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Basic Checking Essential Checking Simple Earnings Checking Rewards Checking Rewards Plus Checking StartSmart6
Checking
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 card purchases or
1 direct deposit or
1 SurePay loan payment1 or
younger than 212 		n/a $5000 minimum balance Meet Monthly Qualifications Meet Monthly Qualifications n/a
Special Features n/a Overdraft fee and NSF fee waived. Other fees listed in the Administrative charges waived section of the Essential Checking disclosure. 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. Overdraft fee and NSF fee waived until primary account owner reaches age 245. See StartSmart product disclosure for other waived fees.
Earns Interest n/a n/a check mark check mark check mark 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, and eStatement4 $10,000 minimum ledger balance and 15 debit card purchases and 1 direct deposit1 and eStatement4 n/a
Lake City Bank Digital
Bank anywhere, anytime, from any device. Transfer funds, pay bills, manage your finances, deposit checks, control your debit card with Card Controls, pay people with Zelle®3. 		check mark check mark check mark check mark check mark check mark
visa-logo Contactless Debit Card check mark check mark check mark check mark check mark check mark
Unlimited Check Writing check mark check mark check mark check mark check mark check mark
Minimum to open $25 $25 $25 $25 $25 $25

Change Accounts

Please select up to two options to compare.
Basic Checking Essential Checking Simple Earnings Checking Rewards Checking Rewards Plus Checking StartSmart6
Checking
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 card purchases or
1 direct deposit or
1 SurePay loan payment1 or
younger than 212 		n/a $5000 minimum balance Meet Monthly Qualifications Meet Monthly Qualifications n/a
Special Features
n/a Overdraft fee and NSF fee waived. Other fees listed in the Administrative charges waived section of the Essential Checking disclosure. 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. Overdraft fee and NSF fee waived until primary account owner reaches age 245. See StartSmart product disclosure for other waived fees.
Earns Interest
n/a n/a check mark check mark check mark 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, and eStatement4 $10,000 minimum ledger balance and 15 debit card purchases and 1 direct deposit1 and eStatement4 n/a
Lake City Bank Digital
Bank anywhere, anytime, from any device. Transfer funds, pay bills, manage your finances, deposit checks, control your debit card with Card Controls, pay people with Zelle®3.
check mark check mark check mark check mark check mark check mark
visa-logo Contactless Debit Card
check mark check mark check mark check mark check mark check mark
Unlimited Check Writing
check mark check mark check mark check mark check mark check mark
Minimum to open
$25 $25 $25 $25 $25 $25

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.
2When the primary account owner reaches their 21st birthday, the account will receive a monthly maintenance fee unless one of the other qualifications for avoiding the fee is met.
3Must 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.
4Qualification 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.

5When the primary account holder reaches their 24th birthday, the account will be subject to the Personal Administrative Charges Disclosure.
6Primary account owner must be between 14-23 years old to open

Go to lakecitybank.com/fees for a list of Personal Administrative Charges that may apply. See Personal Account Terms and Conditions and the appropriate product disclosure for more details or call our One Call Center at (888) 522-2265.

Goals, as referred to herein, constitute the Goals Account described in Section E Investment Accounts of the Personal Accounts Terms and Conditions.

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Apple Pay is a trademark of Apple Inc, registered in the U.S. and other countries. Google Pay is a trademark of Google, Inc.

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