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!

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View RatesLifetime CheckingPremier CheckingFree CheckingChoice SavingsHealth Savings Account

Our most popular interest earning account for all stages of life!

Rates competitive to a Money Market Account and the convenience of a checking account. 

A basic, no-frills checking account.

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

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

Interest Bearing Yes Yes No Yes Yes
Special Qualifications You can earn a higher monthly interest rate if you 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.
Monthly Service Charge

This account has no monthly service charges.

A $5.00 fee will be charged if your minimum balance falls below $1,000. $3 fee per paper statement. Paper statement fee is waived if receiving E-Statements.

No fees. Just free. 

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

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

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
Online Banking
Bill Pay
Mobile Banking
Mobile Deposit
Account Alerts
Debit Card Alerts
MasterCard Enhanced Debit Card
ATM Access*
EZ Save

Round up your debit card purchases to automatically save!

Available for customers with any checking account and a Choice Savings. 

*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 the moneypass website 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 ATM withdrawal 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.