Compare the current bank fees found for the most widely used bank services and bank accounts at Happy State Bank in Texas.  Happy State Bank is a Texas based financial institution that offers a variety of consumer checking accounts, savings accounts, loans, and other banking products and services throughout the Lone Star State.  The bank fee data is presented to help consumers make the most of their banking dollars by receiving the right services and products at the lowest costs.

Happy State Bank ATM Fees:

Happy State Bank has no ATM fee for balance inquiries, withdrawals, and fund transfers at any Happy State Bank owned or operated ATM or any ATM within the Money Pass network located throughout the country.

Happy State Bank charges a foreign ATM fee of $1.50 for transactions made at ATMs that are not operated by Happy State Bank.

Happy State Bank Overdraft Fees and Insufficient Funds Fees:

The Happy State Bank overdraft or non-sufficient funds (NSF) fee is $27.00.  The fee is charged for non-sufficient funds on checks that are paid or those that are returned. 
Customers will not be charged for more than seven (7) overdraft items per day.  No overdraft fee will be charged for any amount that overdraws your account by less than $10.00.

The automatic overdraft transfer fee is $5.00 per transfer.

Happy State Bank Wire Transfer Fees:

Domestic incoming wire transfer fee at Happy State Bank is free.
Domestic outgoing wire transfer fee with is $15.00.
Incoming international wire transfer fee is free.
Outgoing international wire transfer fee in US dollars is $50.00.

Additional Common Bank Fees and Charges at Happy State Bank:

Stop payment fee is $27.00. 
Cashier’s check fee is $2.00 for customers and $10.00 for non-customers.
Money order fee is $2.00 for customers and $5.00 for non-customers.
Check cashing fee for non-customers is $20.00 per item or 3% of the total; whichever is greater.
Legal processing for garnishments or an account levy is $100.00.
Dormant account fee is $5.00 per month.  This fee is assessed after 6 months of inactivity on accounts with balances less than $50.00.

The information regarding Happy State Bank and Happy State Bank fees is intended to be accurate, but the information is not guaranteed.  This information should be verified prior to opening an account.  Additional information can be obtained by calling a Happy State Bank customer service representative at (806) 373-2265, visiting the bank web site at happybank.com, or reviewing the bank’s Schedule of Fees Disclosure for more details.

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