Frequently Asked Questions

 The routing number is 113025723. 

Stellar Bank has 54 full-service banking centers located throughout Houston, Beaumont, East Texas and Dallas. Find yours here. 

Only verified banks can use the .BANK domain, providing you with the highest level of security. Moving to .BANK allows Stellar Bank to prioritize and enhance our cybersecurity against phishing and spoofing, the leading causes of breaches, identity theft and financial fraud. A .BANK domain is like ‘.gov’ and ‘.edu’, but for the banking sector. By looking for .BANK at the end of an email address or website URL you can confirm they are authentically from a bank helping protect you from cyberattacks that steal personal information or login credentials.

The Customer Service number is 713.499.1800.

The Debit Card Support and Bank By Phone number is 844.378.7564. 

All clients are automatically set up for Telephone Banking. To get set up call 844.378.7564 and follow the prompts to set up your Telephone Banking PIN.

Stellar Bancorp, Inc. is the holding company for Stellar Bank and is traded on the NYSE under the symbol STEL.  Please visit our Investor Relations page to learn more or email us at [email protected].

Stellar Bank is always looking for qualified individuals who are interested in making a career in banking. For 13 consecutive years, Stellar Bank has been voted Houston Chronicle’s Top Workplaces. For more information and view employment opportunities, please visit our Careers page to learn more.

Stellar Bank has a full team of specialists who offer cash management consulting and ongoing service and support.  From fraud prevention and security to information reporting and funds management, our team can advise you on ways to make your business agile and structure your accounts to help your business thrive.  Learn more. 

Stellar Bank offers a variety of personal checking accounts that are designed to fit your personal checking needs.  For a complete list of personal checking account options,click here. 

Please bring the following documentation along when you stop by the bank to open your account:

Valid driver's license for account signers

• OR permanent resident alien card (AKA green card)
• OR current and valid passport

Social Security Number (card not required)
New bank customers must be present to open an account

You can access your account by visiting stellar.bank and logging into online banking or by downloading the Stellar Bank mobile app.

Both business and personal accounts can take advantage of online banking.

Stellar Bank offers integration with Quicken® and QuickBooks®, enhanced security, Bill Pay, consistent features, functions and user experience across all devices and more.

• An active account (checking, savings, certificate of deposit (CD), or loan)
• Driver’s License, Social Security number, and Zip Code

You will create your online banking login ID during the initial enrollment. It can be changed at any time in online banking by going to Settings/Security Preference.

Please contact us at 713.499.1800 Monday – Friday from 8 a.m. - 5 p.m. CST and a member of our team will be happy to assist you.

You should be able to see all of your consumer accounts that share a common online banking login ID. If you have any questions or need to request additional accounts send us a message though your online banking. Request may take up to one business day to process.

Contact our Customer Service Department for assistance at 713.499.1800. Below are some basic troubleshooting tips.

Cookies can sometimes cause problems when logging in. Instructions on how to correct this depends on the customer’s web browser, but generally the customer can go to the browser Tools menu and see the Internet Options. Once in the Internet Options, you need to follow the steps to delete Cookies or Browsing History. You will then need to close your current browser window and open a new one. Once the cookies and/or browsing history have been deleted, try to log in again.

Add our web address to your browser’s trusted websites.

Please contact your Business Online Banking Administrator or call customer service at 713.499.1800.

Please click here to begin the online enrollment process.

The online banking administrator is required to properly activate the Bill Pay module within the new Stellar Bank online banking system. Until this action is taken, the Bill Pay sub-users will receive an error message and will not be able to access the Bill Pay system. 

Account balances are usually up-to-date. Pending transactions can take a few days to post and will not display in the running balance.

You can enroll, view and change your statement delivery preferences any time. Enroll in eStatements by going to Services & Statements and selecting "Sign Up/Changes." New statements generated after your enrollment will display in online banking. You will need to have Adobe Acrobat Reader® Software to view the statement.

Our bill pay cut off time is at 2 p.m. CST. Payment made after 2 p.m. CST will process on the next business day.

This service allows you to view and track your monthly spending, as well as create budgets for your accounts.

Set up alerts to monitor your account regularly. Enroll by going to Settings & Alerts and click on +New Alert. Contact customer service immediately if you see unauthorized activity by calling 713.499.1800. We are available Mon-Fri 8 a.m. - 5 p.m. CST. It is recommended to change your password if you believe you have been a victim of fraud.

It is highly recommended to turn off pop-up blockers when using Consumer Online Banking. Some information or screens will appear in pop-ups.

Autobooks is a tool for business customers that allows you to send invoices, accept payments, and keep track of customers from online banking.

Business owners must have a checking account and access to online banking to enroll in Autobooks. The following business types are a great fit:

• Any business that bills/invoices for products/services
• Service-based businesses
• Non-Profits seeking to collect online donations

You pay no monthly subscription fee to use the basic tools of Sending an Invoice and Accepting Payments. If you upgrade to add accounting and reporting features, you’ll pay a monthly subscription fee of $9.99 (plus applicable tax). You can try the advanced Autobooks version free for 30 days, then just $9.99 per month (plus applicable taxes).

