Personal Checking Accounts
Discover the right account for you.
Build.Getting back to the basics
We offer our COMMUNITY and COMMUNITY PREMIER checking accounts for those customers who prefer a more traditional style of checking account. If you’d like a less complicated, more streamlined checking product, one of these two accounts might be right for you. Although these are our most basic checking account types, they still provide access to many of the more modern banking conveniences LSB has to offer. Both accounts provide access to e-Statements, mobile and online banking, bill pay, ATM/debit cards, LSB Bounce Guard, and more. The COMMUNITY PREMIER account will even pay you a little bit of interest on your checking account balances. On the down-side, you may be charged on monthly maintenance fee for either of these accounts, but on the plus-side, the fee is low and there are ways to avoid it altogether. Please see below for more information on our COMMUNITY and COMMUNITY PREMIER checking accounts, or you can always contact one of our Personal Bankers to learn more.
Community Checking Account
La Salle State Bank’s COMMUNITY checking account is our “no frills” checking product. But it does still have some frills, just no head-scratching math. With the COMMUNITY checking account, you’ll get access to the following convenience-focused banking products:
- e-Statements,
- Mobile and online banking,
- Bill pay,
- ATM/debit cards,
- LSB Bounce Guard,
- and more (but not too much more)!
This is a great product if you just need the basics from your checking account. Yes, you may get charged a monthly maintenance fee of $8 for the COMMUNITY account, but you can avoid that charge by simply keeping your minimum average daily balance in the account for your statement cycle to $100 or more, or just sign up for e-Statements. Pretty basic, right? That’s why many of our customers still love our COMMUNITY checking account.
If you click the link below, you’ll see all of the details or just contact one of our Personal Bankers to answer any questions you have.
+ 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 included for all customers in the Community Checking account when the customer receives e-statements.
Mobile and Online Banking
Get account balances, monitor transaction in real time, transfer money between LSB accounts, make loan payments, deposit checks, and much more.
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.
Low Maintenance Fee of $8/month (Waived when qualifications are met)
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.
Community Premier Account
The COMMUNITY PREMIER checking account is our “basic plus” model. This is the account you’ll love if you want just a little more from your checking account, like interest earnings. The COMMUNITY PREMIER account is an interest bearing checking account that also offers the following convenience-focused banking products:
- Outlooks Extra Package (lots of little freebees – see the link below for the complete list),
- e-Statements,
- Mobile and online banking,
- Bill pay,
- ATM/debit cards,
- LSB Bounce Guard,
- and more (but not too much more)!
See this page of our website (all the way at the bottom) for more information on the interest rate for the COMMUNITY PREMIER account. Also, like with the COMMUNITY checking account above, you may get charged an $8 monthly service fee with the COMMUNITY PREMIER account, but you can easily avoid that charge by maintaining an average daily balance for your statement cycle of $1,000 or more. The fee is also waived if you’re 55 years old or older.
Are you feeling like the COMMUNITY PREMIER account is the right one for you? If you click the link below, you’ll see even more details, or just contact one of our Personal Bankers to answer any questions you have.
+ View Community Premier Account Details
$100 Deposit to Open
Earns interest based on a competitive variable rate
Interest compounded daily based on your full balance and credited monthly on your statement date. Check our website for rate information or ask one of our Personal Bankers.
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 for all customers with a Community Premier account who are 55 years old or better, or when the customer receives e-statements.
Mobile and Online Banking
Get account balances, monitor transaction in real time, transfer money between LSB accounts, make loan payments, deposit checks, and much more.
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 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.
Low Monthly Maintenance Fee of $8/month (Waived when qualifications are met)
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. This fee will be waived for all account holders 55 years old or better, or customers who maintain an average daily balance of at least $1,000. 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.