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Personal Savings
Statement Savings
This flexible, cash-ready account has provided our customers with an easy-to-use FDIC insured method of savings.
LCNB Money Market
Highly liquid, variable rate, interest-bearing investment account.
Market Savings
Market Savings combines a high variable rate with the liquidity and accessibility of a savings account.
Ohio Transfer to Minor Account (OTMA)
Funds deposited into this interest bearing account represent an irrevocable gift to the minor.
Money Fund Investment Account
This is a highly liquid interest-bearing investment account. FDIC insured, this account allows you to make deposits and withdrawals daily.
Certificates of Deposit
We offer a wide selection of FDIC insured, solid, safe, and secure Certificates of Deposit answering your every investment need.
Retirement Accounts
Our Trust Department offers a broad range of FDIC insured retirement savings options for individuals.
Christmas, Vacation & "First Step" Club Accounts
LCNB's FDIC insured Christmas Club, Vacation Club, Prom Club, and "First Step" Home Buyer's Club Accounts are great ways to save money.
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Additional Benefits
Availability of Funds
LCNB is one of the few banks that maintains the policy to make funds from your deposits available to you on the first business day after the day we receive your deposit. At that time, you can withdraw the funds in cash or we will use the funds to pay other debits you have authorized. For determining the availability of your deposits, every day is a business day except Saturdays, Sundays and Federal Holidays. If you make a deposit before 5 p.m. Monday through Thursday (6 p.m. on Friday), we will consider that day to be the day of your deposit. However, if you make a deposit after these hours we will consider that deposit to be made on the next business day we are open. Certain restrictions apply. (See Note 6)
Bankline
LCNB brings you a new dimension of convenience and service in managing your finances with its 24-hour automated telephone banking service - "Bankline." At the touch of your fingertips you can have access to all of your account information; transfer funds; make loan payments; get current interest rates; hours, office and ATM locations - 7 days a week, 24 hours a day.
ATM Network
LCNB belongs to the PLUS ATM Network, the most comprehensive ATM network available today. You can use your LCNB MAC ATM card or VISA Check card at all ATM machines that display the MAC and Plus signs. The Plus ATM Network also offers a free nationwide location directory. Just call 800-THE-PLUS and you will be given the PLUS location nearest you.
Transactions at ATM
Deposits made (cash or check) before the end of a business day (1 p.m. Monday through Friday) at any ATM owned by this bank will be available the next business day. To find the LCNB ATM location nearest you, call 1-800-344-BANK during regular business hours or our 24-hour automated banking service -"Bankline"- at (513) 932-BANK, (513) 336-BANK, (888) 786-5262. (See Note 7)
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