The online banking system is unable to be accessed at this time.

Our apologies for any inconvenience. Please reach out to us with any questions or concerns. We will update this section as soon as the online banking system is accessible.



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.

No Cash? No Problem!

Digital banking tools that build healthy financial habits.

Explore E-Checking

Our E-Checking is perfect for a teen starter account. It offers debit card use, direct deposits, and 24 hour monitoring through online/mobile banking.

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

Scroll table to the left to see more data.
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

You are now leaving Lake Central Bank

NOTICE: You are about to leave the Lake Central Bank website. Lake Central Bank, any of its agents, representatives or service providers do not control, filter, or review the content of any website that is linked to the Lake Central Bank's website.Lake Central Bank's Privacy Policy does not apply to linked websites and users who browse to a linked website should consult the privacy disclosures on the linked website for further information. Users who browse to a linked website do so at their own risk. Your choice to continue confirms you understand that you are leaving the Lake Central Bank website.

You will be redirected to

Click the link above to continue or CANCEL


Click to sign up for online banking. 


Click to log into your online banking account. 

State Bank Of Danvers Logo 1.png

Come Celebrate the Merger!

Join us on Wednesday, July 17th from 3-6 pm at our Benson location! We’ll have food, fun giveaways, and free document shredding for customers.

Welcome to the Lake Central Bank Family.

We are thrilled to add Benson as our latest branch location to Lake Central. Welcome to the family, where you will find an expanded range of banking services designed to meet your financial needs.
Lake Central Bank Logo Mark Wh.svg