We’re all unique.
Our solutions should be too.

Checking Accounts

We’re all unique. Our solutions should be too.

Lake Area Bank offers a variety of checking accounts to meet your individual goals. Whether you prefer to keep it basic with our Simply Checking account, maintain a higher balance with Advantage Checking, or reap the rewards in our PERKS Premium account, we’ve got you covered.

Crave extraordinary perks? Our unique PERKS Premium account is specifically designed to save you time and money with stronger product offerings and an exclusive membership into the Benefits Plus® discount program.*  Take advantage of a checking account that can actually save you money!

  Simply Checking Advantage Checking Perks Premium Checking
Minimum balance1 No Minimum $1,000 No Minimum
FREE eStatements2
FREE online banking with Bill Pay2
FREE mobile banking and mobile deposit2
Safety Net discretionary overdraft service3
Free person-to-person payments (Popmoney)
Interest bearing   Tiered Highest Yield
50% discount on annual safe deposit box fee    
Free order of LAB checks4   1 Box/Year Unlimited
Free cashiers checks (1/Month)   
Reimbursed LAB ATM fees outside of network5   Up to $10/Month Unlimited
Free debit card replacements  
Access to Perks Premium Savings6    
Benefits Plus Membership  
Monthly Account Rewards Membership $0.00 $0.00^ $4.95^^

Interested in PERKS Premium Checking?

Learn more about the rewards offered by Benefits Plus

* Benefits Plus® program exclusive in Lake Area Bank branch locations.

1 Minimum opening deposit for checking accounts is $50.00.  Talk to a banker or see our Fee Schedule and Terms & Conditions for additional account information.

2 Third party internet/data fees may apply.

3 Some account restrictions apply. Visit a banker to see if you’re eligible.

4 Or $10 off different design style.

5 Account holder must contact Lake Area Bank within 60 days following the statement date where the fees appeared. Reimbursement will be applied to the account it was charged to.

6 Perks Premium Savings account offers premium tiered interest rates and is exclusive to Perks Premium Checking account holders.

^ A monthly $10.00 fee will be charged if average minimum balance of $1,000 is not maintained.

^^ Monthly membership fee will be automatically deducted from your PERKS checking account.

Convenience at Your Fingertips

Sign up for Online Banking Today!

Introducing Safety Net*, a discretionary overdraft service added to your checking account to cover overdrafts on check and ACH transactions. As an optional feature, Safety Net can also be extended to your debit card for added discretionary overdraft service on your ATM and everyday debit card transactions. To add Safety Net service to your debit card, please contact Lake Area Bank to opt-in to this additional coverage.

Note: If you do not have funds in your account to cover a transaction, Non-Sufficient Fund fees may apply regardless if you have Safety Net applied to your account. Safety Net is a service added to your account to help avoid transactions being declined when funds are not available.

*Subject to overdraft fees. Account must be in good standing. Subject to eligibility. We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined and a Non-Sufficient Funds fee may be assessed on the account.

Additional Services

Other products and services offered by Lake Area Bank.

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