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.
CHECKING ACCOUNT
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
- Primary Checking: Requires a minimum balance of $100, but does not charge a debit card fee.***
- 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.
| E-Checking | Everyday Checking | Primary Checking | Classic Gold Checking* | |
|---|---|---|---|---|
| Min. Opening Deposit | $25 | $100 | $100 | $100 |
| Min. Balance | $0 | $0 | $100** | $0 |
| Maintenance Fee | $0 | $0 | $1/month | $0 |
| Debit Card Fee | $0 | $0 | $0*** | $0*** |
| Non-LCB ATM Fee | $1/withdrawal | $1/withdrawal | $1/withdrawal | $0 |
| Interest Bearing | No | No | No | Yes |
| Return Item/Overdraft Fee | N/A | $25/item | $25/item | $15/item |
| Paper Statement Fee | $2/statement | $2/statement | $0 | $0 |
| Checking Reserve Fee**** | $25/year | $25/year | $15/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
** If $100 min. balance is not maintained then $3/statement cycle
***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
***** Free with check card