Checking

Account Type

Min. Balance
to Open

Monthly Service Charge

Balance To Avoid Service Charge

Min. Balance to Earn Interest

Green Rewards Checking

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$25

N / A

N / A

All Balances Tiered based on qualifications

Green Rewards Checking

Monthly Qualifications

Rewards Rate Qualifications for each monthly qualification cycle.

  • Have at least (12) Debit Card purchases post and clear each qualification cycle
  • Accept online statement delivery (eStatement)
  • And one of the following:
    • One (1) Direct Deposit or
    • One (1) Automatic Payment or 
    • One (1) Bill Pay through Online Banking post and clear your account each cycle.


Minimum to open account is $25.00.  Annual Percentage Yield (APY) accurate as of 1/1/2012.  Rate tiers are as follows:  1.52% APY applies to balances of $0.01-$25,000.00 and 0.10% APY applies to balances above $25,000.00 if qualifications are met each monthly qualification cycle; 0.02% APY applies to all balances if monthly qualifications are not met. Rates may change after the account is opened.  Fees may reduce earnings. Qualifying transactions must post and clear the account during the monthly qualification cycle.  Transactions may take one or more business days from the transaction date to post and clear to an account from the date the transaction is made.  Intra-bank transfers do not count as qualifying ACH transactions.  ATM Fee reimbursements up to $25.00 provided only if qualifications are met within the monthly qualification cycle.

2nd Chance Checking

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$25

$8

N / A

N / A

2nd Chance Checking

2nd Chance Checking is an opportunity to begin to reestablish a normal bank account for those who might otherwise not qualify. After one year of maintaining your 2nd Chance Checking account in good standing* you may request to move to another LCBT checking product. An opening deposit of $25 is required.

  • $8 monthly fee with eStatements ($11 per month with paper statements)
  • $250 daily transaction limit on debit card
  • Check printing at an additional charge (prices vary)

To obtain this account, you cannot owe any financial institution money on previous deposit accounts. This account is not eligible for Courtesy Overdraft Service.

*Good standing: No levies, liens or garnishments and no more than six overdrafts in a 12 month period.

LCBT Checking

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$25

N / A
with eStatements

N / A

N / A

LCBT Checking

LCBT Checking offers all the basics you want in a checking account with access to LCBT's online and mobile Banking products.

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

*Paper statements an additional $3 per month.

 

Gold Checking

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$25

$6.00
Membership Fee

N / A

N / A

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

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$25

$5.00

$500

All Balances

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 Interest Checking customers.

Prestige Checking

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$500

$5.00

$500

$1,000 + Tiered

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

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$500

$4.00

N / A

$1,000 + Tiered

Prestige Plus Checking

This account offers a package of services designed for individuals age 55 and older, with 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

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$3,000

$25-Below $3,000

$15-$3,000-$9,999.99

$10,000

$3,000 + Tiered

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

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$25

N / A

N / A

N / A

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 20 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 an LCBT 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.

 

Features Included in all Personal Checking Accounts

  Online Banking with Check Imaging

  Bill Pay

  eStatements

  ATM Debit Card

  Courtesy Overdraft Protection up to $700*

  Unlimited checking with no per-check fees

  Check Safe Keeping

*Courtesy Overdraft Protection is subject to qualification. If you overdraw your account, and we pay your overdraft, we will charge you $30 for each debit that caused or added to the overdraft. Debits include checks, in person withdrawals, ATM withdrawals or other electronic items. You must pay any overdraft and any applicable fees immediately without demand from us. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically will not pay any overdraft if your account is not in good standing, you are not making regular deposits or you have too many overdrafts. An account is not in good standing if it is not brought to a positive balance at least once every 30 days, your checking account is subject to any legal or administrative order or levy or if you are in default on any loan or other obligation to us.

*Courtesy Overdraft Protection not available for 2nd Chance Checking.

Main Office: 83 W. Nepessing St. P.O. Box 250 Lapeer, MI 48446
NMLS #458980