Personal Banking
Checking made to fit your needs.
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Varsity Account - NEW! Ages 15-18

  • Must have a parental or guardian co-owner

 

Campus Account - NEW! Ages 18-24

  • First 3 months of GenGold® free and $5/month thereafter 2
  • Foreign ATM fees charged by other banks are waived 13
  • Free college sweatshirt for all students graduating from a Varsity Checking to a Campus Checking 1

Varsity & Campus

  • $50 Deposit to Open
  • Offered to Full-Time Students 15-24
  • Convenient E-Statements
  • No ATM Fees on Foreign ATMs12
  • Mobile Optimized and Online Banking
  • StateFone Usage
  • Bill Pay ($3.00 per month will be imposed only if no bill pay transaction is completed within the month)
  • No Monthly Maintenance Fee
  • First Box of Checks Free 14
  • ATM/Debit Card 3
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Community Checking

  • Online banking
  • Convenient E-Statements
  • No monthly maintenance fee when you go paperless 9

 

Community Advantage

  • A wealth of superior benefits
  • The perfect account if you’re looking for more from your checking, more from your bank, and more for your money
  • Outlooks Extra Package – includes: No bank fee for issuance of M/O and C/C, no bank fee for license sticker renewals, free notary service, free photocopies (10 per month), discounted APR on selected new loans and lines of credit7, no rental fee on safe deposit box for the first year15, one free box of checks per year14
  • Convenient E-Statements

Community Checking

  • $100 Deposit to Open
  • Monthly Paper Statements11
  • Mobile Optimized and Online Banking
  • StateFone Usage
  • Bill Pay6 ($3.00 per month will be imposed only if no bill pay transaction is completed within the month)
  • ATM/Debit Card3
  • Bounce Guard3
  • GenGold® Free for the First 3 months and $5/month thereafter2
  • Monthly Maintenance Fee9 (To avoid the monthly maintenance fee you must maintain an average daily balance of $100 or sign up for e-statements)

Community Advantage

  • $100 Deposit to Open
  • Monthly Paper Statements11
  • Mobile Optimized and Online Banking
  • StateFone Usage
  • Bill Pay6 ($3.00 per month will be imposed only if no bill pay transaction is completed within the month)
  • ATM/Debit Card3
  • Bounce Guard3
  • GenGold® Free for the First 3 months and $2.50/month thereafter2
  • All for the Low Monthly Maintenance Fee of $5/month
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Community Premier

  • Outlooks Extra Package – includes: No bank fee for issuance of M/O and C/C, no bank fee for license sticker renewals, free notary service, free photocopies (10 per month), discounted APR on selected new loans and lines of credit7, no rental fee on safe deposit box for the first year15, one free box of checks per year14
  • First 3 months of GenGold® free and $1.50/month thereafter2
  • Competitive variable rate of interest4

Community Premier

  • $100 Deposit to Open
  • Convenient E-Statements
  • Monthly Paper Statements11
  • Mobile Optimized and Online Banking
  • StateFone Usage
  • Bill Pay6 ($3.00 per month will be imposed only if no bill pay transaction is completed within the month)
  • ATM/Debit Card3
  • Bounce Guard8 Increased Limit
  • Monthly Maintenance Fee10 (waived for consumers 55 or better, or you must maintain an average daily balance of $1000)
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Community Savings - Same Account New Name

  • $50 deposit to open
  • Convenient E-Statements
  • Quarterly paper statements
  • Mobile optimized and online banking
  • StateFone usage
  • Competitive variable rate of interest17
  • ATM card3

 

Community Money Market - Same Account New Name

  • Competitive tiered variable rate of interest5
  • ATM access3
  • Convenient E-Statements
  • Monthly paper statements
  • Mobile optimized and online banking
  • StateFone usage
  • Maintenance fee16 (to avoid the maintenance fee you must maintain an average daily balance of $1000)
  1. College Sweatshirt will not exceed $50.00.
  2. GenGold® is an Optional Product. GenGold® is free for the first three months after opting in to the product, and the low monthly fee as indicated in your account category. You must choose to “opt in” to the GenGold® product. You can “opt out” at any time by visiting one of our locations, or by phoning us at 815-223-8800. An “opt out” form will be kept on file.
  3. 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 the account type) on your account. A fee of $30.00 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.
  4. Interest compounded daily on your full balance and credited monthly on your statement date.
  5. 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.
  6. $3.00 per month will be imposed only if no bill pay transaction is completed within the month.
  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
  9. A maintenance fee of $8.00 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. The $8.00 maintenance fee is waived by maintaining the minimum average daily balance for the monthly statement cycle as indicated in your account category, or by signing up for e-statements.
  10. A maintenance fee of $8.00 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. The $8.00 maintenance fee is waived by maintaining the minimum average daily balance for the monthly statement cycle as indicated in your account category, or for anyone 55 or better.
  11. Check copies are no longer returned with paper statements. A $1.50 fee will be imposed each statement cycle for all statements delivered with check copies. The customer must “opt in” to receive check copies with paper statements. Check copies are included for all customers in the Community Premier Account who are 55 or better, or when the customer receives e-statements.
  12. LSB will not charge a fee when you use a foreign ATM.
  13. LSB will not charge a fee when you use a foreign ATM and will waive fees charged by other institutions for use of their ATM (up to $15.00 a month).
  14. LSB reserves the right to select the style of checks when ordering. Should the customer request a different style, the difference in cost will be paid by the customer.
  15. Applicable to a small box fee, larger boxes will be at a discounted rate.
  16. A maintenance fee of $8.00 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. The $8.00 maintenance fee is waived by maintaining the minimum average daily balance for the monthly statement cycle as indicated in your account category.
  17. Interest compounded daily on your full balance and credited quarterly on your statement date.