Deposit Accounts

View Rates	Lifetime Checking**	Premier Checking	Choice Savings	Health 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.}