Lakestone Bank & Trust has a variety of personal checking accounts to meet your needs. These accounts come with online, mobile and text banking, bill pay, eStatements, Direct Line telephone banking, debit card and Courtesy Overdraft Protection(3).

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(1) eStatements are required.

(2) eStatements are required. Higher interest rates will be paid for accounts that meet the monthly qualifications. See account details. 

(3) 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. For overdraft privilege consideration, an account is in“good standing” if you (1) deposit enough money to bring your account to a positive end-of-day balance at least once every 30 calendar days (including the payment of all bank fees and charges); (2) avoid excessive overdrafts suggesting the use of Courtesy Overdraft Service as a continuing line of credit; and (3) have no charged off accounts, legal orders, levies or liens against your account.. Courtesy Overdraft Protection is not available for 2nd Chance Checking. 

(4) If minimum daily balance is not met, the monthly service charge will be assessed.


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