Checking

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Whether you’re looking for a basic checking account, an interest-bearing account or something in between, Lake City Bank offers checking solutions designed around you. After all, every customer has different checking needs. That’s why Lake City Bank gives you so many options to choose from.

Checking	Basic Checking	Essential Checking	Simple Earnings Checking	Rewards Checking	Rewards Plus Checking	StartSmart
Minimum Deposit to Open	$25	$25	$25	$25	$25	$25
Monthly Maintenance Fee	$9 ($7 with eStatement)	$5	$9 ($7 with eStatement)	$9 ($7 with eStatement)	$9 ($7 with eStatement)	$0
How to Avoid Monthly Maintenance Fees	$1,500 minimum balance or 15 debit cards purchases or 1 direct deposit or 1 SurePay loan payment¹ or younger than 21²	n/a	$5,000 minimum balance	Meet monthly qualifications	Meet monthly qualifications	n/a
Monthly Qualifications to Avoid the Monthly Maintenance Fee and Earn Higher Interest	n/a	n/a	n/a	8 debit card purchases and 1 ACH auto debit¹ or direct deposit, and eStatement³	$10,000 minimum ledger balance and 15 debit card purchases and 1 direct deposit ¹ and eStatement³	n/a
Special Features	n/a	Overdraft fee and NSF fee waived.¹	n/a	Up to $25 in ATM fees refunded when monthly qualifications are met.	Up to $25 in ATM fees refunded when monthly qualifications are met.	Primary account owner must be between ages 14-23. Overdraft fee and NSF fee waived until primary account owner reaches age 24¹. See StartSmart product disclosure for other waived fees.
Earns Interest	n/a	n/a				n/a
Contactless Debit Card
Unlimited Check Writing
Overdraft Services Subject to Approval		n/a				n/a
Interest Rates and Tiers	n/a	n/a	0.00% APY¹ paid on balances up to $4,999.99 0.50% APY¹ paid on balances from $5,000 to $49,999.99 0.85% APY¹ paid on balances of $50,000 or more	0.26% APY² paid on balances up to $15,000 0.11% APY² paid on balances greater than $15,000	1.51% APY² paid on balances of $10,000 0.80% APY² paid on balances greater than $10,000	n/a
	Apply	Apply	Apply	Apply	Apply	Apply
View Disclosures^{1, 2, 3}	¹Debit card purchases, direct deposits and SurePay loan payments are counted the day they clear your account which may be later than the transaction date. ²When the primary account owner reaches age 21, we will charge a monthly maintenance fee unless you meet one of the other qualifications for waiving the fee.	¹Other waived fees and more details listed in the Personal Administrative Charges disclosure and Personal Account Terms and Conditions.	¹APY = Annual Percentage Yield. Quoted APY is accurate as of September 15, 2026. APY is subject to change without notice at any time including after account opening. Fees may reduce earnings. For more information call (888) 522‑2265.	¹Debit card purchases, direct deposits, ACH auto debits and SurePay loan payments are counted the day they clear your account which may be later than the transaction date. ²APY = Annual Percentage Yield. Quoted APY is accurate as of September 15, 2026. APY is subject to change without notice at any time including after account opening. Fees may reduce earnings. For more information call (888) 522‑2265. ³Qualification cycle means a period beginning three business days prior to the first day of the current statement cycle through three business days prior to the close of the current statement cycle. The Rewards Checking and Rewards Plus Checking statement cycle ends on the 15th of every month (or the previous business day when the 15th falls on a Saturday, Sunday, or bank holiday). You may view dates for current year qualification periods and statement cycles at www.lakecitybank.com/rewardscalendar.	Must maintain a $10,000 minimum ledger balance in the account to avoid the Monthly Maintenance Fee ¹Debit card purchases, direct deposits, ACH auto debits and SurePay loan payments are counted the day they clear your account which may be later than the transaction date. ²APY = Annual Percentage Yield. Quoted APY is accurate as of September 15, 2026. APY is subject to change without notice at any time including after account opening. Fees may reduce earnings. For more information call (888) 522‑2265. ³Qualification cycle means a period beginning three business days prior to the first day of the current statement cycle through three business days prior to the close of the current statement cycle. The Rewards Checking and Rewards Plus Checking statement cycle ends on the 15th of every month (or the previous business day when the 15th falls on a Saturday, Sunday, or bank holiday). You may view dates for current year qualification periods and statement cycles at www.lakecitybank.com/rewardscalendar.	¹When the primary account holder reaches their 24th birthday, the account will be subject to the Personal Administrative Charges Disclosure.

