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.

Community Banking Lake Central Bank

Product Features

Check out our graph below for a full listing of all features, or give us a call or stop in to let us know how we can help.

Personal Checking

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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

Lake Central Bank Bankon 2024

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