PERSONAL CHECKING
Minimum opening deposit is only $50.

• No minimum balance
• No monthly service charge
• No per check charge
• Unlimited check writing
• Easy-to-balance monthly statement
• FREE return of check images for easy record keeping
• Free Lincoln Community Bank Debit card
• Free Online Banking
• Free Online Bill Pay

50 + with Interest – free for customers 50 and over.

• Competitive interest
• No minimum balance
• No monthly service charge
• No per check charge
• Unlimited check writing
• Easy-to-balance monthly statement
• Free return of check images for easy record keeping
• Free Lincoln Community Bank Debit card
• Free Online Banking
• Free Online Bill Pay

E-Z Free with Interest – free checking with the convenience of direct deposit or any automatic payment.

• Competitive interest
• No minimum balance
• No monthly service charge
• No per check charge
• Unlimited check writing
• Easy-to-balance monthly statement
• Free return of check images for easy record keeping
• Free Lincoln Community Bank Debit card
• Free Online Banking
• Free Online Bill Pay

Low Minimum with Interest – your checking account earns money.

• Competitive interest
• No monthly service charge with a minimum balance of just $500
• No per check charge
• Unlimited check writing
• Easy-to-balance monthly statement
• Only $6 monthly charge if minimum balance falls below $500
• Free return of check images for easy record keeping
• Free Lincoln Community Bank Debit card
• Free Online Banking
• Free Online Bill Pay

High Interest – an account for those interested in higher interest.

• Higher interest rates with a balance of $2,500 or more
• Competitive interest if balance falls below $2,500
• No per check charge
• Unlimited check writing
• Easy-to-balance monthly statement
• Only $8 monthly charge if minimum balance falls below $1000
• Free return of check images for easy record keeping
• Free Lincoln Community Bank Debit card
• Free Online Banking
• Free Online Bill Pay

No Minimum with Interest – FREE checks, interest and unlimited check writing.

• FREE personalized checks
• Competitive interest
• No minimum balance
• Unlimited check writing
• Easy-to-balance monthly statement
• Free return of check images for easy record keeping
• Free Lincoln Community Bank Debit card
• Free Online Banking
• All for only $4 per month
• Free Online Bill Pay

eChecking with Interest – the convenience of electronic banking, plus interest.

• Competitive interest
• No minimum balance
• No monthly service charge
• Only 20¢ per check
• Easy-to-balance monthly statement
• Free return of check images for easy record keeping
• Free Lincoln Community Bank Debit card
• Free Online Banking
• Free Online Bill Pay
  

Lincoln Premium Money Market – our highest interest.

• Interest rates vary based on balances
• No monthly service charge with a minimum balance of $2,500
• Only $10 monthly charge if minimum balance falls below $2,500
• Six preauthorized withdrawals or transfers are allowed per month
• Only 6 may be by check, draft or debit card to a third party
• Only a $5 charge for each withdrawal over the six allowed
• Interest rate is determined by prevailing market conditions

BUSINESS CHECKING

Business Classic – for every business.

• No minimum balance required
• No monthly service fee

Business Classic Plus – a low minimum balance with interest account.

• Interest will be paid on this account monthly
• The interest rate may change at any time
• No monthly service charge with a minimum balance of $500
• Only $10 monthly charge if minimum balance falls below $500

Business Classic Gold – a higher interest earning account.

• Interest will be paid on this account monthly
• The interest rate may change at any time
• No monthly service charge with a minimum balance of $2,500
• Only $15 monthly charge if minimum balance falls below $2,500

Business Lincoln Premium Money Market – our highest interest for all businesses.

• Interest rates vary based on balances
• No monthly service charge with a minimum balance of $2,500
• Only $10 monthly charge if minimum balance falls below $2,500
• Six preauthorized withdrawals or transfers are allowed per month
• Only 6 may be by check, draft or debit card to a third party
• Only a $5 charge for each withdrawal over the six allowed
• Interest rate is determined by prevailing market conditions

■ Business Classic Plus and Business Classic Gold accounts are not available to Corporations, Partnerships, or Limited Liability Companies. 

SAVINGS

Regular – available to Individuals and Businesses.

• No minimum deposit to open
• First three months are free
• No quarterly charge with a minimum balance of $100
• Only $3 quarterly charge if minimum balance falls below $100
• Business, direct deposit, full-time student* and senior citizens are not subject to quarterly minimum balance requirements
• Interest is compounded and credited quarterly

*   After age 20, yearly verification of full-time student status is required.

Minor or Wisconsin Uniform Transfers to Minors Act – for Individuals under age 18.

• No minimum deposit to open
• Interest is compounded and credited quarterly
• Must have an adult or custodian to oversee the account
• No service fees

Tax Savings Account

• No minimum deposit to open
• Interest is compounded and credited quarterly
• No service fees

Christmas Club – a higher interest savers account.

• Only a $2 deposit to open
• No penalty unless early withdrawal
• Interest is paid at maturity
• Convenient interest payment methods

CERTIFICATES OF DEPOSIT

Speak with a Customer Service Representative for current rates.

• Certificates are available in terms of days and months
• Competitive interest rates
• You choose when you want your interest paid
• Convenient interest payment methods
• A 10 day renewal period at maturity allows for changes without loss of interest
• Penalties are imposed only on early withdrawal

INDIVIDUAL RETIREMENT ACCOUNTS

     IRA’s are available as a Certificate of Deposit.

• The Traditional IRA offers tax-deductible contributions and is available to anyone under age 70 ½.
• A Roth IRA has no age limit but you must have earned income to contribute.  All contributions are nondeductible, and may be withdrawn tax-free.
• A Simplified Employee Pension IRA offers tax-deductible contributions and may be set up by any business owner/employer on their employee’s behalf.  The business owner may be a sole proprietor, a partnership or a corporation.  The account holder must be under the age of 70 ½ to contribute.