Compare Checking | Lake City Bank | Northern and Central Indiana

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Basic Checking
Essential Checking
Simple Earnings Checking
Rewards Checking
Rewards Plus Checking
StartSmart⁶

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	Basic Checking	Essential Checking	Simple Earnings Checking	Rewards Checking	Rewards Plus Checking	StartSmart⁶
Checking
Monthly Maintenance Fee	$9 ($7 with eStatement)	$5	$9 ($7 with eStatement)	$9 ($7 with eStatement)	$9 ($7 with eStatement)	$0
How to avoid Monthly Maintenance Fees	$1,500 minimum balance or 15 debit card purchases or 1 direct deposit or 1 SurePay loan payment¹ or younger than 21²	n/a	$5000 minimum balance	Meet Monthly Qualifications	Meet Monthly Qualifications	n/a
Special Features	n/a	Overdraft fee and NSF fee waived. Other fees listed in the Administrative charges waived section of the Essential Checking disclosure.	n/a	Up to $25 in ATM fees refunded when monthly qualifications are met.	Up to $25 in ATM fees refunded when monthly qualifications are met.	Overdraft fee and NSF fee waived until primary account owner reaches age 24⁵. See StartSmart product disclosure for other waived fees.
Earns Interest	n/a	n/a				n/a
Monthly Qualifications to Avoid the Monthly Maintenance Fee and Earn Higher Interest	n/a	n/a	n/a	8 debit card purchases and 1 ACH auto debit¹, and eStatement⁴	$10,000 minimum ledger balance and 15 debit card purchases and 1 direct deposit¹ and eStatement⁴	n/a
Lake City Bank Digital Bank anywhere, anytime, from any device. Transfer funds, pay bills, manage your finances, deposit checks, control your debit card with Card Controls, pay people with Zelle^®3.
Contactless Debit Card
Unlimited Check Writing
Minimum to open	$25	$25	$25	$25	$25	$25

Change Accounts

Please select up to two options to compare.

Basic Checking
Essential Checking
Simple Earnings Checking
Rewards Checking
Rewards Plus Checking
StartSmart⁶

Compare Accounts

Basic Checking	Essential Checking	Simple Earnings Checking	Rewards Checking	Rewards Plus Checking	StartSmart⁶
Checking
Monthly Maintenance Fee
$9 ($7 with eStatement)	$5	$9 ($7 with eStatement)	$9 ($7 with eStatement)	$9 ($7 with eStatement)	$0
How to avoid Monthly Maintenance Fees
$1,500 minimum balance or 15 debit card purchases or 1 direct deposit or 1 SurePay loan payment¹ or younger than 21²	n/a	$5000 minimum balance	Meet Monthly Qualifications	Meet Monthly Qualifications	n/a
Special Features
n/a	Overdraft fee and NSF fee waived. Other fees listed in the Administrative charges waived section of the Essential Checking disclosure.	n/a	Up to $25 in ATM fees refunded when monthly qualifications are met.	Up to $25 in ATM fees refunded when monthly qualifications are met.	Overdraft fee and NSF fee waived until primary account owner reaches age 24⁵. See StartSmart product disclosure for other waived fees.
Earns Interest
n/a	n/a				n/a
Monthly Qualifications to Avoid the Monthly Maintenance Fee and Earn Higher Interest
n/a	n/a	n/a	8 debit card purchases and 1 ACH auto debit¹, and eStatement⁴	$10,000 minimum ledger balance and 15 debit card purchases and 1 direct deposit¹ and eStatement⁴	n/a
Lake City Bank Digital Bank anywhere, anytime, from any device. Transfer funds, pay bills, manage your finances, deposit checks, control your debit card with Card Controls, pay people with Zelle^®3.

Contactless Debit Card

Unlimited Check Writing

Minimum to open
$25	$25	$25	$25	$25	$25

¹Debit card purchases, direct deposits, ACH auto debits and SurePay loan payments are counted the day they clear your account which may be later than the transaction date.
²When the primary account owner reaches their 21^st birthday, the account will receive a monthly maintenance fee unless one of the other qualifications for avoiding the fee is met.
³Must be age 16 to use Zelle.
⁴Qualification cycle means a period beginning three business days prior to the first day of the current statement cycle through three business days prior to the close of the current statement cycle. The Rewards Checking and Rewards Plus Checking statement cycle ends on the 15th of every month (or the previous business day when the 15th falls on a Saturday, Sunday, or bank holiday). You may view dates for current year qualification periods and statement cycles at www.lakecitybank.com/rewardscalendar.

⁵When the primary account holder reaches their 24th birthday, the account will be subject to the Personal Administrative Charges Disclosure.
⁶Primary account owner must be between 14-23 years old to open

Go to lakecitybank.com/fees for a list of Personal Administrative Charges that may apply. See Personal Account Terms and Conditions and the appropriate product disclosure for more details or call our One Call Center at (888) 522-2265.

Goals, as referred to herein, constitute the Goals Account described in Section E Investment Accounts of the Personal Accounts Terms and Conditions.

Zelle^® and the Zelle^® related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Apple Pay is a trademark of Apple Inc, registered in the U.S. and other countries. Google Pay is a trademark of Google, Inc.