Online Banking

photo of muenster State Bank

About Us

About Muenster State Bank

Muenster State Bank is a locally owned, independent bank with a very strong capital position and a long history of serving the local area. Muenster State Bank was chartered on June 23, 1923 with the help of local businessmen and community leaders who felt a bank was needed to provide financial leadership for the community. The bank has built a reputation as a strong “community bank” by a solid history of community service. The Muenster State Bank and its employees have been and are currently involved in local affairs and are major contributors of time, work and money for many local activities and civic events.

The bank’s primary location is in Muenster. Muenster is a small community in North Central Texas, approximately eighty miles north of the Dallas-Fort Worth metroplex. The bank also has a full-service Banking Center in Gainesville which can meet all the needs of any existing or prospective customer.

Muenster State Bank is proud to be part of the communities of Muenster, Gainesville, and the surrounding area, and looks forward to providing friendly personal service for many years to come

MSB Officers & Directors



ID Theft Prevention

Muenster State Bank wants to ensure the online protection of your personal and Account information.

Please note

Muenster State Bank will not ask you to submit personal or Account information via email.

If you ever receive an email appearing to be from Muenster State Bank that asks for personal information such as your Account Number or Social Security Number, do not respond to the email. Please notify us immediately at 940-759-2257.

Responding to E-Mail and Internet-Related Fraudulent Schemes

The number one rule….don’t respond! Call or contact Muenster State Bank and let us know of the unusual email.

Texas Consumer Complaint Notice

The Muenster State Bank is chartered under the laws of the State of Texas and by the state law is subject to regulatory oversight by the Texas Department of Banking. Any consumer wishing to file a complaint against the Muenster State Bank should contact the Texas Department of Banking.

Muenster State Bank also engages in the business of selling gift cards as an agent for TIB, National Association, which is licensed under the laws of the State of Texas and is subject to regulatory oversight by the Texas Department of Banking. After first contacting TIB, National Association, if you still have an unresolved complaint regarding the company’s gift card activity, please direct your complaint to the Texas Department of Banking.

Consumers may file complaints with the Texas Department of Banking by contacting the Department through one of the means indicated below.

Texas Department of Banking

2601 North Lamar Boulevard
Suite 300
Austin TX, 78705-4294
Toll Free: (877)276-5554
Fax (512)475-1313


Phishing Alert

Beware of Telephone Scams & Phishing

Phishing (pronounced fishing) is a form of identity theft. Phishing is a high-tech scam that uses pretentious phone calls, pretentious emails or pop-up messages to deceive you into disclosing your bank account information, Social Security number, passwords, or other sensitive information.


Phishers may call or send an email or pop-up message that claims to be from a business or organization that you deal with – for example, your bank or even a government agency. The message usually says that you need to “update” or “validate” your account information. It might threaten some dire consequence if you don’t respond. The message directs you to a Web site that looks just like a legitimate organization’s site, but it isn’t. The purpose of the bogus site is to trick you into divulging your personal information so the operators can steal your identity and run up bills or commit crimes in your name. IT IS IMPORTANT TO NOT RESPOND TO SUCH PHONE CALLS OR E-MAILS!


  • If you receive a phone call, email or pop-up message that asks for personal or financial information, do not reply or click on the link in the message. Legitimate companies don’t ask for this information via email.
  • Be cautious about opening any attachment or downloading any files from emails you receive, regardless of who sent them.
  • Never email personal or financial information. Email is not a secure method of transmitting personal information.
  • Monitor bank account statements often to determine whether there are any unauthorized charges. If your statement is late by more than a couple of days, call your bank to confirm your billing address and account balances.
  • Use anti-virus software and keep it up to date. Anti-virus software scans incoming communications for troublesome files, and can protect you from inadvertently accepting unwanted files.
  • The Federal Trade Commission works for the consumer to prevent fraudulent, deceptive and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit or call toll-free, 1-877-382-4357.
  • Use these resources to learn more about phishing and identity theft:

Corporate Account Takeover & Online Business Banking

Prevention, Detection and Reporting for Business Customers

Account Controls

  1. Reconcile all banking transactions on a daily basis.
  2. Immediately report any suspicious transactions to the financial institution.
  3. Stay in touch with other businesses and industry sources to share information regarding suspected fraud activity.

Computer Security Tools and Practices

  1. Install a dedicated, actively managed firewall. A firewall limits the potential for unauthorized access to a network and computers.
  2. Install commercial anti-virus software on all computer systems.
  3. Ensure virus protection and security software are updated regularly.
  4. Ensure computers are patched regularly, particularly operating system and key applications, with security patches.
  5. Consider installing spyware detection programs.
  6. Be suspicious of e-mails purporting to be from a financial institution, government department or other agency requesting account information, account verification or banking access credentials such as usernames, passwords, PIN codes and similar information. If you are not certain of the source, do not click any links.
  7. Create strong passwords with at least 10 characters that include a combination of mixed case letters, numbers and special characters.
  8. Prohibit the use of “shared” usernames and passwords for online banking systems.
  9. Never share username and password information with third-party providers.
  10. Limit administrative rights on users’ workstations.
  11. Carry out all online banking activities from a stand-alone computer system from which e-mail and Web browsing are not possible.
  12. Verify use of a secure session (“https”) in the browser for all online banking.
  13. Avoid using an automatic login features that save usernames and passwords for online banking.
  14. Never leave a computer unattended while using any online banking or investing service.
  15. Never access bank services or information at public computers. Unauthorized software may have been installed to trap account number and sign on information leaving the customer vulnerable to possible fraud.



Website User Agreement

This website has been established by Muenster State Bank for the sole purpose of conveying information about the Bank’s products and services and to allow communication between the Bank and its customers. Information that appears on this website should be considered an advertisement. Nothing contained in any page on this site takes the place of the Bank’s agreements and disclosures that govern its products and services. If any information on the site conflicts with that in the Bank’s agreements and disclosures, the agreements and disclosures will control.

The information and materials contained on this website are owned by Muenster State Bank or by others, as applicable. No material may be copied, displayed, transmitted, distributed, framed, sold, stored for use, downloaded, or otherwise reproduced except as permitted by law.

The Bank makes no warranties of any kind regarding the products and services advertised on this site. The Bank will use reasonable efforts to ensure that all information displayed is accurate. The Bank is not responsible for any loss, damage, expense, or penalty that result from the access of or use of this site. This includes, but is not limited to the omission of information, the failure of equipment, the delay or inability to receive or transmit information, the delay or inability to print information, the transmission of any computer virus, or the transmission of any other malicious or disabling code or procedure.

From time to time the Bank may place links to other websites on this page. The Bank has no control over any other website and is not responsible for the content on any site other than this one. Users assume all responsibility when they go to other sites via the links on this page.

This agreement may be changed from time to time by posting the new Terms of Use on the website. All users agree to be subject to this agreement as it changes from time to time.

This agreement and the use of this website are governed by the laws of the State of Texas.

Copyrights/Trademarks/Use of Site

All of the pages and screens on the Site are owned and controlled by Muenster State Bank, except as otherwise expressly stated, and are protected by U.S. copyright laws. The copyrighted materials on the Site include, but are not limited to, the text, design, software, images, graphics, source code, and the content on the Site. You are authorized to view the information available on the Site for your informational purposes only. You may download copyrighted materials for your personal or internal business purposes only. You acknowledge that you do not acquire any ownership rights by downloading copyrighted material. You may not copy, display, distribute, transfer, link to, reproduce, license, frame, alter, or republish any portion of the Site for any commercial or public purpose.