience. Lusk State Bank, a Division of Banner Capital Bank is not responsible or liable for the content, information or security of the website or website affiliates that you are accessing, the failure of any products or services advertised or promoted to this linked website nor any issues that may arise out of the website’s privacy policy. You should not regard any information on this linked website as expressing facts about, or the opinions or beliefs of, Lusk State Bank, a Division of Banner Capital Bank.

We do not offer tax advice. Consult your tax consultant or accountant prior to opening up an IRA account.

Everyone needs an IRA. Let’s get started on yours today!

Every representative in the bank is empowered to make a difference for your financial future, and we can get started as soon as you’re ready. Fill out the form below, and a friendly Lusk State Bank, a Division of Banner Capital Bank representative will be in touch.

    My preferred method of contact is

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    We do not offer tax advice. Consult your tax consultant or accountant prior to opening up an IRA account.

    Credit cards

    With a secure, simple-to-use VISA® credit card from Lusk State Bank, a Division of Banner Capital Bank, you can trust that your finances—whether personal or business—are in good hands!

    Need to make a credit card payment?

    Click here to pay online

    No matter which option you choose, you’ll enjoy the following benefits as a VISA® cardholder*:

    • 24/7 customer service
    • Cardholder inquiry service
    • Card compatibility with Apple, Samsung, Android, Visa® Checkout
    • EMV/chip-enabled card
    • Fraud alert notices (email, text, and IVR options)
    • Lost or stolen card reporting
    • Purchase alerts
    • Secure online account management
    • Zero liability fraud support

    Below, you can explore the specific benefits of each card, then apply online from the comfort of home.
    *Subject to credit approval; must be 18 or older to apply.

    For 24/7 assistance with your VISA® card, or to make a payment over the phone, call 1-844-386-8276.

     

    Personal credit cards

    VISA® CLASSIC

    A simple, no-frills card to practice responsible credit card usage or reestablish credit. Benefits of the VISA® Classic credit card include:

    • No annual fee
    • Competitive rates
    • Auto rental collision damage waiver
    • Travel accident insurance

    Apply Now

    VISA® PLATINUM

    Earn rewards on every purchase you make! For every dollar you spend, you earn 1 point to redeem for travel, gifts, or merchandise. Additional benefits of the VISA® Platinum credit card include:

    • No annual fee
    • Save up to 50% on frames, lenses and lasik surgery
    • Save up to 80% on prescriptions at CVS, Target, Walmart, Kroger and more
    • Lost key return system
    • Travel reservation service

    Apply Now

    Business credit card

    VISA® BUSINESS

    As the admin of your VISA® business credit card, you’ll have complete visibility into all cardholder accounts and statements, as well as the ability to manage credit lines, monitor available funds 24/7, and preset spending limits for each cardholder.

    Plus, for every dollar you spend, you earn 1 point to redeem for travel, gifts, or merchandise—and you can earn up to 1% on everyday purchases, too! Additional benefits of the VISA® business credit card include:

    • Detailed monthly statements and reports to itemize your business expenditures and track expenses
    • Auto rental collision damage waiver
    • Emergency card replacement
    • Purchase security/extended protection
    • Roadside dispatch
    • Travel accident insurance
    • Travel & emergency assistance services

    Apply Now