Checking Accounts

ProductsDescriptionMinimum to OpenMinimum BalanceFeesFeatures
Smart Checking Account 

Interest bearing checking account for all ages.

$500 N/A

No Minimum Balance1

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  • Free online and mobile banking
  • Unlimited check writing
  • First box of “Image” checks free
  • Free Bank checks and notary service
  • Unlimited deposits and withdrawals
  • E-Statements available
Thrifty Fifty Checking Account

Interest bearing checking account for our customers ages 50 and older.

$100 N/A

No Minimum Balance1

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  • Free online and mobile banking
  • Unlimited check writing
  • Free “Thrifty Fifty” checks
  • Free Bank checks and notary service
  • Unlimited deposits and withdrawals
  • E-Statements available
Money Market Account

Rates competitive with a Savings account and with the convenience of a checking account.

$1,000 $1,000 $5 monthly charge if balance is below $1,000

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  • Free online and mobile banking
  • Access with a combination of 6 checks
    or transfers per month
  • First box of “Money Market” checks free
  • E-Statements available
NOW Account

Interest bearing checking account with a lower opening balance. Smaller startup costs makes the NOW account easy to open.‚Äč

$100 $100 $5 monthly charge if balance is below $100

View Rates

  • Free online and mobile banking
  • Free unlimited check writing
  • First box of “Image” checks free
  • E-Statements available

1Account requires a minimum of $0.01 to keep the account open.

To open any of our accounts, please call us at our Lincoln Corporate Office at 402-474-1400.
View numbers for all of our branches

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