Essential Checking

Manage your money your way without Overdraft and NSF fees with Essential Checking.


  • $25 minimum deposit to open
  • $5 monthly maintenance fee
  • No Overdraft fee or NSF fee1
  • Unlimited check writing
  • Debit card, Lake City Bank Digital, Zelle®2

Bank On seal LCB Certified

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.

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 or call our One Call Center at (888) 522-2265.

2Must be age 18 to use Zelle®                                                                                                                                                           

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

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