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Hennepin, IL

Begin. Student Accounts

Varsity Account

The perfect account when you are just starting out on your path to independence.

Varsity Account Details

  • $50 Deposit to Open 
  • Must have a parental or guardian co-owner
  • Offered to Full-Time Students 15-18
  • Convenient E-Statements 
  • No ATM Fees on Foreign ATMs
    LSB will not charge a fee when you use a foreign ATM. (Up to $15 a month)
  • Mobile and Online Banking 
  • StateFone Usage
    Get account balances, transfer money between LSB accounts, register your debit card from your phone by calling 815-223-8801 (Password required).
  • 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
    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.
  • ATM/Debit Card
  • Free College Sweatshirt
    For all students graduating from a Varsity Checking to a Campus Checking. College Sweatshirt will not exceed $50.00.

Campus Account

The college checking account that works for you no matter which campus you choose.

View Campus Account Details

  • $50 Deposit to Open 
  • Offered to Full-Time Students 18-24
  • Convenient E-Statements 
  • No ATM Fees on Foreign ATMs
    LSB will not charge a fee when you use a foreign ATM (Up to $15 a month).
  • Mobile and Online Banking 
  • StateFone Usage
    Get account balances, transfer money between LSB accounts, register your debit card from your phone by calling 815-223-8801 (Password required).
  • 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
    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.
  • ATM/Debit Card
  • GenGold® 
    First 3 months free and $5/month thereafter. 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. 
  • Free College Sweatshirt
    For all students graduating from a Varsity Checking to a Campus Checking. College Sweatshirt will not exceed $50.00.
Early Checking Accounts

Build. Community Checking & Advantage

Community Checking Account

As part of the Community, you’ll feel right at home with the Community Checking Account.

View Community Checking Account Details

  • $100 Deposit to Open
  • Convenient E-Statements or Paper Statements
    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 free when the customer receives e-statements.
  • Mobile and Online Banking
  • StateFone Usage
    Get account balances, transfer money between LSB accounts, register your debit card from your phone by calling 815-223-8801 (Password required).
  • Bill Pay
    $3.00 per month will be imposed only if no bill pay transaction is completed within the month
  • ATM/Debit Card
  • Bounce Guard
    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 of $500.00 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.
  • GenGold®
    Free for the First 3 Months and $5/Month Thereafter. 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.
  • Waived Maintenance Fee
    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 of $100, or by signing up for e-statements.

Community Advantage Account

When you are looking for more from your checking account, take advantage of the benefits that come with the Community Advantage Account.

View Community Advantage Account Details

  • $100 Deposit to Open
  • Outlooks Extra Package – includes:
    • No bank fee for issuance of Cashier's Checks and Money Orders.
    • No bank fee for license sticker renewals
    • Free notary service
    • Free photocopies (10 per month)
    • Discounted APR on selected new loans and lines of credit
      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 account. All loans, lines of credit and credit cards are subject to credit approval.
    • No rental fee on safe deposit box for the first year
      Applicable to a small box fee, larger boxes will be at a discounted rate.
    • One free box of checks per year
      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.
  • Convenient E-Statements or Monthly Paper Statements
    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 when the customer receives e-statements.
  • Mobile and Online Banking
  • StateFone Usage
    Get account balances, transfer money between LSB accounts, register your debit card from your phone by calling 815-223-8801 (Password required).
  • Bill Pay
    $3.00 per month will be imposed only if no bill pay transaction is completed within the month
  • ATM/Debit Card
  • Bounce Guard
    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.
  • GenGold®
    Free for the First 3 Months and $2.50/Month Thereafter. 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.
  • Low Monthly Maintenance Fee of $5/Month
Community Checking and Advantage

Maintain. Community Premier

Community Premier Account

The premier account for customers who want to maximize their money.

View Community Premier Account Details

  • $100 Deposit to Open
  • Outlooks Extra Package – includes:
    • No bank fee for issuance of Cashier's Check and Money Orders
    • No bank fee for license sticker renewals
    • Free notary service
    • Free photocopies (10 per month)
    • Discounted APR on selected new loans and lines of credit
      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 account. All loans, lines of credit and credit cards are subject to credit approval.
    • No rental fee on safe deposit box for the first year
      Applicable to a small box fee, larger boxes will be at a discounted rate.
    • One free box of checks per year
      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.
  • GenGold®
    First 3 months free and $1.50/month thereafter. 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.
  • Competitive variable rate of interest
    Interest compounded daily on your full balance and credited monthly on your statement date. Ask your personal banker for current rates.
  • Convenient E-Statements or Monthly Paper Statements
    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 (upon notification to the bank), or when the customer receives e-statements.
  • Mobile and Online Banking
  • StateFone Usage
    Get account balances, transfer money between LSB accounts, register your debit card from your phone by calling 815-223-8801 (Password required).
  • Bill Pay ($3.00 per month will be imposed only if no bill pay transaction is completed within the month)
  • ATM/Debit Card
  • Bounce Guard
    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 of $1,000.00 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. 
  • Monthly Maintenance Fee
    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. Waived for consumers 55 or better, or you must maintain an average daily balance of $1000. 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.
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