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!

View Rates  Meet Our Team

View RatesLifetime CheckingPremier CheckingNon-Interest CheckingChoice SavingsHealth Savings Account

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). 

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
Monthly Service Charge

$3.00 paper statement fee. Fee is waived if receiving E-Statements.

A $5.00 fee will be charged if your minimum balance falls below $1,000. An additional $5.00 fee will be charged for each check over 6 per statement cycle. $3 fee per paper statement. Paper statement fee is waived if receiving E-Statements.

$3.00 paper statement fee. Fee is waived if receiving E-Statements.

$3.00 paper statement fee. Fee is waived if receiving E-Statements.

$3.00 paper statement fee. Fee is waived if receiving E-Statements.

Interest Bearing Yes Yes No Yes Yes
Special Qualifications

To qualify for a higher monthly interest rate, you must complete 16 non-ATM, debit card transactions each month, receive E-Statements, and log-in to online banking at least once per month.

None None None

Annual contribution limits apply to how much can be contributed annually to the account.

Online Banking
Bill Pay
Mobile Banking
Mobile Deposit
Account Alerts
Debit Card Alerts
MasterCard Enhanced Debit Card
ATM Access*
*As a Lincoln Federal Savings Bank personal checking account customer with a Mastercard® Debit Card, you have access to the MoneyPass® ATM Network. This gives you access to surcharge-free ATMs across the country. Visit or ask your banker for nearby MoneyPass® ATMs. The first four withdrawals per statement cycle are at no charge. A $2.00 fee will be charged per ATM withdawal thereafter. Your card may be used within the MoneyPass® or Star networks surcharge-fee. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used.

Minimum to earn interest and remain open on transaction accounts is $0.01. Fees may reduce earnings. Annual Percentage Yield (APY) subject to change without notice. 

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.