Checking	Basic Checking	Essential Checking	Simple Earnings Checking	Rewards Checking	Rewards Plus Checking	StartSmart
Minimum Deposit to Open	$25	$25	$25	$25	$25	$25
Monthly Maintenance Fee	$9 ($7 with eStatement)	$5	$9 ($7 with eStatement)	$9 ($7 with eStatement)	$9 ($7 with eStatement)	$0
How to Avoid Monthly Maintenance Fees	$1,500 minimum balance or 15 debit cards purchases or 1 direct deposit or 1 SurePay loan payment¹ or younger than 21²	n/a	$5,000 minimum balance	Meet monthly qualifications	Meet monthly qualifications	n/a
Monthly Qualifications to Avoid the Monthly Maintenance Fee and Earn Higher Interest	n/a	n/a	n/a	8 debit card purchases and 1 ACH auto debit¹ or direct deposit, and eStatement³	$10,000 minimum ledger balance and 15 debit card purchases and 1 direct deposit ¹ and eStatement³	n/a
Special Features	n/a	Overdraft fee and NSF fee waived.¹	n/a	Up to $25 in ATM fees refunded when monthly qualifications are met.	Up to $25 in ATM fees refunded when monthly qualifications are met.	Primary account owner must be between ages 14-23. Overdraft fee and NSF fee waived until primary account owner reaches age 24¹. See StartSmart product disclosure for other waived fees.
Earns Interest	n/a	n/a				n/a
Contactless Debit Card
Unlimited Check Writing
Overdraft Services Subject to Approval		n/a				n/a
Interest Rates and Tiers	n/a	n/a	0.00% APY¹ paid on balances up to $4,999.99 0.50% APY¹ paid on balances from $5,000 to $49,999.99 0.85% APY¹ paid on balances of $50,000 or more	0.26% APY² paid on balances up to $15,000 0.11% APY² paid on balances greater than $15,000	1.51% APY² paid on balances of $10,000 0.80% APY² paid on balances greater than $10,000	n/a
	Apply	Apply	Apply	Apply	Apply	Apply
View Disclosures^{1, 2, 3}	¹Debit card purchases, direct deposits and SurePay loan payments are counted the day they clear your account which may be later than the transaction date. ²When the primary account owner reaches age 21, we will charge a monthly maintenance fee unless you meet one of the other qualifications for waiving the fee.	¹Other waived fees and more details listed in the Personal Administrative Charges disclosure and Personal Account Terms and Conditions.	¹APY = Annual Percentage Yield. Quoted APY is accurate as of September 15, 2026. APY is subject to change without notice at any time including after account opening. Fees may reduce earnings. For more information call (888) 522‑2265.	¹Debit card purchases, direct deposits, ACH auto debits and SurePay loan payments are counted the day they clear your account which may be later than the transaction date. ²APY = Annual Percentage Yield. Quoted APY is accurate as of September 15, 2026. APY is subject to change without notice at any time including after account opening. Fees may reduce earnings. For more information call (888) 522‑2265. ³Qualification cycle means a period beginning three business days prior to the first day of the current statement cycle through three business days prior to the close of the current statement cycle. The Rewards Checking and Rewards Plus Checking statement cycle ends on the 15th of every month (or the previous business day when the 15th falls on a Saturday, Sunday, or bank holiday). You may view dates for current year qualification periods and statement cycles at www.lakecitybank.com/rewardscalendar.	Must maintain a $10,000 minimum ledger balance in the account to avoid the Monthly Maintenance Fee ¹Debit card purchases, direct deposits, ACH auto debits and SurePay loan payments are counted the day they clear your account which may be later than the transaction date. ²APY = Annual Percentage Yield. Quoted APY is accurate as of September 15, 2026. APY is subject to change without notice at any time including after account opening. Fees may reduce earnings. For more information call (888) 522‑2265. ³Qualification cycle means a period beginning three business days prior to the first day of the current statement cycle through three business days prior to the close of the current statement cycle. The Rewards Checking and Rewards Plus Checking statement cycle ends on the 15th of every month (or the previous business day when the 15th falls on a Saturday, Sunday, or bank holiday). You may view dates for current year qualification periods and statement cycles at www.lakecitybank.com/rewardscalendar.	¹When the primary account holder reaches their 24th birthday, the account will be subject to the Personal Administrative Charges Disclosure.

