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.
Reach out to a personal banker today!
Lifetime Checking | Premier Checking | Non-Interest Checking | Choice Savings | Health Savings Account | |
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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. |
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Special Qualifications |
Account activities to qualify for a higher monthly interest rate:
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N/A | N/A | N/A |
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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 |
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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.