STUDENT CHECKING
You're a student -
Of course you have better things to do than worry about your bank account.
Banking so easy you won't need a Tutor. But if you ever have questions or want to learn more, we are always here to help!
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Account Details
- Free checking for students ages 13 to 24
- Access to free eBanking services:
- Mobile Deposit & Online Bill Pay
- eStatements (paper statements available for a monthly charge)
- An LCNB National Bank Debit Mastercard® that can be used with Apple Pay and Samsung Pay
- And more!
- No monthly service charge
- No minimum balance
- Earn 0.05% cash back on Debit Card transactions greater than $5.00
- Access to a nationwide ATM network that can be used without a fee. Click here to learn more about MoneyPass®.
- $20 minimum deposit to open
Notes & Disclosures for Student Checking
1. For all LCNB checking accounts, special service charges may apply; i.e., stop payments, NSF's, etc. Any account closed by the account holder within 180 days of opening is subject to a $25 service charge. See the Banking Services & Fees Schedule provided at account opening.
2. Usage of LCNB or MoneyPass® ATMs will result in no charge to you. When you use your card at other machines and it results in a debit to your account, a $2.00 service fee will be charged. This transaction fee will be posted separately on your monthly statement. You may be charged a surcharge by another bank when using your LCNB National Bank Debit Mastercard® at their ATM. For more information on participating MoneyPass® ATMs, visit www.moneypass.com. International Service Assessment Fees for multi-currency POS/ATM transactions will be waived until the age of 24.
3. This account automatically becomes dormant after two years of no customer-initiated activity. If the account becomes dormant, a non-refundable monthly fee will apply. See the Banking Services & Fees Schedule for details and amounts. For your protection a "Dormant Account Re-activation Request" form must be completed, along with a valid I.D. and a transaction, to allow the re-activation of a dormant account.
4. Accounts opened by a minor (under age 18) require a parent or guardian to be joint owner or sign a Parent Consent Form. By signing the consent form or being a joint owner, the parent or guardian remains liable to LCNB for any deficit or overdrafts on the account, regardless of whether the minor or parent/guardian caused the deficit/overdraft. This includes but is not limited to transactions using debit cards, ATM cards, BankLine (telephone banking), eBanking and teller withdrawals.
5. Once the individual ages out of the account or is no longer a student, the student checking account will automatically convert to a standard LCNB checking account type that may have additional fees.