Lawrence's Home-Owned Bank

Checking Accounts

Easy Green
Checking
Basic
Checking
Traditional
Checking
Emerald Elite
Checking
Super Now
Checking
Minimum Opening Balance $100 $100 $100 $100 $1,000
Monthly Service Charge * None $3.00 $4.00 None $7.50
Interest Bearing Account * Yes No No No Yes
Transaction Limitations No No No No No

*Monthly service charge waived if the minimum average daily balance is obtained.

Easy Green Checking

  • Free interest-bearing checking account
  • Earn 1.51% APY* on balances of up to $15,000 and get ATM surcharge refunds of up to $15 per month if four easy, free requirements are met
  • Portion of the balance over $15,000 earns 0.10% APY*
  • Minimum deposit of $100 to open
  • Requirements per cycle to receive the rewards are:
    • 15 Check Card Transactions
    • 1 Direct Deposit or ACH Auto Debit
    • Access Online Banking at least once every 30 days
    • Receive Electronic Statement
  • If requirements are not met in one cycle, you still earn 0.10% APY*; ATM fees are not reimbursed
  • Click here to learn more about Easy Green Checking
    Easy Green Checking

Basic Checking

  • Minimum deposit of $100 to open
  • No monthly service fee if balance of $300 is maintained; $3 fee otherwise
  • Images of paid checks NOT returned in monthly statement
  • No transaction limitations
  • ATM card fees – Two options:
    • Monthly flat fee of $3 for unlimited use; no minimum balance required
    • Fee of 50¢ per transaction; waived if there’s a $500 minimum balance

Traditional Checking

  • Minimum deposit of $100 to open
  • No monthly service fee if balance of $400 is maintained; $4 fee otherwise
  • Images of paid checks returned in monthly statement
  • No transaction limitations
  • ATM card fees – Two options:
    • Monthly flat fee of $3 for unlimited use; no minimum balance required
    • Fee of 50¢ per transaction; waived if there’s a $500 minimum balance

Emerald Elite Checking

For customers 55 and older.

  • Minimum deposit of $100 to open
  • No minimum balance
  • Unlimited check writing
  • Free notary service
  • Free personalized checks
  • Overdraft protection available
  • Free direct deposit
  • Free stop payment orders
  • Discount of 30% on Safe Deposit Box
  • Free cashier’s checks and money order

Super NOW Checking

  • Minimum deposit of $1,000 to open
  • No service fee if balance of $1000 is maintained, $7.50 fee otherwise
  • No transaction limitations
  • ATM card fees – Two options:
    • Monthly flat fee of $3 for unlimited use; no minimum balance required
    • Fee of 50¢ per transaction; waived if there’s a $500 minimum balance

Rates subject to change daily.

* 1.51% Annual Percentage Yield (APY) paid on balances up to $15,000 each month the minimum requirements are met. Balances over $15,000 earn 0.10% APY. If you do not meet the requirements during each month, you will earn the Base Rate of 0.10% APY. Rates as of May 20, 2013. We may change the rate and APY at any time after the account is opened. No minimum balance required. Available to personal accounts only. No monthly service charge. If you do not meet the requirements per month, your account will still function as a free checking account earning the Base Rate. However, it will not receive ATM refunds for that time period.

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