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.

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Why Second Chance Checking?

Second Chance Checking gives you access to checking services while you build good financial habits. After 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!
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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

Healthy Financial Habits

Learn more about how you can develop the healthy financial habits needed for financial well-being.

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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 for more detailed information.

LPL Financial Form CRS