At Lakestone Bank & Trust, we have a variety of account options to meet the needs of your growing business or organization. Additionally, you can add any of the following services, to make your banking faster and more convenient: online, mobile and text banking, bill pay, eStatements, debit card and Courtesy Overdraft Protection(4).

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(1) $.40 per item over 100. An item is a debit, credit or deposited item. eStatements are required.

(2) In addition to the $8.00 monthly service charge there is a $.19 charge per debit and $.10 charge per check that is deposited. The earnings credit is used to offset activity charges based on the average collected balance.

(3) In addition to the $8.00 monthly service charge there is a $.19 charge per debit and $.10 charge per check that is deposited. No earnings credit.

All fees associated with checks, stamps and deposit books are extra.

(4) Courtesy Overdraft Protection is subject to qualification. If you overdraw your account, and we pay your overdraft, we will charge you $40 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 the customer (1) makes sufficient deposits 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) avoids excessive overdrafts suggesting the use of Courtesy Overdraft Service as a continuing line of credit; (3) there are no previously charged off accounts, legal orders, levies or liens against your account. 


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