Basic Checking

With everything you need in a checking account, Basic Checking gives you unlimited check writing, unlimited ATM and debit card transactions, even Overdraft services and Zelle^®.

Apply for Basic Checking

Essential Checking

Manage your money your way without Overdraft and NSF fees¹ with Essential Checking. Lake City Bank Essential Checking is certified as a low-cost, low-fee account with no Overdraft fees by Bank On National Account Standards. Includes unlimited check writing, unlimited ATM and debit card transactions, even Zelle^®.

Apply for Essential Checking

¹Overdraft fee and NSF fee waived. Other waived fees and more details listed in the Personal Administrative Charges disclosure and Personal Account Terms and Conditions.

Simple Earnings

The name says it all. Enjoy a great rate on your checking balances with minimal qualifications, plus unlimited check writing, unlimited ATM and debit card transactions, Overdraft services and Zelle^®.

Apply for Simple Earnings Checking

Rewards Checking

Rewards Checking gives you the opportunity to earn high interest and ATM fee refunds, along with all our other checking perks, when you meet our simple qualifications.

Apply for Rewards Checking

If you do not meet these qualifications during a particular qualification cycle, you will not receive the rewards for that month, will earn 0.01% APY² on your entire checking account balance and be charged the monthly maintenance fee.

Rewards Plus Checking

Rewards Plus Checking gives you the opportunity to earn premium interest and ATM fee refunds along with all our other checking benefits, when you meet our simple qualifications and maintain a $10,000 minimum balance.

Apply for Rewards Plus Checking

StartSmart

Designed as a first checking account for primary account owners ages 14-23, StartSmart is a great way to learn while they bank. It has no monthly fee, no Overdraft or NSF fees until age 24, and tools to manage money responsibly.

Explore StartSmart

Apply for StartSmart

We offer additional account options, including Estate Checking. Call our One Call Center at (888) 522‑2265 for more information, or drop in one of our branch locations for more information or to open an account.

²APY = Annual Percentage Yield. Quoted APY is accurate as of September 15, 2026. APY is subject to change without notice at any time including after account opening. Fees may reduce earnings. For more information, review our checking account comparison chart or call (888) 522‑2265.
Must be age 16 to use Zelle® at Lake City Bank. To send or receive money with Zelle®, both parties must have an eligible account. You can find the updated list of participating banks and credit unions with eligible accounts live with Zelle® at Zellepay.com.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

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Checking Account Features

Lake City Bank Digital

Manage your money anytime, anywhere — for both personal and business needs — with consistent experience across all your devices. Budget, plan, deposit checks, pay bills and more, all in one secure place.

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Go Paperless

Get 24/7 access to up to 7 years of account documents, including statements, tax forms, and notices, securely online in Lake City Bank Digital.

Debit/ATM Card

Use your Lake City Bank Visa^® debit card at millions of locations worldwide. Access ATMs¹ for balance checks, withdrawals, and transfers. Prefer just ATM access? We’ve got a card for that too. Add your debit card to your digital wallet and start spending right away—in store or online.

¹Fees may apply when accessing an ATM not owned by Lake City Bank. Debit and ATM cards can be used at any Cirrus/Star network ATM.

Direct Deposit

Get paid faster and skip the trip to the bank. Have your paycheck sent directly to your account. Just ask your employer for the form to get started.

Learn about Overdrafts and your Checking Account

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Checking

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We’ll help you find the account that fits you best

Checking Account Wizard

Basic Checking

Essential Checking

Simple Earnings

Rewards Checking

Rewards Plus Checking

StartSmart

Put Your Home’s Equity to Work

Checking Account Features

Lake City Bank Digital

Go Paperless

Debit/ATM Card

Direct Deposit

Meet Your Local Banker

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