Personal Banking Accounts

Lake City Federal Bank offers a variety of personal banking account options designed to meet your banking needs.

Checking Account

LCFB can help you manage your money with ease and convenience. Visit with one of our New Account Representatives to get started!

Benefits

  • Unlimited transactions
  • Unlimited check writing
  • Visa Debit Card
  • Free Online and Mobile Banking
  • Free Bill Pay
  • Free eStatements with online check images
  • Overdraft Protection is available to qualified customers

Details

  • $50 minimum to open an account
  • $5 monthly service fee (if combined account balances fall below $5,000 at any time during the statement cycle, the fee will be assessed. Money Market, Checking, Savings and Certificate of Deposit accounts in the same name using the same tax reporting number are included in the balance calculation.)
  • Custom checks – pricing is determined by style of checks ordered
  • Non-interest bearing account
  • Dormant account fee – any account with a balance less than $50 and no activity for one year will be assessed a $5 monthly fee. Service charges are not considered activity.
  • Other fees may apply. View our current Fee Schedule for more information.

* Important information about procedures for opening a new account.

Savings Account

Whether you are saving for a rainy day or planning for a future expense, let LCFB help you get started! Visit with one of our New Account Representatives today!

Benefits

  • Interest compounded monthly
  • ATM Card
  • Free Online and Mobile Banking
  • Monthly paper statement or eStatements

Details

  • $100 minimum to open an account
  • $5 monthly service fee is waived if $100 balance is maintained. The fee is applied if the balance in the account falls below $100 at any time during the month.
  • Interest is based on the account balance and the applicable rate.
  • Direct deposit - have your paycheck or Social Security check deposited electronically into your bank account

* Important information about procedures for opening a new account.

Money Market Savings

Build your savings while earning higher interest with our Money Market Savings account at LCFB! Visit with one of our New Account Representatives to get started! 

Benefits

  • Interest compounded monthly
  • ATM Card
  • Free Online and Mobile Banking
  • Monthly paper statement or eStatements

Details

  • $2,500 minimum to open an account
  • $5 monthly service fee is waived if $100 balance is maintained. The fee is applied if the balance in the account falls below $100 at any time during the month.
  • Interest is based on the account balance and the applicable rate.
  • Direct deposit - have your paycheck or Social Security check deposited electronically into your bank account

* Important information about procedures for opening a new account.

View Current Interest Rates

Certificates of Deposit

With higher fixed interest rates, opening a Certificate of Deposit (CD) is a smart and safe way to help your money grow! Visit with a LCFB New Account Representative to get started!

Benefits

  • Available in terms of 3 months to 60 months
  • Interest is paid at the end of each calendar quarter
  • Interest can be compounded or mailed to you in a check form
  • Get started with $1,000 minimum balance
  • Automatic renewal options with a 7 day grace period
  • FDIC insured

* Important information about procedures for opening a new account.

View Current Interest Rates

Individual Retirement Accounts

Is your retirement a distant dream or in your near future? No matter what stage of life you are at, an Individual Retirement Account (IRA) allows you to save money during your income-producing years. Visit with a LCFB New Account Representative to get started!

Benefits

  • Traditional IRA
  • Roth IRA
  • Available in terms of 3 months to 60 months
  • Interest is paid at the end of each calendar quarter
  • Get started with $1,000 minimum balance
  • FDIC insured

View Current Interest Rates

Important information about procedures for opening a new account:

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account.

What this means for you:

When you open an account, we will ask for your name, address, date of birth, and other personal information that will allow us to identify you.

Explore Our Banking Services

LCFB offers a wide range of Banking Services

Learn More

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