HCSB® Banking Options

HCSB® is proud to be putting 77 years of Texas banking know-how to work for you.

Chartered in 1934, HCSB® opened its doors in downtown Plainview, Texas and has experienced steady growth since its inception. Now with seven banking centers — four in West Texas and three in the Hill Country — HCSB® has grown alongside our customers and provides you the best banking has to offer.

Personal Deposit Options

Checking options

  • HCSB® Reward Checking
  • HCSB® Free Checking
  • HCSB® E-Student Checking
  • HCSB® Grand Checking

Saving options

  • HCSB® Savings Gold
  • HCSB® Money Market Deposit Account

Commercial Deposit Options

Checking options

  • Business Analysis Account
  • Simplified Business Account

Saving options

  • Business Money Market
  • Business Savings

Lending Options

With an easy application process, local decisions and prompt responses, HCSB® is here with a full range of consumer lending options.

  • Home Equity Loans
  • Mortgage Loans
  • Interim Construction and Lot Loan Financing
  • Home Improvement Loans
  • Auto Loans — new and used
  • Aircraft Loans
  • General Purpose Loans
  • Personal lines of credit are available with our HCSB® QuickDraw Account.

Let HCSB® help your enterprise grow with the help of commercial lending options including:

  • Commercial Real Estate
  • Interim (Builder) Construction Loans
  • Land Development
  • Income Properties
  • Interim Commercial Construction and Permanent Financing
  • Revolving Working Capital Lines of Credit
  • Term Equipment Financing
  • Inventory and Accounts Receivable Financing
  • Owner Occupied Real Estate — Construction and Permanent
  • Small Business Administration Loans

Wealth Management Options

HCSB® Wealth Management is the right choice for help with keeping your assets growing now and in the future. We offer a complete range of wealth management services that fit you and your needs.

  • Trust Services
  • Estate Settlement/Probate
  • Asset Management

For additional information, visit us at 1145 Junction Highway in Kerrville or call 830-896-5000.

Whatever your need, HCSB® has the financial products and services available to make your banking experience what you want and need it to be.

Important disclosures regarding the FDIC’s Transaction Account Guarantee Program