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Business Checking

What account is in my best interest?

Lakeside State Bank has several different types of accounts for you to choose from:

Priority Checking


Account Description:

An account with accidental death insurance

Requirements:

Minimum balance to open - $100

Benefits:

$20,000 Accidental Death Insurance
FREE Internet Banking
FREE Sweep Account set up available
FREE Personalized checks
$5.00 Discount on any size safety deposit box
Unlimited check card purchases
FREE ATM or Check card
¼% discount on Consumer Installment Loan
Unlimited Tele-Bank transfers and inquiries
$750 overdraft courtesy available

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Free Checking


Account Description:

An account with no monthly service charge

Requirements:

Minimum balance to open - $300

Benefits:

FREE Internet Banking
Unlimited Checks
Unlimited Check Card purchases
Unlimited Tele-Bank transfers and inquiries

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Basic Checking


Requirements:

Minimum balance to open - $200

Benefits:

FREE Internet Banking
Unlimited Check Card purchases
Unlimited Tele-Bank transfers and inquiries
$300.00 Overdraft Courtesy available

Cost:

No minimum balance required
Monthly service charge $6.00
Fee ATM or Check Card

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Senior Rewards Checking


Requirements:

Must be 55 or over
Minimum balance to open - $300

Benefits:

FREE Internet Banking
No monthly charge
Unlimited Checks
Unlimited Check Card purchases
Unlimited Tele-Bank transfers and inquiries
$750.00 Overdraft Courtesy available

Cost:

Free ATM or Check Card
Balance below $1000 anytime during the month, the charge will be $3.00

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Gold Now Account


Requirements:

Opening Deposit $1,000.00

Benefits:

FREE Internet Banking
Interest is compounded and credited monthly
Unlimited checking and check card purchases
Unlimited Tele-Bank transfers and inquiries
Balance $1,000.00 or above, no service charge.

Cost:

Free ATM or Check Card
Balance below $1,000 anytime during the month, the charge will be $10.00

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Super Now Account


Requirements:

Opening Deposit $10,000.00

Benefits:

Higher interest rate than Gold Now Account
FREE Internet Banking
Interest is compounded and credited monthly
Unlimited checking and check card purchases
Unlimited Tele-Bank transfers and inquiries
Balance $10,000.00 or above, no service charge.

Cost:

Free ATM or Check Card
Balance below $10,000 anytime during the month, the charge will be $13.50

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Savings Account


Requirements:

Opening Deposit $200.00

Benefits:

Interest in compunded quarterly and credited on the last day of each quarter.
9 free withdrawals per quarter.

Cost:

Balance below $25.00, quarterly fee of $3.00

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Senior Rewards Savings Account


Requirements:

Opening Deposit $1,000.00
Must have Senior Management Checking Account
Must be 55 or over

Benefits:

Interest in compunded quarterly and credited to the account quarterly.
The daily balance method is used to calculate the interest on this account. This method applies a daily periodic interest rate to the principal in the account each day.

Cost:

Balance below $1,000 will have a service charge of $3.00

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HIFI Money Market Account


Requirements:

Opening Deposit $2,500.00
 

Benefits:

FREE internet banking
Unlimited TeleBank Inquiries
Unlimited ATM transactions
Free ATM or check card

Limitations:

Account limited to six transfers per month.
No interest will be paid for the days the balance falls below $2,500
If your balance falls below $2,500 during the month, you will have a monthly fee of $10.00.
If you have over six transactions per month, there will be a transaction fee of $10.00.

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Premium Money Market Account


Requirements:

Opening Deposit $10,000.00

Benefits:

FREE internet banking
Unlimited TeleBank inquiries
Unlimited ATM transactions

Limitations:

Account limited to six transfers per month
No interest will be paid on the days the balance falls below $10,000.00 any time during the month and a fee of $10.00 will be charged.
If you have over six transactions per month, there will be a monthly service charge of $10.00.

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Commercial Checking Account


Requirements:

Opening Deposit $200.00

Benefits:

An earnings credit of $0.42 per $100.00 average collected daily balance will be credited against the maintenance charge.

Cost:

Monthly service charge $3.50 + $0.15 per check
$0.05 per out of town check deposited

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