Lusitania Savings Bank

 

Personal Checking Accounts

  Value
Checking

This Value checking can make the most of your money. Not only pays you interest, but you can benefit from all the other free services when you bank with us.
Regular
Checking

This Regular checking account gives you the FREEdom that you need.
Basic
Checking

This Basic checking is very popular among senior citizens and students.
Opening
Balance
$100 $100 $50
+Interest Yes No No
Internet Banking/
Bill Pay
FREE FREE FREE
Phone Banking FREE FREE FREE
*Overdraft
Protection
Available Available Available
Checkwriting
Priviledges
Unlimited Unlimited Unlimited
Monthly Service
Charge
NO CHARGE, when you maintain a combined deposit of $1000 on any account under your name. Otherwise, there is a monthly fee of $10.00. No monthly service charge.
No monthly minimum balance.
$3
Debit/ MasterMoney Available Available Available
Other FREE
Services
Bill Pay
NO ATM Transaction fees.
55,000 Allpoint Surcharge free ATMs.
Automatic Loan Payment.
24/7 Phone Banking - unlimited calls.
Bill Pay
NO ATM Transaction fees.
55,000 Allpoint Surcharge free ATMs.
Automatic Loan Payment.
24/7 Phone Banking - unlimited calls.
Bill Pay
NO ATM Transaction fees.
55,000 Allpoint Surcharge free ATMs.
Automatic Loan Payment.
24/7 Phone Banking - unlimited calls.
Another difference yet is our personalized and friendly service.

 

Personal Checking Accounts
We feature a variety of checking accounts tailored to suit your financial needs, with unlimited check writing privileges, MasterMoney Debit Card, automatic loan payments, Internet Banking, Bill Pay, and 24/7 Phone Banking. Overdraft protection is available*.

Value Checking
This account pays competitive interest rate when you maintain a daily balance of $5,000. In addition, there are no monthly maintenance charges when a balance of $1,000 is maintained on any account you may have with our institution.

     Minimum Deposit to open $100.00
     Minimum amount to obtain APY+ $5,000.00
     Minimum combined balance requirement $1,000.00
     Check writing Unlimited

 

Regular Checking
Totally free checking no question. No monthly maintenance charges no minimum balance required. This account gives you the freedom that you need.

     Minimum Deposit to open $100.00
     Minimum balance requirement
(account must be active)
None
     Check writing Unlimited

 

Basic Checking Account
The Basic Checking is very popular among senior citizens and students.

     Minimum Deposit to open $50.00
     Minimum balance requirement None
     Monthly service charge $3.00
     Check writing Unlimited

 

 


*Overdraft Protection
For peace of mind you may elect to have overdraft protection on your checking account and never worry about bouncing a check again. There are two options available for overdraft protection:

Savings Account Overdraft Protection where you link your savings account to your checking. In case of insufficient or uncollected funds in your checking, funds will be transferred from your savings account to your checking account. Transfer fee will apply.
Overdraft Loan Protection acts as a personal/business line of credit to cover an overdrawn account. Subject to credit approval.
For more information, please contact a customer service representative at any of our locations.

 

+Annual Percentage Yield (APY)
Lusitania Savings Bank uses the daily average balance compounding method to calculate the interest on your account(s). The annual percentage yield (APY) on your account assumes that the funds will be on deposit for a full year at the initial rate and that interest is credited to the principal when paid. Interest will be paid monthly. Except for fixed rate deposits, interest rate and annual percentage yield (APY) may be adjusted at any time without notice. No interest will be paid for the days the account is below the minimum amount required. The minimum amount to obtain APY is $100.00 on Savings Accounts and $500.00 on CDs. The minimum amount to obtain APY on Value Checking is $5,000.00. Fees and/or penalties charged to your account may reduce earnings. Overdraft fees may apply to overdrafts created by check, in-person withdrawal, ATM withdrawal or other electronic means as applicable.


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