Simple Earnings Checking

The name says it all. Enjoy a great rate on your checking balances with minimal qualifications.


  • $50 minimum to open
  • $9 monthly maintenance fee ($7 with eStatement)
  • Pay no monthly maintenance fee with $5,000 minimum balance
  • Unlimited check writing
  • Debit card, Lake City Bank Digital, Zelle®
  • Overdraft services1

Interest Rates and Tiers

  • 0.10% APY2 paid on balances from $5,000 to $49,999
  • 0.20% APY2 paid on balances of $50,000 or more

Drop in one of our branch locations or call our One Call Center at (888) 522-2265 for more information or to open an account. Or:

1Subject to approval
2APY = Annual Percentage Yield. Quoted APY is accurate as of April 16, 2021. 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.
Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

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