Basic Checking

With everything you need in a checking account, Basic Checking gives you unlimited check writing and unlimited Lake City Bank ATM and debit card transactions.

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  • $25 minimum deposit to open
  • $9 monthly maintenance fee ($7 with eStatement); pay no monthly maintenance fee with any one of the following:
    – Maintain a $1,500 minimum balance, or
    – Make 15 debit card purchases that post and clear per statement cycle1, or
    – Have 1 direct deposit post and clear per statement cycle1, or
    – Have 1 SurePay loan payment post and clear per statement cycle1, or
    – Younger than 212
  • Unlimited check writing
  • Debit card, Lake City Bank Digital, Zelle®
  • Overdraft services3

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. Or

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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 you reach age 21, we will charge a monthly maintenance fee unless you meet one of the other qualifications for waiving the fee.
3Subject to approval

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

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