Personal Banking
Checking Products

Optional Account Services

ATM Card

We operate one of our area’s largest networks of ATMs providing you convenient access to your cash. Whenever you need quick cash, you can visit one of our local ATMs or any one of the more than 200,000 ATMs worldwide.

Bounce Guard™

As long as you maintain your account in good standing (as defined in the terms disclosed to you upon opening your account and by making deposits and bringing your checking account to a positive balance at least once every 30 days), the La Salle State Bank will honor your overdrafts up to the Bounce Guard limit assigned to your account type. This privilege extended to you provides you with peace of mind, knowing your checks will be honored up to your Bounce Guard overdraft limit. You do not have to sign anything, and it costs you nothing unless you write a check for more than you have on deposit in the account. Up to this overdraft limit, the bank will pay the check and charge the bank’s standard OD/NSF processing fee.


This is the card to carry. It has all the great features of a credit card– flexibility, worldwide acceptance, and safety. Yet it acts as a check, with purchases or ATM withdrawals taken directly from your checking account. Simply present the CheckCard anywhere you spot the familiar MasterCard logo, and your purchase amount will automatically be deducted from your checking account. Every transaction will appear on your monthly statement with the detailed information you need: amounts, dates, and locations. So easy . . . you’ll never want to write a check again!


StateFone can be reached at 815-223-8801. With StateFone, bank-by-phone system, you’re provided with 24-hour convenience every day of the week. Our system will allow you to conduct most of your routine banking right from the phone. Using StateFone is easy... simply have your Account Numbers and the Primary Accountholder’s Social Security Number ready when you call. (When using StateFone for the first time you will be asked to establish a Personal Identification Number.)

With our StateFone system, you can:

  • Investigate Account Balances & Cleared - Check Status
  • Transfer Funds Between Accounts
  • Investigate Loan Balances & Interest Information

LSB Student Pak

The LSB Student Pak helps you build good credit and allows easy access to your cash through our eLSB Internet Banking program, your ATM card or CheckCard, and gives you unlimited check writing from your eLSB Account from any college campus in the country! Your LSB Student Pak includes: An eLSB Easy PLUS+ Checking Account; ATM Card; application for our CheckCard and Student Credit Card; and, a free box of personalized checks.

Direct Deposit

Enjoy the convenience of our free Direct Deposit service! For immediate access to your money, you can authorize to have any of the following types of checks deposited directly into your account free of charge:

  • Pay Check
  • Pension Check
  • LSB CD Interest Check
  • Any Government Recurring Payment
  • Tax Refund

You provide the information . . . we’ll do the paperwork . . . It’s fast! It’s convenient! It’s easy!

Direct Payment

The Direct Payment Program helps to save you both time and money with no checks to write, no checks to mail, no postage, and no late fees to worry about. With the La Salle State Bank’s Direct Payment Program you can choose to have certain monthly fixed expenses charged directly to your checking account on the day the amount is due.

Some Direct Payment opportunities include:

  • LSB Loan Payments
  • LSB’s Savings Club
  • Auto Lease Payments
  • Insurance Premiums
  • Area Club Membership Fees

You provide the information . . . we’ll do the paperwork . . . It’s fast! It’s convenient! It’s easy!

Overdraft Protection Plan

Through the Overdraft Protection Plan, your LSB Savings Account serves as an emergency cash line tied to your checking account so you won’t have to worry about overdraft fees, costly service charges, or returned checks.

eLSB Internet Banking

Are you banking online, yet? Whether you appreciate the flexibility of the Internet, or you prefer to track your finances from the comfort of your own home or business– our eLSB Internet Banking solution awaits you. Our eLSB Internet Banking solution is ready whenever and wherever you are, 7 days a week, with these convenient services: We offer a full array of convenient online service abilities:

Basic Features:

  • Review account balances
  • Make loan payments
  • Transfer funds between accounts
  • Enroll in eLSB Bill Pay & Bill Presentment

Value Added Features:

  • Verify if checks have cleared or payments have posted
  • View images of checks as they clear the bank
  • Schedule future funds transfers
  • Reconcile accounts
  • Generate custom reports
  • Receive eStatements
  • Stop Payment on checks
  • Track stock portfolios

Try our new eLSB Internet Banking demo and get signed up online, today!

eLSB Internet Bill Pay

Our eLSB Internet Bill Pay and Presentment provides a secure way to pay and receive all of your bills, anywhere anytime, without writing checks, purchasing stamps, trips to the post office or even visiting multiple websites! With eLSB Internet Bill Pay, you receive, view, manage and pay bills at one convenient website... our website!

Internet Bill Pay is fast, easy and convenient. This service provides access to the most efficient electronic bill payment and presentment service available. It makes your life easier by allowing you to automate the tedious task of making payments by hand.

Once you begin using eLSB Internet Bill Pay, you’ll find it:

  • Convenient – You can pay anyone, anytime, and anywhere in the U.S. You can set-up e-mail alerts for electronic bill arrivals and even schedule automatic payment rules for each biller.
  • Cost-Effective – eLSB Bill Pay saves you check, stamp and envelope expenses, trips to the post office, and most of all... your time! You may even use multiple funding accounts to pay bills.

La Salle State Bank’s Internet Banking service is protected under the latest and most powerful Internet security firewall platform. Our organization uses an Internet banking processing unit whose team of technical security specialists work toward ensuring that all financial transactions, data transmissions and communications are completed in a secure Internet environment.

Access to eLSB Internet Banking and Bill Pay service is available to all "LSB Easy Plus+, Personal, N.O.W., Club Premier and Premium Money Market" checking account customers. There is no monthly fee to use our Internet Banking or Bill Pay service. Some of our select checking account packages even include several monthly eLSB Bill Pay transactions at no per item cost to you! Ask a LSB Personal Banker to help find the account that’s best for you, today!

To activate eLSB Internet banking or Internet Bill Pay you simply complete our brief online eLSB Internet Banking Application Form. To immediately access this form, you can click here. Or, visit us at any of our convenient locations in La Salle, Peru, and Utica. Once this automated and convenient process is completed, a La Salle State Bank Personal Banker will contact you to verify your identity for your safety and instruct you on how to quickly access your accounts.