Regardless of what tool you use, you will pay processing fees to accept payments from your customers.

• If the end customer uses a credit or debit card to pay your business, as the business owner you will incur a processing rate of 3.49% of the amount paid. For example, if the end customer pays your business $100 using their credit card, as the business owner you will be charged a processing fee of $3.49. This fee is debited from your checking account.
• If the end customer pays with a bank transfer, as the business owner you will incur a processing rate of 1.00% of the amount paid. So that same $100 payment will come with a processing fee of $1.00. As the business owner you can choose to pass these fees on to the end customer by itemizing your invoice or adjusting the total amount due. NOTE: as the business owner, you will want to check if your state or local authority allows you to pass along processing fees. Whether or not it’s allowable can vary by state or region.

With Autobooks you can:

• Create professional digital invoices
• Accept payment by credit/debit card or bank transfer
• Keep track of payments made or outstanding
• Generate reports like balance sheets, sales tax, and more

Yes! Autobooks has partnered with Stellar Bank to bring you a secure invoicing, payment, and accounting platform.

You can accept payments from debit cards, credit cards, savings or checking accounts.

Autobooks payments are deposited to your account within 1-2 business days for no extra fee and no extra transfer work.

You can self-enroll right inside of online banking! Just log in and click on the My Toolkit tab under the Menu section and select the Autobooks payment tools to start. If you need help, reach out to Autobooks at 866.617.3122.

The Autobooks Team is here to help! Reach out to them:

• By Phone:   866.617.3122
• Open a Ticket on the Autobooks support page
• Search the Autobooks knowledge base at Autobooks.co

No. Autobooks lives completely inside of online banking, and no additional software is required.

Autobooks is an extremely affordable accounting solution with features that are the right size for a small business. You can access complete accounting tasks right in online banking, without having to upload or download your banking data to another app.

For most small businesses, it can. Autobooks is a simple way to keep your business accounting organized right within online banking. You can even import your QuickBooks® data right into Autobooks so you can see the difference for yourself. Some businesses do choose to add Autobooks on top of their existing systems to utilize our payment tools.

Visit the Autobooks page on our Stellar Bank website or visit Autobooks.co for more details.

You can also talk with an Autobooks Specialist by calling 866.617.3122, Monday through Friday, from 9 am – 6 pm ET.

You can cancel your subscription within your online banking profile by opening the My Toolkit tab, selecting the Autobooks tile labeled Purchase, then clicking the Manage App button, and clicking the Cancel Subscription Button. Please note that if you choose to cancel via this option, you will lose all Autobooks transaction history.

If you would like to first download and save your transaction history, please cancel your Autobooks subscription by contacting Autobooks directly at 866.617.3122, Monday through Friday, from 9am - 6pm ET. Autobooks will send you a transaction report.

Recipients must be enrolled with Zelle® to receive their money. Check to see if you’ve received a payment notification via email or text message. If you haven’t received a payment notification, we recommend following up with the sender to confirm they entered the correct email address or U.S. mobile phone number. Please have the sender check with their financial institution to assist in locating the payment.

Log into our mobile app, click “Send Money with Zelle”, and view the accounts you are able to pay from.

This is the message that is displayed if the user is already registered.

Please reach out to your account officer.

There is no limit to the number or dollar amount of incoming transactions a user can receive.

Have the friend verify the email and or phone number the money was sent to. If correct, please have them reach out to their institution to assist in locating the payment.

If the person has not yet enrolled with Zelle®, you can try to cancel the payment. To check whether the payment is still pending, go to your Zelle® activity page in our Stellar Bank mobile app, find your transaction to see if it is still listed and pending, and if so, choose the payment you want to cancel, and then select “Cancel This Payment.”

If the person you sent the money to has already enrolled with Zelle®, the money is sent directly to their bank account and cannot be canceled. If the payment is no longer pending, please call us immediately at 713-499-1800 so we can help you.  

If the customer needs to escalate this for non-receipt of payment or is claiming fraud.  Open a Reg. E Case for Zelle within Reg. E Manager. This will route it to a Reg. E Specialist for investigation.

Log into our Stellar Bank mobile app, click “Send Money with Zelle®”, and then click “Activity.” If the payment is listed as “pending,” the recipient has not yet enrolled with Zelle® and has not received the money. If the payment is listed as “Completed,” the money moves directly into the account, typically in minutes. 

This feature is not yet available.

Log into our Stellar Bank mobile app, select “Send Money with Zelle®,” then “Update Contact Information” and update the information enrolled with Zelle®.

Now that the bank has the Zelle® product within the Stellar Bank mobile banking app, a debit card is no longer being used.

We are not able to offer Zelle® for Business. This is a consumer product offering.