Our checking products provide standard features and offer special options to enhance your checking ability. All of our checking products accommodate check writing, debit card use, direct deposits and online banking.

Free Checking Primary Checking Prime* Checking Prime Plus* Checking Classic Gold** Checking
Min. Opening  Deposit $100 $100 $100 $100 $100
Min. Balance Requirements $0 $100 or $3 fee/stmt cycle $300 or $3 fee/stmt cycle $1,000 or $10 fee/stmt cycle $0
Maintenance Fee $0 $1/month $2/month $0 $0
Debit Card Fee $2.25/stmt cycle $0*** $0*** $0*** $0***
Non-LCB ATM Withdrawal Fee $1 per withdrawal $1 per withdrawal $0 $0 $0
Interest Bearing No No No Yes Yes
Return Item Fee / Overdraft Fee $25/item $25/item $15/item $15/item $15/item
Checking Reserve Fee**** $25/year w/out check card $15/year w/out check card $0 $0 $0

*Combined account balances of $2,500 or more in any combination of Lake Central Bank accounts required to qualify.
**Combined account balances of $5,000 or more in any combination of Lake Central Bank accounts and must be 55 years of age or older to qualify.
***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.