Checking for everyone so they can do just about everything

We’ve designed our personal checking programs with one simple goal in mind: so that our customers have a checking solution that’s perfect for them. Of course, every offering comes with LNB’s exceptional service and convenient technology. So, let’s get started today and find the best checking solution for you!


Personal Checking Offerings

Click on any of the service offerings below to view more information.

  • FREE REWARDS CHECKING AccountReady to earn big rewards?

    This free, high-interest checking account will help you earn and save big.

    • Earn up to 2.01% APY* on balances up to $15,000**
    • 0.01% APY if qualifications aren't met
    • It’s FREE!
    • No minimum balance
    • No monthly maintenance fee
    • Free nationwide ATMs***

    Want to earn even more? Pair this checking account with an LNB Free Rewards Saver savings account.

    Account Features:

    • Direct Deposit
    • Free Online Banking
    • Free Visa Debit/ATM Card
    • LNB Courtesy Pay and Overdraft Protection
    • LNB Express Line
    • Falcon Fraud Manager

    *APY = Annual Percentage Yield
    **Minimum to open account is $25 for Free Rewards Checking. Annual Percentage Yield (APY) accurate as of 1/12/2016. Free Rewards Checking rate tiers are as follows: 2.01% applies to balances of $0.01-$15,000 and 0.10% applies to the portion of balances over $15,000 if qualifications are met during monthly qualification cycle. 0.01% applies to all balances if qualifications are not met. All balances will earn 2.01% APY-0.10% APY if qualifications are met. Monthly qualifications include having at least 12 debit card purchases, have at least one direct deposit or automatic payment, and receive e-statements. Qualifications must post and clear the Free Rewards Checking during the monthly qualification cycle. Intra-bank transfers do not count as qualifying transactions. Rates may change after account is opened.
    ***ATM Fee refunds (Free Rewards Checking account only) up to $15 provided only if qualifications are met within monthly qualification cycle.


  • FREE REWARDS SAVER CHECKINGDo you want to earn high interest?

    This free, high-interest checking account will help you earn and save big.

    • Earn up to 2.01% APY* on balances up to $15,000
    • It’s FREE!
    • No minimum balance
    • No monthly maintenance fee
    • Free nationwide ATMs**

    This checking account is paired with an LNB Free Rewards savings account.

    Account Features:

    • Direct Deposit
    • Free Online Banking
    • Free Visa Debit/ATM Card
    • LNB Courtesy Pay and Overdraft Protection
    • LNB Express Line
    • Falcon Fraud Manager

    *Minimum to open account is $25 for Free Rewards Saver Checking Account. Annual Percentage Yield (APY) accurate as of 1/12/2016. Rate tiers are as follows: 2.01% applies to balances of $0.01-$15,000 and 0.10% applies to the portion of balances over $15,000 if qualifications are met during monthly qualification cycle. 0.01% applies to all balances if qualifications are not met. Monthly qualifications include having at least 12 debit card purchases, have at least one direct deposit or automatic payment, and receive e-statements. All balances will earn 2.01% APY-0.10% APY if qualifications are met. Qualifying transactions must post and clear Free Rewards Checking during monthly qualification cycle. Intra-bank transfers do not count as qualifying transactions. Rates may change after account is opened.
    **ATM Fee refunds (Free Rewards Saver Checking account only) up to $15 provided only if qualifications are met within monthly qualification cycle.


  • FREE E-REWARDS CHECKINGDo you want rewards?

    We’ll reward you just for signing up, then every month after that.

