Personal Accounts

View Rates	Lifetime Checking	Premier Checking	Choice Savings	Health Savings Account
Account Description	Earn a higher monthly interest rate on all balances up to $15,000 when customers conduct qualifying account activities.	Rates competitive to a Money Market Account and the convenience of a checking account.	What are you saving for? It's your Choice! You can name your account to match your goal.	Make the most of your health insurance plan with a Health Savings Account (HSA).
Account Features	Online Banking Bill Pay E-Statements Debit Card supported by Mobile Wallet providers EZ Save (round-up and save)	Earn competitive interest on your balance with fluid access to funds Unlimited debit card access Debit card supported by Mobile Wallet providers Online Banking Bill Pay E-Statements	Keep separate accounts based on the items you are saving for and name them accordingly	Debit Card Tax Benefits (consult tax advisor) Online Banking E-Statements
Special Qualifications	Account activities to qualify for a higher monthly interest rate: 16 debit card transactions (non-ATM) each month Must receive E-Statements Must log-in to online banking once per month	N/A	N/A	Annual contribution limits apply to how much can be contributed annually to the account
Opening Balance	$50.00	$1,000.00	$50.00	$50.00
Minimum Balance	$0.00	$1,000.00	$0.01	$0.01
Fees	$3 Paper Statement Fee $2 fee per ATM transaction after the fourth transaction per statement cycle. Surcharge may also be assessed by the owner of the ATM.	$3 Paper Statement Fee $5 monthly maintenance fee if minimum balance is not maintained. $5 fee for each check over 6 per statement cycle $2 fee per ATM transaction after the fourth transaction per statement cycle. Surcharge may also be assessed by the owner of the ATM.	$3 Paper Statement Fee Foreign transaction fee may be assessed by owner of ATM	$3 Paper Statement Fee
How Your Interest is Calculated	1.00% APY* for qualified customers only on balances up to $15,000.00. All of the following account activities must be met each statement cycle to qualify: have 16 point-of-sale debit card transactions post and settle to account, receive E-Statements, and log-in to online banking. APY* is calculated daily on balances in each respective tier. If qualifications are unmet the APY* is 0.01% on the entire balance.	APY* is based on and calculated on the entire daily balance of the account.	APY* is based on and calculated on the entire daily balance of the account.	APY* is based on and calculated on the entire daily balance of the account.

*Annual Percentage Yield (APY) subject to change without notice. Minimum to earn interest and remain open on transaction accounts is $0.01. Fees may reduce earnings.

Lincoln Federal is a depositor-owned, community based financial institution, and therefore we do not generally accept deposits from sources outside of our immediate trade areas.