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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Lifetime CheckingFree CheckingPremier SavingsHealth Savings Account

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

A basic, no-frills checking account.

Earn more, save more! Ideal for anyone looking to grow their savings.

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

Interest Bearing 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 Annual contribution limits apply to how much can be contributed annually to the account.
Monthly Service Charge

This account has no monthly service charges.

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 $50.00 $50.00 $50.00
Minimum Balance $0.00 $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 and savings account.

*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 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.