With LNB's Courtesy Pay enjoy overdraft coverage* if you overdraw your account. This service covers your checks, ACH transactions, reoccurring debit card transactions, point-of-sale (POS) and ATM transactions**.

*Interest bearing accounts will receive a $750 Courtesy Pay limit. Non-interest bearing accounts will receive a $500 Courtesy Pay limit. ** Whether your overdraft(s) will be paid is discretionary and we reserve the right not to pay under certain circumstances. For example, we typically do not pay overdrafts if your account is not in good standing, you are not making regular deposits, or you have too many overdrafts. A $36.00 fee may be imposed for covering each overdraft created by check, in-person withdrawal, ATM withdrawal, or other electronic means causing the account to overdraw. A Continuous Overdraft Fee of $5.00 will be imposed for each calendar day the account remains overdrawn beginning on the fifth (5th) day of the overdraft. We will not charge a Courtesy Pay ATM/POS fee if your ATM or POS transactions is in the amount of $5.00 or less.

• Enjoy the convenience of having your payroll, retirement, or government checks automatically deposited and ready for you to use
• Save yourself the time and trouble of making an extra trip to the bank to cash your check. Your money will be available for you to use every payday---even when you're on vacation or ill.

• Make card purchases directly from your checking account at millions of locations worldwide.
• Eliminate the hassles of waiting for check approvals.
• Pay no interest charges because the money comes directly from your checking account (Your transaction is paid for immediately -- no credit is involved).
• Pay no annual fee.
• Choose your own personal identification number (PIN) for greater convenience.
• Make fast, convenient withdrawals 24/7 at any ATM -- Go to ATM locations to find out where they are.
• Make quick deposits at LNB branch office ATMs.

• Receive your statements safely and securely electronically.
• Eliminate the risks of having paper statements intercepted from your mailbox.

• Check your account balances and listen to your transaction history for all your LNB accounts.
• Monitor check activity.
• Transfer funds between LNB accounts.
• Make LNB loan payments.

Call toll-free 1-888-946-2212

• LNB uses Falcon Fraud Prevention Services to continually monitor your debit card activity and prevent fraudulent transactions from occurring on your account.
• If Falcon Fraud believes there are suspect transactions occurring on your card, Falcon will contact you to verify that you made them.
• If Falcon Fraud Manager detects potential fraud and cannot reach you directly, they will contact LNB. One of our representatives will then contact you.
• NOTE: If you attempt to use your card prior to verifying the transactions, your card will decline transactions.
• If you confirm fraudulent activity, your debit card will then be shut down to prevent further transactions. Please call LNB during normal business hours to dispute the transactions and re-activate your card.
• If you validate the transactions, the card will be temporarily flagged so you can continue to use it.

Gift Cards are a perfect for any occasion. You can purchase them at any of our branch locations from $25, up to $749, or online, of up to $500 at www.harlandclarkegiftcard.com. Gift cards can be used anywhere in the world where the VISA debit is accepted.

Money Orders are a safe, convenient, and economical alternative to sending cash through the mail. Purchase money orders, up to $1,000 at any of our branch locations.

Official Checks are a simple option to verify funds immediately. Official Check purchase amounts are unlimited, and available at all of our branch locations.

• Check your account balances and view transaction history.
• Monitor check activity.
• Transfer funds between LNB accounts.
• Make LNB loan payments.

• Pay your bills online---anytime that fits your schedule.
• Setup automatic monthly bill payments.
• Save the time and trouble of writing checks and mailing your payments.
• Make one-time payments easily and conveniently.

• If you are planning to travel within the United States or Canada, you can request that your card not be monitored in order to make purchases. In doing so, you will avoid any blocks from being placed on the card while on vacation, agreeing to take full responsibility for any fraud as a result of this request. Simply stop by your local branch.
• If you plan to travel outside of the United States or Canada, all foreign transactions will be blocked.

• To report a lost or stolen LNB VISA^® debit card, please call 1-800-417-8715.

Keep valuables secure with an LNB safe deposit box. Contact your local branch for more information. See below for additional service details*.

Transfer funds bank to bank safely and securely.

• Falcon and LNB may ask you to confirm the last 4 digits of your Social Security Number, but we will never ask you to provide your full Social Security Number. You will never be asked to give your card number, account number or PIN. You will only be asked to verify specific transactions on your account.
• The contents of your safe deposit box may not be fully protected against loss under insurance coverage maintained by the Bank or safe deposit company. For your protection you may wish to secure your own insurance through an insurance company of your choice.