Personal Checking
With more than 125 years of service, Lake Central Bank has a checking product to meet your needs, from standard checking options to special accounts. Most of our checking products accommodate check writing, debit card use, direct deposits, and online/mobile banking.
Product Features
E-Checking
Basic checking account without
check writing privileges.
- Min. Opening Deposit: $25
- Min. Balance: $0
- Non Interest Bearing
Everyday Checking
Basic checking account that allows check writing privileges.
- Min. Opening Deposit: $100
- Min. Balance: $0
- Non Interest Bearing
Enhanced Checking
An account that requires a higher minimum balance but will earn interest.
- Min. Opening Deposit: $2,500
- Min. Balance: $2,500
- Interest Bearing
Classic Gold Checking
An account for 55+ year-old customers with balances of $5,000 or more in any combination of Lake Central Bank accounts.
- Min. Opening Deposit: $100
- Min. Balance: $0
- Interest Bearing
Product Features
- E-Checking: Basic checking account that requires no maintenance fee or minimum balance.
- Everyday Checking: Basic checking account that allows check writing privileges
- Enhanced Checking: An account that requires a higher minimum balance but will earn you interest
- Classic Gold Checking: An account for 55+ year-old customers with balances of $5,000 or more in any combination of Lake Central Bank accounts.
No Cash? No Problem!
Explore E-Checking
E-Checking Features
- Basic checking account that requires no
maintenance fee or minimum balance. - Parents can easily monitor activity via
online/mobile banking. - Easily control card balance with online/mobile
money transfers. - Debit card daily limits can be set by parents.
Personal Checking
| E-Checking | Everyday Checking | Enhanced Checking | Classic Gold Checking* | |
|---|---|---|---|---|
| Min. Opening Deposit | $25 | $100 | $2,500 | $100 |
| Min. Balance | $0 | $0 | $2,500 | $0 |
| Maintenance Fee | $0 | $0 | $0 | $0 |
| Debit Card Fee | $0 | $0 | $0 | $0** |
| Non-LCB ATM Fee | $1/withdrawal | $1/withdrawal | $1/withdrawal | $0 |
| Interest Bearing | No | No | Yes | Yes |
| Return Item/Overdraft Fee | N/A | $25/item | $25/item | $15/item |
| Paper Statement Fee | $2/statement | $2/statement | $2/statement | $0 |
| Checking Reserve Fee*** | $25/year | $25/year | $25/year | $0 |
*Must have combined account balances of $5,000 or more in any combination of LCB accounts and be 55 years of age or older
**Must use card 3 times or more each statement cycle to avoid $1.25 fee
*** Checking Reserve is a line of credit used for overdraft protection and is available only to those who qualify
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