Free checking
No minimum balance requirements apply to this account. You may make unlimited deposits into your account. You will need to purchase duplicate checks to maintain transaction details for your records. You will receive a monthly statement. You will not receive images of the cancelled checks.

Regular checking account

• No monthly fee will be assessed if a $1,000 average balance is maintained during the statement cycle.
• It is the customer's responsibility to notify the Bank upon becoming disabled, a full-time student, or age 65 to receive a checking account with no maintenance fees.

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NOW account

• The minimum balance required to open a NOW account is $1000.
• Your interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on your account at any time.
• Interest begins to accrue on the business day you deposit non-cash items (for example, checks).
• Interest is compounded daily and credited monthly. If you close your account before interest is credited, you will not receive the accrued interest, except in case of death.
• 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. (These disclosures are applicable to regular NOW account and the "New Outlooks Club" NOW account.)

For overdraft protection, consider applying for a Personal Credit Line!

You can access your Exchange State Bank checking accounts by using a Debit or ATM card.

For more information, e-mail us at: deposits@lanarkbank.com