Green Rewards Checking

This checking account offers premium interest and automatic refunds on ATM Check Card transaction fees nationwide.

• An opening deposit of $25 is required
• No monthly fee and no minimum balance
• Interest paid on all balances
• Check printing at an additional charge (prices vary)
• View LCBT's Green Rewards.com

Rewards

• 2.55% APY (Annual Percentage Yield) on balances up to $50,000
• 0.20% APY on balances over $50,000
• 0.20% APY on non-qualifying balances (if you do not meet all qualifications)
• ATM transaction fees nationwide are automatically refunded (up to $25.00) at the end of your statement cycle

Monthly Qualifications

Earning your rewards is free and easy. Simply meet the following qualifications each month.

• Make 12 ATM Check Card purchases per monthly statement cycle*
• Set up one Direct Deposit, or one ACH automatic payment, or make one payment using Online Banking’s Free Bill Pay*
• Enroll and receive your statements online…eStatements

If you do not meet the qualifications during a monthly statement cycle, your account will still function as a free checking account earning 0.20% APY on the entire balance. You will not receive ATM transaction fee refunds for that time period. Each month you will be eligible to meet the qualifications and earn rewards.

*Transactions must be posted, not pending—excludes ATM Transactions.  Green Rewards Checking interest rates effective 03/10/10.  All rates and terms subject to change

Free Checking

This account lets you manage your money with no monthly fee and no minimum balance requirements.

• An opening deposit of $25 is required
• No monthly fee and no minimum balance
• Check printing at an additional charge (prices vary)

Bonus Benefits is a package of benefits available to our Free Checking and Interest Checking customers.

Gold Checking

This is our best checking account, offering a package of Bank benefits and lifestyle services for one small fee per month.

• An opening deposit of $25 is required
• A monthly fee of only $6 and no minimum balance requirement
• Free Basic checks (or 50% discount on designer checks)
• Consumer loan savings
• No fee traveler's checks
• Free notary service
• Payment Card & Personal Identity Protection
• $10,000 Travel Accidental Death Insurance
• Local & National Dining Savings
• Hotel Discounts
• Additional Travel & Recreation Discounts
• Local & Online Shopping Discounts
• Local Services Discounts
• Free Estate Planning Consultation

Interest Checking

Designed for individuals who like to maintain a higher balance in their checking account but don't want to miss out on the interest they could be earning in a savings account.

• An opening deposit of $25 is required
• No fee with $500 balance, otherwise $5 per month
• Interest paid on all balances
• Check printing at an additional charge (prices vary)

Bonus Benefits is a package of benefits available to our Free Checking and Interest Checking customers.

Prestige Checking

This account offers a package of services designed for individuals age 55 and older. Our Prestige members save money on popular banking services.

• An opening deposit of $500 is required
• No fee with $500 balance, otherwise $5 per month
• Interest is compounded and credited to your account monthly on balances of $1,000 or more
• Free basic checks (or 50% discount on designer checks)
• No fee traveler's checks and personal money orders
• Free notary service and signature guarantee
• Trust and Estate Planning Consultation
• Prestige Pages newsletter
• Special events and travel

Select for travel and event information  Prestige Club 

Prestige Plus Checking

This account offers all the banking benefits of our Prestige Checking account plus many great lifestyle products and services.

• An opening deposit of $500 is required
• A monthly fee of only $4 and no minimum balance requirements
• Interest is compounded and credited to your account monthly on balances of $1,000 or more
• Free basic checks (or 50% discount on designer checks)
• No fee traveler's checks and personal money orders
• Free notary service and signature guarantee
• Trust and Estate Planning Consultation
• Prestige Pages newsletter
• Special events and travel
• $25,000 Travel Accidental Death Insurance
• Local & National Dining Savings
• Travel, Hotel & Recreation Discounts
• Local & Online Shopping Discounts
• Local Services Discounts
• Emergency Travel Assistance
• Pharmacy Savings Program
• Vision Savings Program
• Hearing Savings Program
• Payment Card & Personal Identity Protection

Select for travel and event information  Prestige Club 

Choice Checking

The “Choice” is an investment account offering more features than a savings account or a money market account.  You have the option of allowing your entire investment to remain in the community, or sweep balances in excess of $10,000 into an investment fund.  And, you may add or withdraw from your account at any time.  

• An opening deposit of $3,000 is required
• No monthly maintenance fee if you maintain a Minimum Balance of $10,000
• Your choice of three different investment options for balances over $10,000
  • Daily balances over $10,000 remain on deposit with Lapeer County Bank & Trust Co.
  • Funds in excess of $10,000 are swept into Federated Funds’ Automated Cash Management Trust, a money market mutual fund
  • Funds in excess of $10,000 are swept into Federated Funds’ Tax-Free Instrument Trust, a money market mutual fund
• 50 free checks
• Interest is compounded and credited to your account monthly
• No fee on American Express Travelers Cheques
• Any funds swept out of the Bank are not FDIC insured

Student Benefits Checking

This account offers you everything you need to access and manage your money, at home or at school and it's free from monthly service fees and minimum balance requirements.

• An opening deposit of $25 is required
• Free checking with no minimum balance requirements
• Monthly reimbursement of up to $10.00 for other institutions' ATM transaction fees*
• Waiver of non-Lapeer County Bank & Trust Co. ATM fees for the first five withdrawals monthly*
• First order of 50 checks free
• Free 24 hour telephone banking

Student Benefits Checking account is designed for graduated high school students ages, 17-24, continuing their education. Upon turning 25, your account will automatically be converted to a Lapeer County Bank & Trust Co. Free Checking account.

*A withdrawal at an ATM not owned by Lapeer County Bank & Trust Co. is subject to a fee from Lapeer County Bank & Trust Co. We will waive this fee for the first five (5) withdrawals per month. In addition, the owner of an ATM may impose an immediate additional access fee. We will reimburse up to $10.00 of these fees in the month after they are charged to your account.