La Salle State Bank's Personal Checking Account Page

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Why an LSB Checking Account? At La Salle State Bank we stick to the business we know best– meeting your Financial Service Needs! We get you started with only the products and services you need and want!

We carefully researched the various products and services tied to our checking accounts. We don’t sell you services you don’t need and don’t want. The result is a complete checking account with no fluffy features or gimmicky benefits.

We offer a wide variety of Checking accounts
and don't forget about our great account services.

LSB Checking Accounts and Account Descriptions
To learn more see the comparison chart below "click here."

Optional Services

LSB Easy Checking
When we say "easy" checking we mean business . . . with no minimum balance requirements, monthly maintenance fees, or hidden charges. Just "Easy" Checking pure and simple.

LSB Easy PLUS+ Checking
The straight forward approach you want for quick "Easy" access to your account information via our eLSB Internet Banking solution.

LSB Personal Checking
With our Personal Checking account and "Outlook Extras" package, you get a wealth of superior benefits related strictly to the needs you’re concerned with most- your money! The perfect account if you're looking for more from your checking, more from your bank, and more for your money.

LSB N.O.W. Account
Our Interest Bearing checking account, or N.O.W. account, is designed to maximize your earning potential by applying a competitive rate of interest to your available checking balance. You’ll enjoy complete availability of funds, unlimited check writing, and no monthly maintenance fee when you maintain an average daily balance of just $1000.

LSB Club Premier Account (For Patrons 55 Years or Better)
Our Club Premier account is more than simply a checking account... it’s an exclusive membership program which provides our patrons, who are 55 years and better, with an enhanced line of quality bank products and services. This special interest bearing account is just one way of saying: "Thank you for doing business with us."

High Balance Interest Bearing Account Options

LSB Premium Money Market
This exclusive and distinguished Premium account takes "aim" at higher yields while maximizing convenience. Open with a minimum of $1,000 and SCORE BIG! This is a tiered rate account with a competitive and regularly adjusted rate of interest. As your daily balance surpasses each tier, you’ll earn a higher rate of interest which will yield an even greater return.

LSB Personal Checking Accounts

Special Account Features

Interest

Monthly
Maintenance
Fee

Minimum Balance

LSB Easy Checking

- ATM & CheckCard Access¹
- LSB Bounce Guard¹
- Monthly Combination Statement
- Unlimited Checking Writing Privileges

No Interest

LSB Easy Plus+ Checking

Same features as Easy Checking, PLUS:
- eLSB Internet Banking Access
- eLSB Internet Bill Pay Access⁴

No Interest

$0 or $8⁵

$100 or $0

LSB Personal Checking

- LSB Outlook Extras Package
- eLSB Internet Banking Access
- eLSB Internet Bill Pay Access with 6 Free Transactions⁴
- ATM & CheckCard Access¹
- LSB Bounce Guard¹
- Monthly Combination Statement
- Unlimited Check Writing Privileges

No Interest

LSB N.O.W. Account

Same features as Personal Checking PLUS:
- Interest Bearing Account

Yes²

$0 or $8³

$1,000 or $0

LSB Club Premier Account
(for patrons 55 years or better)

Same features as Personal Checking, PLUS:
- Interest Bearing Account
- Community Club Clips Newsletter
- No Minimum Balance Requirement
- Bonus eLSB Bill Pay - 10 Free Transactions⁴ - Increased Bounce Guard Protection⁸

Yes²

High Balance Interest Bearing Account Options

Optional Services

LSB Checking Accounts

Special Account Features

Interest

Monthly Maintenance Fee

Minimum Balance

LSB Premium Money Market

- Tiered Variable Interest Bearing Account
- eLSB Internet Banking Access
- ATM Access
- Monthly Combination Statement
- Transactions limited to 6 transfers from your account (no more than 3 may be payments by check to third parties, each month.)

Yes⁶

$0 or $8³

$1,000 or $0

LSB Outlook Extras Package

i No Bank Fee for Issuance of Money Orders, Cashier’s Checks, or Travelers Checks
i No Bank Fee for License Sticker Renewals
i Free Notary Service
i Photocopy Service - 10 Free Photocopies per Month
i Discounted Annual Percentage Rate (APR) for selected new loans and lines of credit⁷ with Auto Debit
i FREE StateFone 24 Hour Bank-by-Phone Access
i Access to eLSB Internet Banking and 6 FREE Monthly Bill Pay Transactions⁴

This website contains a summary of the terms, features and conditions of the La Salle State Bank deposit accounts. It is intended to be read in conjunction with the Deposit Account Disclosure. Some of the La Salle State Bank products and services are subject to eligibility. The La Salle State Bank reserves the right to change the terms, features and conditions of this summary at any time.
Account Feature Footnotes
¹	Subject to eligibility requirements. As long as you maintain your account in good standing, we may honor overdrafts up to the "LSB Bounce Guard" limit (determined by account type) on your account. A fee will be imposed for every item paid utilizing LSB Bounce Guard (Please refer to our current fee schedule). You must bring your account to a positive balance at least once every 30 days. Normally we will not approve an overdraft in excess of the predetermined amount assigned to your account type. We may refuse to pay an overdraft for you at any time, even though we may have previously paid overdrafts for you.	²	Interest compounded daily on your full balance and credited monthly on your statement date.
³	A maintenance fee of $8 will be imposed each monthly statement cycle if the average daily balance for the monthly statement cycle falls below the minimum balance as indicated in your account category. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.	⁴	No Monthly service fee will be imposed for the eLSB Internet Bill Pay service, in this account category. A per item fee will be imposed. Please refer to our fee schedule for the current per item fee. All customers with an LSB checking account which includes the "LSB Outlook Extras Package" will receive a bonus Bill Pay package which includes a total of 6 free Bill Pay checks per statement cycle; after which, a per item fee will be assessed.
⁵	A maintenance fee of $8 will be imposed each statement cycle if at anytime the balance in the account falls below the $100 minimum during the statement cycle.	⁶	Tiered variable rate of interest. Interest is computed by using the daily balance method and is credited to the account monthly on the statement cycle date.
⁷	Receive a discounted Annual Percentage Rate (APR) for selected new loans and lines of credit when your monthly payment is automatically deducted from any LSB checking account with the Outlook Extras Package. All loans, lines of credit and credit cards are subject to credit approval.	8	LSB Bounce Guard and increased coverage subject to eligibility requirements.