    • Get $15 in iTunes and Amazon.com downloads* when you sign up
    • Get another $5 in downloads each month*
    • It’s FREE!
    • No minimum balance
    • No monthly service fee
    • Free nationwide ATMS**

    Account Features:

    • Direct Deposit
    • Free Online Banking
    • Free Visa Debit/ATM Card
    • LNB Courtesy Pay and Overdraft Protection
    • LNB Express Line
    • Falcon Fraud Manager

    *Minimum to open the account is $25. Earn $15 in iTunes® and Amazon® download refunds with initial account opening regardless of qualifications. Earn up to $5 in iTunes® and Amazon® download refunds each cycle the minimum qualifications are met. The following must be completed each monthly qualification cycle: Have at least 12 debit card purchases of $5.00 or more per transaction post and clear, have at least one direct deposit or automatic payment post and clear, and receive e-statements. Downloads must be purchased with your debit card associated with your eRewards Checking account. Qualifying transactions must post and clear to the account during the monthly qualification cycle. Transactions may take one or more banking days from the transaction date to post to an account. Intra-bank transfers do not count as qualifying transactions. iTunes is a registered trademark of Apple, Inc. and Amazon.com is a registered trademark of Amazon Inc. Apple, Inc. and Amazon Inc. are not participants in or sponsors of this program.
    **ATM Fee refunds up to $15 provided only if qualifications are met during the monthly qualification cycle.


  • Regular checkingLooking for convenience?

    Smart, convenient, straightforward—there’s nothing regular about this checking plan.

    • $25 minimum opening deposit
    • No monthly maintenance fees and no minimum balance requirements when you have direct deposit, are 55 years of age* or older, or if your balance remains at $300 or more during the month
    • Unlimited transactions

    *Primary account holder

    Account Features:

    • Direct Deposit
    • Free Online Banking
    • Free Bill Payer
    • Free E-Statement
    • Visa Debit/ATM Card
    • LNB Courtesy Pay and Overdraft Protection
    • LNB Express Line
    • Falcon Fraud Manager

    Minimum balance to open the account - You must deposit $25.00 to open this account. Minimum balance to avoid imposition of fees - A maintenance fee of $5.00 will be imposed every statement cycle if the average daily balance for the cycle falls below $300.00. 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. This fee will be waived if you have direct deposit or the Primary Account holder meets the age requirement of 55 years of age or older.


  • Basic checkingDo you prefer no-frills checking?

    Avoid high minimum-balance requirements and maintenance fees, and don’t pay for features and services you don’t need.

    • $25 minimum opening deposit
    • No minimum monthly balance
    • First 8 debits each month are free; only $0.25/debit after that (withdrawals, check paid, automatic transfers or payment)

    Account Features:

    • Direct Deposit
    • Free Online Banking
    • Free Bill Payer
    • Free Visa Debit/ATM Card
    • LNB Courtesy Pay and Overdraft Protection
    • LNB Express Line
    • Falcon Fraud Manager

    Minimum balance to open the account - You must deposit $25.00 to open this account. Transaction limitations: You may make an unlimited number of deposits without incurring any additional charge. Fees: A maintenance fee of $3.00 will be charged each statement cycle. A debit fee of $.25 will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account) in excess of eight during a statement cycle. Additional Features: A withdrawal shall be deemed to be made when it is recorded on our books, which is not necessarily the date that you initiated the transaction.


  • Now Interest CheckingDo you want to grow your account?

    Earn interest on your balance while it's in your NOW interest checking account.

    • $1,000 minimum opening deposit
    • Earn a competitive annual percentage yield (APY) on checking account balances of $1,000 or more
    • Interest accrues daily and is paid monthly
    • No maintenance fee on daily balances of $1,000 or more

    Account Features:

    • Direct Deposit
    • Free Online Banking
    • Free Bill Payer
    • Free Visa Debit/ATM Card
    • LNB Courtesy Pay and Overdraft Protection
    • LNB Express Line
    • Falcon Fraud Manager

    Rate Information - The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the Rate Sheet. Your interest rate and annual percentage yield may change. Frequency of rate changes. We may change the interest rate on your account at any time. Determination of rate - At our discretion, we may change the interest rate on your account. Compounding and crediting frequency - Interest will be compounded every day. Interest will be credited to your account every month. Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest. Minimum balance to open the account - You must deposit $1,000.00 to open this account. Minimum balance to avoid imposition of fees - A maintenance fee of $8.00 will be imposed every statement cycle if the balance in the account falls below $1,000.00 any day of the cycle. Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield. Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Accrual of interest on noncash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).


Contact your local branch below—or stop in and we can review your banking options with you in person.


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