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Noel St. at 7th St.

Noel St. at 7th St.

Full-Service Branch

621 Noel St
Memphis, TX 79245


Vice President

Colleen Owens


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  • Bank
  • Online Banking
Colleen Owens

Colleen Owens

Vice President

I have been in banking almost 10 years. I am Vice President of the Memphis Chamber of Commerce and on the Memphis ISD Beautification Board. I love working in Memphis! Everyone greets you with a smile and a wave. When someone is sick the community comes together to support the family and do what they can to help. I love working at Happy and being a part of the Happy family. I feel supported in the fact that I have so many people behind me to help me or support me. Happy is like no other company around and I’m lucky to be a part of it.

Featured Products


Our personal checking options are sure to help you bank Happy! Looking for the basics with no minimum balance requirement? Happy Checking is the way to go. If you keep a higher balance and enjoy extra perks, Happy Interest Checking is right for you.


Thinking of buying or refinancing? The Happy Mortgage Team is ready to help you make your move. And, with our Hybrid eClosing, you can close by phone in minutes!

Small Business

Get the job done with Happy Business Checking! Great for small businesses, this account has no monthly maintenance fees and comes with all the extras you need to take care of business.

Community Involvement

Memphis Chamber of Commerce

We are proud to support the Memphis Chamber of Commerce and all of their work with local businesses.

Memphis Lions Club

We are Happy to support the Memphis Lions Club and their commitment to serving the community.

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