Personal Banking

Personal Checks – order online from Harland Clarke

Account TypeOpening DepositMonthly Service Charge
Preferred Checking$100Multiple Options
Minimum opening deposit $100
Unlimited check writing
No per item charges
VISA CheckCard
Internet Banking and Bill Pay

Minimum Requirements - (Monthly Fee)
Over $750 - (No Charge)
Under $750 Without Images - ($6.50)
Under $750 With Check Images - ($9.50)
Preferred Plus Checking$100Multiple Options
Minimum opening deposit $100
Interest bearing account
Unlimited check writing
No per item charges
First LCSB order of checks free
VISA CheckCard
Internet Banking and Bill Pay

Minimum Requirements - (Monthly Fee)
Over $1000 - (No Charge)
Under $1000 Without Images - ($9.00)
Under $1000 With Check Images - ($12.00)
Opportunity Checking$100Multiple Options
Minimum opening deposit $100
VISA CheckCard
Internet Banking and Bill Pay

Minimum Requirements - (Monthly Fee)
Without Check Images (Per item fees apply) - (No Charge)
With Check Images - ($4.00)
PLUS first 10 checks (per item) - ( .25)
PLUS after 10 checks (per item) - ( .40)
LCSB Second Chance Checking$100$10
Minimum opening deposit $100
VISA CheckCard
Internet Banking and Bill Pay

Unlimited transaction, non-interest bearing account.
Golden Value Checking$1,000Multiple Options
Great value for customers 62 and older
Minimum opening deposit $1,000
One free box of LCSB checks per year
$5.00 discount on Safe Deposit Box
Free Cashier’s Checks
VISA CheckCard
Internet Banking and Bill Pay

Minimum Requirements - (Monthly Fee)
Over $1000 - (No Charge)
Under $1000 Without Images - (No Charge)
Under $1000 With Check Images - ( $4.00)
Direct Deposit Checking$100Multiple Options
Minimum to open $100
Unlimited Check writing
VISA CheckCard
Internet Banking and Bill Pay


Minimum Requirements - (Monthly Fee)
One (1) direct deposit per month*
No Check Images - (No Charge)
*One (1) Direct Deposit per calendar month required. Otherwise, account will be converted to Preferred Checking. The customer must notify the bank if direct deposit is cancelled and subsequently reinstated.
Ready ReserveN/A
Access your line of credit by writing a check
Helps protect your checking account from being overdrawn
*Subject to Credit Approval
Savings Link
Link your savings account to your checking account
Helps you avoid and reduce overdraft fees
$8 fee per automatic transfer