Who we are and what we stand for.

“Work hard, have fun, make money, while providing outstanding customer service and honoring the Golden Rule."

HAPPY STATE BANK began in 1908 in a small Texas town called Happy. While we’ve grown in size, locations, and assets, we like to keep the mentality of a small town bank where everyone knows your name. We have 20 core values that we live by and are proud of, and believe the Golden Rule is key. We’re Happy you decided to see what makes us different from all those other banks.

We have locations across the Texas panhandle all the way to Dallas-Fort Worth. And the number is only growing. For a list of branches and bankers, please click here.

Welcome | Debit Cards | Online Banking | Mobile Banking | Other Services

We are so glad you’ve decided to join the Happy family.

Let’s go over some important details about your new account.

HAPPY STATE BANK will NEVER solicit confidential information in the form of a phone call, email, or text message.  Read our privacy policy, or file a consumer complaint here.

The HAPPY STATE BANK routing number is 111310870. This number is used in conjunction with your account number to send funds from bank to bank electronically. For example, when setting up a direct deposit with your employer.

We understand that overdrawing your account can happen, which is why we offer Overdraft Protection Services on most accounts. Visit our overdraft protection page to learn more.

Everything your debit card can do for you.

HAPPY STATE BANK checking account holders are issued our chip enabled debit cards to access their money securely and with ease.

For assistance with these benefits, please contact 1-800 Mastercard

  • Mastercard ID Theft Protection™ - Your credit file is monitored to identify and alert you of suspicious activity allowing you to take immediate action. A dedicated resolution specialist is assigned to you should you require assistance. To activate your ID Theft Protection benefits, visit

  • Mastercard Travel Services - Discover a convenient way to book hotels, flights and car rentals online with Mastercard Travel Services. Sit back, relax and start planning your journey.

  • Mastercard Global Service - Receive around-the-clock customer service assistance when reporting a lost or stolen card. Emergency card replacement and emergency cash advance is available and just a call away.

  • Mastercard Airport Concierge™ - Arrange for a personal, dedicated meet-and-greet agent to escort you through the airport on departure, arrival or any connecting flights, 24/7/365 at over 450 destinations worldwide. Fees apply.

Your Debit/ATM card is part of the MoneyPass network, which gives you FREE access to 25,000 additional ATM’s. Find an ATM near you through the HAPPY STATE BANK mobile app. Just select locations and filter by ATM.

Before you travel, let us know. Because we take your account security seriously, transactions in other locations may be declined. Call Happy customer service at 1-800-447-2265 to notify us in advance.

Control where, when, and how your debit card is used directly through our highly-rated Happy mobile app. You can turn your debit card off temporarily if you think it’s been lost. In addition, you can receive alerts on purchases, set spending limits and even control where and how your debit card can be used. Enroll in online banking and download our Happy app to get started

Losing a debit card is never fun. Call 1-866-958-2867 to report a missing card and begin the recovery process or dispute an unauthorized transaction.

You can change your PIN through HAPPY STATE BANK’s Customer Service or through a HAPPY STATE BANK ATM.

  • Visit a branch or call HAPPY STATE BANK Customer Service: 1-800-447-2265
  • HAPPY STATE BANK ATM: Only available if you know your current PIN

You can add your HAPPY STATE BANK debit card to your wallet on your phone. Pay securely with one-click while shopping, send money via text, or use your phone instead of pulling out your card at participating stores. For directions on how to set your card up, click here.

Banking made easier online.

View statements, pay bills, transfer money - our HAPPY STATE BANK online banking services are FREE to make your life easier.

Electronic statements are the most secure way to manage your accounts and keep your information safe. We offer free electronic statements with every account and maintain an 18 month statement history once enrolled.

  • To enroll in eStatements: Click on “Customer Service” and select “Change statement delivery method” on the first drop-down column and follow the directions. (Make sure you review the Service Agreement and Disclosure hyperlink before proceeding.)
  • To view your statements: Click “Accounts” and select “Statements.”

Activating your mobile device enables you to receive text alerts regarding your account. To register, select the “Mobile Banking Center” from your Home screen, click on “Get Started” button, and follow the prompts to activate your device.

