Personal Savings Accounts

Each Savings account gives you access to CD bonus rates on non-promotional CD rates. Kasasa Saver and its qualifying checking accounts have access to ATM refunds up to $25 per month. 

Kasasa Saver

Benefits of our Kasasa Saver Account
Earns Interest
  • 1.00% APY* on balances up to $50,000
  • 1.00% to 0.43% APY* on balances over $50,000 depending on balance in account
  • 0.05% APY* if qualifications are not met in Kasasa Cash or Kasasa Cash Back
Minimum to Open $50
Minimum Monthly Balance $0
Monthly Service Charge $0
Requirement
You must have one of the following checking accounts to qualify for Kasasa Saver:
Automatic Savings Links to free Kasasa Cash or Kasasa Cash Back checking to make saving simple
Easy Qualifications to Earn Rewards Qualifying for your Kasasa Cash or Kasasa Cash Back rewards
automatically qualifies you for the highest Kasasa Saver rate, too.
Enrollments must be in place and all of the following transactions
and activities must post and settle to your Kasasa Cash or
Kasasa Cash Back account during each Monthly Qualification Cycle + :
  • At least 12 debit card purchases
  • Be enrolled in and agree to receive eStatements
  • Be enrolled in and log into online banking at least once per Monthly Qualification Cycle
Online Banking, Mobile Banking & BankLine Free
+ Qualification Cycle “Monthly Qualification Cycle” means a period beginning
one (1) business day prior to the first day of the current statement
cycle through one (1) business day prior to the close of the current
statement cycle.
Notes & Disclosures
*APY = Annual Percentage Yield 


Statement Savings

Benefits of our Statement Savings Account
Earns Interest Yes
Minimum to Open $50
Minimum Average Balance to waive service charge $100
Monthly service charge if balance drops below minimum $3
Monthly Statement Free eStatement
(Paper Statement $2.75 per month)
Online Banking, Mobile Banking & BankLine Free
Notes & Disclosures
View Notes and Disclosures Here


OTMA Savings

Benefits of our OTMA Savings Account
Earns Interest Yes
Minimum to Open
$10
Minimum Average Balance to waive service charge $0
Monthly service charge if balance below minimum
$0
NOTE: Once the child turns eighteen (18) years of age, this account will be
charged the appropriate fees for a Statement Savings Account.

Monthly Statement Free
Online Banking, Mobile Banking & BankLine Free
Notes & Disclosures
View Notes and Disclosures Here

Money Market

Benefits of our Money Market Account
Earns Interest When conditions are met. (Refer to Additional account details)
Minimum to Open $50
Minimum Average Balance to waive service charge $1000
Monthly service charge if balance below minimum $5
Additional account details Money Market is a tiered rate account, please stop by your local LCNB office or give us a call at (800) 344-2265 for balance and rate details. 
Monthly Statement Free eStatement
(Paper Statement $2.75 per month)
Online Banking, Mobile Banking & BankLine Free
Notes & Disclosures
View Notes and Disclosures Here


Club Accounts

Benefits of our Club Accounts
Earns Interest Yes
Minimum to Open $1
Minimum Average Balance to waive service charge $0
Monthly service charge if balance below minimum $0
In person withdrawals per month N/A
Notes & Disclosures
View Notes and Disclosures Here


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LCNB Financial Learning Center

Learn how to be more financially prepared in the years ahead.

LCNB National Bank (“Financial Institution”) provides referrals to financial professionals of LPL Financial LLC (“LPL”) pursuant to an agreement that allows LPL to pay the Financial Institution for these referrals. This creates an incentive for the Financial Institution to make these referrals, resulting in a conflict of interest. The Financial Institution is not a current client of LPL for brokerage or advisory services.

Please visit https://www.lpl.com/disclosures/is-lpl-relationship-disclosure.html for more detailed information.