| |
FREEDOM |
DOLLARWISE |
NOW |
PRESIDENTIAL |
WORKPLACE |
55 PLUS |
STUDENT |
Account
Designed For |
This account lives up to its name with no monthly minimum balance and no monthly service charges. It truely is FREEDOM CHECKING! |
Perfect for the individual who wants a basic checking account without having to worry about keeping your average balance above a certain level. |
This account has everything you would ever want from an interest bearing* account, including an imaged statement, tiered rate structure and many extras! |
LSB's Presidential checking offers all the premier account features an informed consumer would demand from their checking. |
Enjoy the premier features of LSB's Presidential checking, without the minimum balance requirement! Available to employees of qualifying employers. |
If you are 55 or over, you've earned the "extra" features we've packed into this interest bearing* account, including FREE checks, FREE ATM or SHAZAMChek® card, and a FREE small safe deposit box! |
For students between the ages of 18-23, this account offers a FREE ATM or SHAZAMChek® card, NO minimum balance requirements, and 150 FREE checks! |
Minimum Amount
To Open |
$100 |
$100 |
$100 |
$100 |
$100 |
$100 |
$100 |
Minimum Average
Daily Collected Balance |
$0 |
$0 |
$2,000 |
$500 |
$0 |
$2,500 |
$0 |
| Monthly Service Charges |
$0 |
$1.50 |
If avg. collected daily balance** falls below $2,000 for statement cycle, then a $4.50 maintenance fee and $0.15 withdrawl fee for each debit over 3 applies. |
If avg. collect daily balance** falls below $500 for statement cycle, then $5.50 maintenance fee and $0.15 withdrawl fee for each debit over 25 applies. |
NO service charges apply if employed by a qualifying employer! |
If avg. collected daily balance** falls below $2,500 for statement cycle, then a $7.50 maintenance fee applies. |
$0 |
| FREE LSB Checks |
0 |
0 |
150 |
150 |
150 |
Unlimited! |
150 |
| FREE Online Banking |
X |
X |
X |
X |
X |
X |
X |
| FREE Online Bill Pay |
X |
X |
X |
X |
X |
X |
X |
| FREE Telephone Banking |
X |
X |
X |
X |
X |
X |
X |
| FREE Research |
$1/image $10/statement |
$1/image $10/statement |
X |
X |
X |
X |
$1/image $10/statement |
| Image Statement with FREE Binder |
Statement does not include images or cancelled checks. |
Statement does not include images or cancelled checks. |
X |
X |
X |
X |
Statement does not include images or cancelled checks. |
| ATM / SHAZAMChek® Debit Card |
$12.00 annual fee per card. |
$12.00 annual fee per card. |
$12.00 annual fee per card. |
$12.00 annual fee per card. |
$12.00 annual fee per card. |
FREE! |
FREE! |
| Earns Interest* |
|
|
X |
|
|
X |
|
Overdraft Protection
Available1 |
X |
X |
X |
X |
X |
X |
X |
| Other Account Features |
| | |
FREE for individuals over the age of 55. |
Premium CD Rate & Discounted Loan Rate. |
FREE Small Safe Deposit Box. |
|
* Interest payment is based on the daily balance method. This method applies a daily periodic rate to the balance in the account each day. The interest rate and the annual percentage yield on the account may change at any time based on the bank's discretion.
**The average collected daily balance is calculated by adding the collected balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the monthly statement cycle.
1 Overdraft protection includes three different solutions: Savings Transfer, Ready Reserve or Overdraft Privilege. Some accounts are not eligible for all overdraft protection solutions. Ask your LSB representative for details. |