Second Chance Checking

Second Chance Checking

Helping you take the next right step.

If your past financial missteps make it hard for you to qualify for an account, we'll help you get back on track.

Open in Branch +

Why Second Chance Checking?

Second Chance Checking gives you access to checking services while you build good financial habits. After a year 12 months of responsible use, we'll help you transition to another LCNB checking account.


  • No minimum balance
  • $8 monthly maintenance fee
  • $50 minimum deposit to open
  • FDIC Insured
  • $2 Cost per transaction for use of non-LCNB ATMsa
  • You must be enrolled in good standing for 12 months prior to switching to another checking account at LCNB National Bank
  • Electronic Banking services:
    • Free online banking with bill pay
    • Free e-statements (paper statements available for a monthly charge)
    • Free mobile banking (with mobile deposit)
    • Free LCNB National Bank Debit Mastercard®
    • And more!
Open in Branch +

aYou may be charged a surcharge by another bank when using your LCNB ATM card at their ATM (see note 5 in Notes & Disclosures).

View Notes and Disclosures Here