Personal Checking Accounts

Basic Checking

Benefits of our Basic Checking Account
 
Minimum to Open
$50
Direct Deposit Required No
Minimum Balance Required No
Monthly Statement Free EZ Statement
(Paper Statement $1.75 per month)
Online Banking, Mobile Banking & BankLine Free
Bounce Protection Yes
Monthly Service Charge $3.00
Notes & Disclosures
View Notes and Disclosures Here


Hometown Checking

Benefits of our Hometown Checking Account
Minimum to Open
$50
Cash Back 

$.05 Cash Back for all Debit Card transactions $5 and greater (up to $10)

Minimum Monthly Balance
$0
Added Value
  • CD Bonus of .15% (Does not apply to promotional CDs)
  • Free Small Safe Deposit Box for first year new rental ($25 value)
Monthly Statement Free EZ Statement
(Paper Statement $1.75 per month)
Online Banking, Mobile Banking & BankLine Free
Bounce Protection Yes
Monthly Service Charge
$5.00

You can eliminate this charge if you use two (2) of the following four (4) banking services per statement cycle:

  • Elect to receive our electronic EZ Statement
  • 15 or more debit card transactions (ATM withdrawals not included)
  • Direct Deposit totaling $500 or more each statement cycle
  • A LCNB National Bank loan payment Auto Deducted from this account
Notes & Disclosures
View Notes and Disclosures Here


Hometown Checking Plus

Benefits of our Hometown Checking Plus Account
Minimum to Open
$50
Cash Back 

$.05 Cash Back for all Debit Card transactions $5 and greater (up to $10)

Added Value
  • CD Bonus of .15% (Does not apply to promotional CDs)
  • Free Small Safe Deposit Box for first year new rental ($25 value)
  • Free Cashier’s Checks
  • Customer 60+ may receive 2 boxes of LCNB National Bank custom checks per year at no charge
Monthly Statement
Free EZ Statement
(Paper Statement $1.75 per month)
Online Banking, Mobile Banking & BankLine Free
Bounce Protection Yes
Earns Interest Yes (View Rates Here)
Monthly Service Charge
$15.00
You can eliminate this charge if you use three (3) of the following four (4) banking services per statement cycle:
  • Elect to receive our electronic EZ Statement
  • 15 or more debit card transactions (ATM withdrawals not included)
  • Maintain a combined average balance of $10,000 or more per statement cycle
  • A LCNB National Bank loan payment Auto Deducted

    OR
  • Maintain a combined balance of $100,000 or greater per statement cycle. Combined balances include funds in Checking, Savings, CDs and IRAs
Notes & Disclosures
View Notes and Disclosures Here


Student Checking

Student Checking Pricing and Services
Required Age
*Students under 18 must have Parental Consent Form
High School Students thru age 24 with Student ID or proof of enrollment
Minimum to Open $20
Minimum Monthly Balance $0
Monthly Service Fee Monthly Service Charge is waived until the age of 24
Debit Card Yes
Foreign ATM Usage (see Note 4) Fee of $2 is waived for usage of Non-LCNB ATM until the age of 24
Foreign ATM Surcharge (see Note 4)
Can be waived if you use a MoneyPass® ATM
For locations download the MoneyPass® app on your Smartphone
Monthly Statement
Free EZ Statement
(Paper Statement $1.75 per month) 
Cash Back $0.05 Cash Back Rewards for all Debit Card transactions $5 and greater (excluding ATM withdrawals) 
Notes & Disclosures
View Notes and Disclosures Here


Second Chance Checking

Benefits of our Second Chance Checking Account
Minimum to Open
$50
Monthly Service Charge $8
Monthly Statement
Free EZ Statement
(Paper Statement $1.75 per month)
Cost per transaction for use of Non-LCNB ATM's
$2
You may be charged a surcharge by another bank when using your LCNB National Bank Gold Debit MasterCard® at their ATM
Online Banking, Mobile Banking & BankLine Free
Bounce Protection No
Notes & Disclosures
View Notes and Disclosures Here

Lifetime Checking

Benefits of our Lifetime Checking Account
Minimum to Open
$50
Minimum Balance $0
Added Value
  • CD Bonus of .15% (Does not apply to promotional CDs)
  • Free Small Safe Deposit Box for first year new rental ($25 value)
  • 2 boxes of LCNB National Bank custom checks per year at no charge
Monthly Statement Free EZ Statement
(Paper Statement $1.75 per month)
Online Banking, Mobile Banking & BankLine Free
Bounce Protection Yes
Monthly Service Charge
$3.00 (add $1.75 per month for paper statement)
  • Eliminate $3 service charge if you have Direct Deposit of more and $500
  • Eliminate $1.75 if you elect to receive our electronic EZ Statement
Age Requirement Must be 60 years of age or older to qualify for this account
Notes & Disclosures
View Notes and Disclosures Here


HSA Checking

A Health Savings Account (HSA) is a tax-favored trust or custodial account established exclusively for the purpose of paying qualified medical expenses of you, your spouse and your dependents.
Benefits of our HSA Checking Account
Opening Deposit $50
Minimum Balance $0
Withdrawals Unlimited
Debit MasterCard® Yes
Service Charge
$3 per month or
$1.50 if customer has an open LCNB Checking Account
Statement Free
Tiered Interest

View Rate Sheet 

You are eligible to open an HSA Checking account if you:
  • Are currently covered under a high-deductible health plan (HDHP)
  • Are not covered by any other health plan (with limited exceptions*)
  • Are not enrolled in Medicare
  • Cannot be claimed as a dependent on another person’s tax return
*With certain exceptions for plans providing preventive care and limited types of permitted insurance and permitted coverage
Notes & Disclosures
View Notes and Disclosures Here