* To qualify for the rewards you must meet the following requirements per monthly qualification cycle:

• Debit Cards: 12 debit card point-of-sale transactions must post and clear your account per monthly qualification cycle.
• Electronic Statements: Receive your monthly account statement electronically.
• Direct Deposit or ACH: Direct deposit of your net paycheck from your employer, pension, or government benefits to this account or qualifying ACH credit must post and clear your account per monthly qualification cycle.

Cash back payments and ATM fee reimbursements will be credited to your account on the last day of the current statement cycle. LNB Foreign Transaction fee $2.00. A $2.00 mailing fee for paper periodic statements will be waived when the primary account holder meets the age requirement of 55 years or older.

If qualifications are not met, no cash back payments are made and ATM fees are not refunded.

Monthly qualification cycle – Ends one business day prior to the last business day of the month and starts by including the last business day of the previous month.

** ATM Fee refunds (whether imposed by LNB or a third party) up to $15 provided only if qualification are met within monthly qualification cycle.

*APY = Annual Percentage Yield
**Minimum to open account is $25 for Free Rewards Checking. Annual Percentage Yield (APY) accurate as of 4/1/2021. Free Rewards Checking rate tiers are as follows: 0.40% applies to balances of $0.01-$15,000 and 0.10% applies to the portion of balances over $15,000 if qualifications are met during monthly qualification cycle. 0.01% applies to all balances if qualifications are not met. All balances will earn 0.40% APY-0.10% APY if qualifications are met. Monthly qualifications include having at least 12 debit card purchases, have at least one direct deposit or ACH credit, and receive e-statements. Qualifications must post and clear the Free Rewards Checking during the monthly qualification cycle. Intra-bank transfers do not count as qualifying transactions. Rates may change after account is opened. LNB Foreign Transaction fee $2.00. A $2.00 mailing fee for paper periodic statements will be waived when the primary account holder meets the age requirement of 55 years or older.
***ATM Fee refunds (whether imposed by LNB or a third party) up to $15 provided only if qualifications are met within monthly qualification cycle.

Minimum balance to open the account – You must deposit $25.00 to open this account. Minimum balance to avoid imposition of fees – A maintenance fee of $5.00 will be imposed every statement cycle if the balance in the account falls below $300.00 any day of the cycle. This fee will be waived if you have direct deposit or the Primary Account holder meets the age requirement of 55 years of age or older. A $2.00 mailing fee for paper periodic statements will be waived when the primary account holder meets the age requirement of 55 years or older.

Rate Information – The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the Rate Sheet. Your interest rate and annual percentage yield may change. Frequency of rate changes. We may change the interest rate on your account at any time. Determination of rate – At our discretion, we may change the interest rate on your account. Compounding and crediting frequency – Interest will be compounded every day. Interest will be credited to your account every month. Effect of closing an account – If you close your account before interest is credited, you will not receive the accrued interest. Minimum balance to open the account – You must deposit $1,500.00 to open this account. Minimum balance to avoid imposition of fees – A maintenance fee of $10.00 will be imposed every statement cycle if the balance in the account falls below $1,500.00 any day of the cycle. Minimum balance to obtain the annual percentage yield disclosed – You must maintain a minimum balance of $1,500.00 in the account each day to obtain the disclosed annual percentage yield. Daily balance computation method – We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Accrual of interest on noncash deposits – Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). A $2.00 mailing fee for paper periodic statements will be waived when the primary account holder meets the age requirement of 55 years or older.

Minimum balance to open the account – You must deposit $25.00 to open this account. Transaction limitations: You may make an unlimited number of deposits without incurring any additional charge. Fees: A maintenance fee of $3.00 will be charged each statement cycle. A debit fee of $.25 will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account) in excess of eight during a statement cycle. Additional Features: A withdrawal shall be deemed to be made when it is recorded on our books, which is not necessarily the date that you initiated the transaction. A $2.00 mailing fee for paper periodic statements will be waived when the primary account holder meets the age requirement of 55 years or older.