Personal Accounts

Our personal accounts were designed with convenience in mind. To open an account or for more information, please contact one of our personal bankers.

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Lifetime CheckingPremier CheckingNon-Interest CheckingChoice SavingsHealth Savings Account
Account Description

    Our most popular checking account for anyone – college students seeking a low fee account and financially mature customers looking for a checking account with interest!

    Rates competitive to a Money Market Account and the convenience of a checking account.  An interest free account with the same features of our other checking accounts.

    What are you saving for? It's your Choice! 

    Make the most of your health insurance plan with a Health Savings Account (HSA). 

    Account Highlights Low fees, low minimum, and interest earning!

    Earn competitive interest on your balance with fluid access to funds.

    Low fees, low minimum, non-interest earning. Name your account to match your goal. Save for healthcare expenses!
    Account Features

    All of our checking accounts come standard with Online Banking, our mobile app available on Google Play or in the App Store, bill pay, E-Statements, and unlimited Debit Card access compatable with Apple and Google Pay. 

    When paired with a savings account, our personal bankers can activate EZ Save for you. This program allows you to easily round-up your debit purchases to help you save more over time.

    • Keep separate accounts based on the items you are saving for and name them accordingly
    • Mobile App available on Google Play or in the App Store
    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 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

    $50.00

    Minimum Balance

    $0.00

    $1,000.00 $0.00 $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
    • $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
    • $3 Paper Statement Fee
    How Your Interest is Calculated

    3.04% 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.

    This account does not earn interest.

    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.