- $50 minimum to open
- $9 monthly maintenance fee ($7 with eStatement); pay no monthly maintenance fee when you meet the monthly qualifications
- Unlimited check writing
- IDProtect® Score Tracker
- Identity Fraud Recovery and Resolution
- Cell Phone Protection
- Debit card, online banking, online bill pay and mobile banking
- Overdraft services1
- 0.36% APY2 paid on balances up to $15,000
- 0.16% APY2 paid on balances greater than $15,000
- Up to $25 monthly reimbursement on ATM fees nationwide
Monthly Qualifications to Receive Rewards
- Make 8 debit card purchases that post and clear per qualification cycle3
- Have one direct deposit or ACH auto debit post and clear per qualification cycle
- Enroll in eStatements and maintain a valid email address with Lake City Bank
- Qualification Dates
Click here to learn about our Rewards Savings account – a perfect companion to Rewards Checking.
1Subject to approval
2APY = Annual Percentage Yield. Quoted APY is accurate as of May 25, 2018. 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.
3Debit card purchases are counted the day they clear your account which may be later than the transaction date.