Checking

Simple Earnings Checking

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

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Details

  • $25 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

  • 0.00% APY2 paid on balances up to $4,999.99
  • 0.55% APY2 paid on balances from $5,000 to $49,999.99
  • 0.90% APY2 paid on balances of $50,000 or more

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 April 22, 2025. 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.


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

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