Your online banking toolbox.

Pay bills with a couple of clicks. While logged in to your account, click the “Pay and Transfer” drop-down and click “Pay bills.” Once there, follow the directions and click “Enroll now.” Once your payees are setup, you have additional options to help seamlessly manage your finances:

  • Schedule your payments in advance using AutoPay
  • Use eBill to view bills from your payees right from your Happy online banking

You can transfer money between your accounts and send and receive money to accounts you may have at other institutions. Click on the “Pay and Transfer,” select the option, and follow the prompts:

  • Transfer between your Happy accounts: Select “Make a transfer”
  • Transfer to other accounts: Select “Make an external transfer”

Want to know when balances change or transactions clear your account? You can sign up and customize the alerts for each of your accounts and we’ll keep you up-to date. To sign up for account alerts, go to “Customer Service” and select “Manage Alerts.” There you can choose the account you would like to be notified about and hand select the alerts you will receive.

Just like you, we are on the go!

To download the HAPPY STATE BANK mobile app, click on your Apple iTunes Store for Apple phones or Google Play for Android phones and in the “Search” bar, type HAPPY STATE BANK. Two apps will appear, personal banking and business banking. Once the personal app is downloaded, follow the directions to get started.

As a reminder, you must enroll in online banking prior to downloading the app. Once the app is downloaded, you’re ready to start enjoying banking on the go with HAPPY STATE BANK using your online banking username and password.

No time to stop by a branch? Make a check deposit via the app! Log in to mobile banking and click the yellow plus sign, then select “Deposit.” The prompts will walk you through the steps, including taking a picture of your check and confirming your deposit.

We help you protect your Happy debit card by letting you turn it on or off from your app. In addition, you can also set spending limits, get alerts for purchases, use merchant controls (ex: use only at gas stations), set transaction controls (ex: use only in store, not online) and more! Setting these controls is easy! Simply select your debit card in the “Card Controls” tab to begin personalizing your Happy mobile alerts. Click here to learn more about Card Controls and Alerts.

Once you’ve enrolled in bill pay through online banking, you can set up new payees and pay existing bills right from your phone with just a couple of clicks. Select the yellow plus sign and select “Pay Bills” to get started.

Continuing your banking journey with us just got that much easier! With the option to open a checking, savings, or money market account, there’s nothing stopping you from banking, the Happy way! To start, click on the “More” tab and then press the “Open an Account” option, or simply click here. It’s so easy, it should take you 5 minutes or less!

HAPPY STATE BANK has partnered with Zelle® to bring your money to your fingertips. Using your HAPPY STATE BANK mobile app, you can send money - typically in minutes* - to almost anyone you know who has a bank account in the U.S. using just their email address or U.S. mobile phone number. Click here to learn more about using Zelle.

 *To receive money in minutes, the recipient’s email address or U.S. mobile number must already be enrolled with Zelle.
Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

More services to better your banking experience.

Whether you’re in the market for a new car or financing for your business, Happy has the loan for you. Call your local branch or visit our website to apply for a loan.

We get it, you’ve worked hard for your business. Now let us work hard to keep your business running smooth. From accounts receivables to fraud or liquidity management, we keep your business Happy.

(806) 349-9011

We pride ourselves on the number of Happy houses that are in our banking communities. Call your local branch to get the mortgage process started and get into your dream home!

(806) 359-8811

With Happy Trust Services, your business, charitable organization, or even personal accounts are personally and confidentially managed by our experienced team. Call or visit one of our locations to go over your options and let us take care of you!

Amarillo: (806) 356-8787
Lubbock: (806) 798-4808
Dallas: (972) 407-4947
Fort Worth: (817) 989-3960

A $2 billion division of HAPPY STATE BANK that specializes in IRAs, investments, and precious metals. Visit to see results for yourself!

(800) 486-6888

Non-deposit investment products with Happy Trust and Goldstar are not FDIC insured and are not guaranteed by the bank or any government agency.
Non-deposit investment products are subject to investment risk and may go down in value.