Personal Checking

PERSONAL CHECKING ACCOUNTS

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, or reap the rewards in our PERKS accounts, we’ve got you covered.

Crave more perks? Our unique PERKS accounts are specifically designed to save you time and money with stronger product offerings and an exclusive membership into the Benefits Plus® discount program.*  With three tiers of PERKS Checking accounts, you’re sure to find the right one for you!

 Simply CheckingPerks CheckingPerks Plus CheckingPerks Premium Checking
No minimum balance**
FREE eStatements***
FREE online banking with Bill Pay***
FREE mobile banking and mobile deposit***
Safety Net discretionary overdraft service****
Unlimited check writing
Interest bearing Higher
Free order of LAB checks (1 box/year)  
Free order of LAB checks (unlimited)^   
Free cashiers checks (1/Month)   
Reimbursed ATM fees outside network^^   
Free debit card replacements   
Access to Perks Premium Savings^^^   
Benefits Plus Membership Level 1Level 2Level 3
Monthly Account Membership Fee$0.00$2.95$3.95$4.95

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

Learn More

Explore the levels of Benefits Plus Memberships

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

** 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.

*** Third party internet/data fees may apply.

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

^ Or $10 off different design style.

^^ 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.

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

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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    From time to time, we provide links to other websites for the use of our customers, which have been compiled from internal and external sources. By clicking “continue” below, you will be opening a new browser window and leaving our website. Although we have reviewed the website prior to creating the link, we are not responsible for the content of the site.