Find the Account That's Right For You
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Elite Checking |
Hometown Salute Checking |
Senior Checking |
Consumer Checking |
E-Checking |
Smart Start Checking |
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Minimum Opening Deposit |
$50 |
$50 |
$50 |
$50 |
$50 |
$50 |
Earn Interest |
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Minimum Daily Balance Requirement to avoid monthly service charge |
$1,000 |
None |
None |
$300 |
None |
None |
You can avoid the monthly service charge by setting up a direct deposit |
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Monthly Service Charge |
$8.00 |
$0 |
$0 |
$4.50 |
$0 |
$0 |
Paper Statement Option |
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E-Statement Required |
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Return of Check Images with statement |
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Complementary checks |
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Two complementary orders of bank selected checks per year |
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Complementary Cashiers Checks |
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Complementary 1st year rental on a new 3x5 safe deposit box (or $30 one-time credit towards a larger box) |
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Debit Card Daily Purchase Limit |
$2,500 |
$2,500 |
$2,500 |
$2,500 |
$2,500 |
$200 for those age 12-17 |
Debit Card Daily ATM Limit |
$510 |
$510 |
$510 |
$510 |
$510 |
$200 for those age 12-17 |
Presto Fee Free ATMs |
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Online Banking |
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Mobile Banking |
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Mobile Deposit |
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Zelle |
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For full details on the accounts listed below, refer to the full Account Agreement and Truth in Savings Disclosure that includes our Rate and Fee Schedule.
Elite Checking
Designed for the savvy consumer who likes some extra features and benefits
This is an interest-bearing account.
$50.00 minimum opening deposit.
No monthly service charge when you maintain a minimum daily balance of $1,000.00, otherwise, the service charge is $8.00 per month.
No transaction limits
Overdraft Privilege available
Complimentary bank selected checks
Complimentary Cashier’s Checks
Complimentary first year rental on a new lease of a 3x5 safe deposit box (or $30 one-time credit toward larger box)
Complimentary E-statement or paper statement
Premium of ten (10) basis points added to the interest rate of a new certificate of deposit
Hometown Salute Checking
Designed to show our appreciation to those who have proudly served our communities and country including our active, retired or veteran military and active or retired first responders
This is an interest-bearing account.
$50.00 minimum opening deposit.
No monthly service charge.
No minimum daily balance requirement.
No transaction limits.
Complimentary bank selected checks.
Complimentary cashiers checks.
Complimentary stop payments.
Overdraft Privilege available.
$250.00 one-time maximum credit toward closing costs of primary home mortgage at Lafayette State Bank.
Complimentary E-statement or paper statement.
Senior Checking
Designed for those who are age 50 & Over
$50.00 minimum opening deposit
No monthly service charge
No minimum daily balance requirement
No transaction limits
Overdraft Privilege available
Two (2) complimentary orders of bank selected checks per year
Complimentary E-statement or paper statement
Consumer Checking
Designed for those looking for simple and straightforward checking
$50.00 minimum opening deposit
No monthly service charge with a monthly Direct Deposit OR when you maintain a minimum daily balance of $300.00, otherwise, the service charge is $4.50 per month
No transaction limits
Overdraft Privilege available
Complimentary E-statement or paper statement
E-Checking
Designed for those who prefer a fully digital checking option
Valid email address required for this account at all times.
$50.00 minimum opening deposit
No monthly service charge
No minimum daily balance requirement
No transaction limits
Overdraft Privilege available
Complimentary eStatement available online ONLY
Smart Start Checking
Designed for individuals who are 12-25 years old
$50.00 minimum opening deposit.
No monthly service charge.
No minimum daily balance requirement.
No transaction limits.
Complimentary bank selected checks.
Complimentary E-statement or paper statement