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Personal Banking

Save, Spend & Grow

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Banking that makes your life easier.

Our business is built on providing great customer service, from our people to our products. You worked hard for your money. Managing it should be easy.

Surcharge-free ATM Withdrawals

Surcharge-free access to more than 25,000 ATMs.

Text & Email Alerts

Setup automatic notification of account activities, including minimum and maximum balance thresholds, NSF/OD activity, loan payment and time deposit renewal information.

Use Zelle® for Free

Transfer funds with others, no matter where they bank.

Mobile Wallet

Keep your cards handy with Apple Pay,® Samsung Pay,Google Pay™ and more.

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Business woman on a laptop


With eStatements, you will be notified by email each month when your eStatement is ready for review. The eStatement not only includes the same comprehensive information as a paper statement, you’ll even receive images of the front of your cancelled checks. The eStatement is available sooner and is more secure. An established Internet Banking profile and a verified e-mail address are required.

Learn More About eStatements

Safe Deposit Boxes

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    Senior Customer Service Representative

    “I am proud to be a Lubbock native. The friendly people and the growth of our community make working and living in Lubbock all the more special to me. We truly are the hub of the Plains. I am so blessed God placed me on the path of this exciting adventure nearly 15 years ago. Our culture and employees continue to set us apart from our competitors and make Happy the Best Bank to Work for.”

    About Happy


    Market Retail Leader

    “I absolutely love West Texas. The people here are so caring and just like family. Raising my boys here and seeing them grow up as BOLD GOLD ANTELOPES means so much to me! I also love community banking, and Happy is the best in community banking. I am grateful to work for a bank that supports and loves our hometown as much as I do.”

    Hear Our History
    Ashley Hawkins, employee

Live the Happy life.

Make sure you're set up to make the most out of every moment. When it comes to your financial lifestyle, we're here to help.
Photo of a multi-generation family having dinner outdoors in their back yard, while their little boy is celebrating his birthday