Henderson State Bank, Growing to Meet Your Needs

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Featured Rates
60 Month CD   APY* 2.40%
48 Month CD   APY* 2.350%

*Annual Percentage Yield

$500 Minimum Deposit

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News & Updates



**IRS Changes for HSA Family Contributions for 2018**

Effective immediately 03/05/2018, the 2018 annual HSA contribution limit for family coverage will drop from $6,900 to $6,850. This adjustment in the contribution limit is described in IRS Revenue Procedure 2018-18, contained within Internal Revenue Bulletin 2018-10 (page 400). 

Any HSA account owners that have already contributed the previously-announced maximum contribution limit of $6,900 for 2018, they have now created an excess in their HSAs based on the newly-announced contribution limit of $6,850.






New Henderson State Bank EMV Chip Cards


What is an EMV Chip Card?

EMV stands for Euro Pay, MasterCard® and VISA®. They are also referred to as “chip cards” or “smart cards”. A small metallic square that contains a computer chip is embedded in the card. This technology has been in use in Europe, Asia and Canada and has proven to be a major deterrent to fraud.


When will I receive a chip-enabled debit card from Henderson State Bank?

Henderson State Bank is now issuing EMV cards for new card orders. We are working on replacing our customers’ existing customer cards as soon as they can be delivered in the very near future.


Will My PIN# change with the new chip card?

No, your PIN# will remain the same.


How are chip cards different from existing magnetic strip card technology?

The EMV “chip” is a microprocessor built into the card. The chip generates a unique number for each transaction, making it more difficult to create and use a cloned card or commit other card related fraud.


Will chip card work at the same places as my old card was?

Yes, your new EMV chip card will be honored at any merchant that accepts VISA cards.


What will be different about using the new EMV chip card?

You will insert the chip end of your card into the card terminal with the chip facing up and leave it there. Then follow the prompts on the screen to complete the transaction. The terminal will tell you when to remove your chip card after completing your transaction.


Can I still swipe my card to pay?

Yes. Until all of the merchants update their terminals you can still swipe your new EMV chip card at those older terminals and complete your transaction.


Does my chip card work at the ATM?

Yes. You can still use your card to get cash and check your balance.


Will EMV chip cards eliminate fraud?

No, while chip card technology will help reduce fraud, you still need to do your part. Keep your card number and PIN information secure. Guard your private information at all times.


New Mobile Device App and Text Banking is now available through Henderson State Bank.  



Change Effective August 21, 2011


Our policy is to make funds from your cash and check deposits available to you on the first business day following the day that we receive the deposit. Any delay in availability of your funds will generally be until the 2nd business day after the banking day of your deposit. Under certain circumstances, we may delay funds availability longer, up to the 7th business day after the banking day of deposit. If we decide to delay your funds availability, we will notify you at the time of your in-person deposit, or as soon as possible for other deposits. If you have questions or would like a copy of our funds availability policy, please contact us at 888-542-8902 or info@hendersonstatebank.net.


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New Card Products!

Stop by any of our locations to learn more about our new Gift and Travel cards as well as our Round Up Savings program!


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