Deposit Accounts

View RatesLifetime Checking**Premier CheckingChoice SavingsHealth Savings Account
Account Description

Earn a special bonus interest rate on all balances up to $15,000 when customers conduct qualifying account activities.

Rates competitive with a savings account with 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
  • 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
  • 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

Qualifying activities to receive bonus APY*:

  • 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 maintenace fee if minimum balance is not obtained
  • $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
  • $10 transaction fee for any ACH or transfer(including overdraft) after 6 per statement cycle.
  • $3 Paper Statement Fee

*Annual Percentage Yield (APY). Minimum to earn interest and remain open on transaction accounts in $0.01. Rates may change after a transaction account is opened. 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. Fees may reduce earnings.

**3.04% APY for qualified customers only. Qualified customers must hold a balance between $.01 and $15,000.00 and are subject to qualifying account activities. If account qualifications are met, balances from $15,000.01-$30,000.00 will receive an APY of 1.57%-3.04%, $30,000.01-$50,000.00 will receive an APY of 1.04%-1.57%, $50,000.01-$100,000.00 will receive an APY 0.77%-1.04% and balances over $100,000.01 will receive an APY of 0.77%-0.75%. If qualifications are unmet the APY is 0.01%. Interest is paid monthly at the end of the statement cycle. Statement cycle begins on the first day of the month and ends on the last day of the month.