Rewards Plus Checking

credit and debit cards image

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

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  • $25 minimum to open
  • $9 monthly maintenance fee ($7 with eStatement); pay no monthly maintenance fee when you meet the monthly qualifications
  • Unlimited check writing
  • Debit card, Lake City Bank Digital, Zelle®
  • Overdraft services1


  • 1.51% APY2 paid on balances of $10,000
  • 0.80% APY2 paid on balances greater than $10,000
  • Up to $25 monthly reimbursement on ATM fees nationwide

Monthly Qualifications to Receive Rewards

  • Maintain a minimum $10,000 balance
  • Make 15 debit card purchases that post and clear per qualification cycle3
  • Have one direct deposit post and clear per qualification cycle
  • Enroll in eStatements
  • Qualification Dates

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.

Click here to learn about our Rewards Plus Savings account – a perfect companion to Rewards Plus 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. Or

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1Subject to approval
2APY = Annual Percentage Yield. Quoted APY is accurate as of June 4, 2023. 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.

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

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