| Checking Accounts | All types |
| Overdraft Privilege | Available to qualified customers |
| Statement Savings Accounts | Individuals, non-profit organizations, public entities (quarterly statements) |
| Certificates of Deposit | All types |
| Convenient Motor Banking | Drive thru at 1005 North Oklahoma |
| Bank-By-Mail | Mailers available upon request |
| ATM / ATM Cards | Located at 900 West Dickinson |
| XPRESS Telephone Banking | (432) 336-9090 or (800) 720-5235 |
| Credit Cards | MasterCard or Visa |
| Debit Cards | MasterMoney |
| Teller Services | Traveler's Checks, Money Orders, Cashier's Checks, and Cash Orders |
| Safety Deposit Boxes | All sizes from 3"X 5" to Chest Size |
| Loans | Commercial, Real Estate, Automobile, Other Installment, and Open End Loans |
| Other Specialized Services | Internet Banking including bill payment ability |
