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. All of our checking products accommodate check writing, debit card use, direct deposits, and online/mobile banking.
CHECKING ACCOUNT
Product Features
- Free Checking: Basic checking account that requires no maintenance fee or minimum balance.
- Primary Checking: Requires a minimum balance of $100, but does not charge a debit card fee.***
- Prime Checking: Requires a minimum balance of $300 and waives ATM withdrawal fees from non-Lake Central Bank machines. Perfect for people who may not make it to one of our ATM locations often.
- Prime Plus Checking: This interest-bearing account requires a minimum balance of $1,000 and includes the benefits of the primary checking and prime checking accounts.
- 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. Gold checking customers are eligible to join our Classic Gold Club!
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
Scroll table to the left to see more data.
| Free Checking | Primary Checking | Prime Checking* | Prime Plus Checking* | Classic Gold Checking** | |
|---|---|---|---|---|---|
| Min. Opening Deposit | $100 | $100 | $100 | $100 | $100 |
| Min. Balance | $0 | $100 | $300 | $1,000 | $0 |
| Maintenance Fee | $0 | $1/month | $2/month | $0 | $0 |
| Debit Card Fee | $2.25/stmt cycle | $0*** | $0*** | $0*** | $0*** |
| Non-LCB ATM Fee | $1/withdrawal | $1/withdrawal | $0 | $0 | $0 |
| Interest Bearing | No | No | No | Yes | Yes |
| Return Item/Overdraft Fee | $25/item | $25/item | $15/item | $15/item | $15/item |
| Checking Reserve Fee**** | $25/year***** | $25/year***** | $0 | $0 | $0 |
*Must have combined account balances of $2,500 or more in any combination of LCB accounts.
**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 per/stmt cycle or $1.25 fee.
****Checking Reserve is a line of credit used for overdraft protection and is available only to those who qualify.
*****Free with check card.