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Checking Accounts
Savings Accounts
Notes & Disclosures
LCNB On-Line
24/7 BankLine
Personal Lending
Calculators



Compare Checking Accounts

Choose the type of accounts you wish to compare from the drop down menu below.
Differences between accounts are noted with red type.

No-cost checking

Interest bearing checking (a)
Earns Interest No Yes click for rates
Minimum Balance No $1,000
Monthly Service Fee
if Balance Falls
Below Minimum
$0 $8
Items Per Month(c) Unlimited 40
Cost Per Item if in Excess N/A $0.12
Monthly Statement Yes Yes
Imaged Checks Returned
w/Monthly Statement
No Yes
LCNB On-Line Access Yes - FREE Yes - FREE
LCNB On-Line Bill Pay FREE - Unlimited FREE - Unlimited
Free 24-Hour Access
through Bankline
Yes Yes
Non LCNB ATM Charges $1.00 per
debit transaction (d)
$1.00 per
debit transaction (d)
VISA Check Card No annual fee / unlimited FREE VISA Check Card LCNB ATM transactions No annual fee / unlimited FREE VISA Check Card LCNB ATM transactions
Additional Benefits
  • FDIC insured
  • Free notary service
  • Free direct deposit
  • Next-day availability of funds (e)
  • Easy-to-read monthly statement
  • FDIC insured
  • Free notary service
  • Free direct deposit
  • Next-day availability of funds (e)
  • Easy-to-read monthly statement
  • .15% bonus on CDs (f)
  • Free small safe deposit box rental for first year (g)

Some of these may apply, as noted in the above chart.

(a) See note 3 in Notes and Disclosures.
(b) Free access to your accounts.  Bill pay optional with a minimum fee.
(c) An item is any check written by the customer and any check that is deposited to this account and drawn on another bank.
(d) See note 5 in Notes and Disclosures.
(e) Certain restrictions may apply. (See note 4 in Notes and Disclosures)
(f) Not applicable with promotional CDs.
(g) Safe deposit boxes subject to availability - $20 value and after the first year the payment must be deducted from an LCNB account.
(h) Combined balances include funds in checking, savings, CD's, and IRA's.

Minimum initial deposits for all LCNB checking accounts are $25.


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