Personal Checking
Your money, your rules—banking made easy at LNB.
Explore our range of checking accounts tailored to fit your lifestyle. Whether you’re saving for the future, managing daily finances, or looking for exclusive perks, we have an option just for you!
Funds Availability Policy Disclosure
At Lincoln National Bank, most deposits are available the next business day, with electronic direct deposits accessible the day we receive them. In certain cases, check deposits may have a hold, but we’ll always notify you if delays apply and when funds will be available.
View Funds Availability Policy (PDF)Dormant Fee
Keeping your account active keeps fees away! A $10 Dormant Fee applies only if your balance falls below $100 and there’s no activity for 180 days. Stay engaged, and let your money work for you!
| Account | Minimum to Open | Monthly Charge | Balance Required |
|---|---|---|---|
| Lincoln Money Saver Checking | $100 | None | None |
| Regular Checking | $100 | $7 | $500 |
| Super Now Checking* | $100 | $7 | $1,000 |
| Hi Fi Account* | $100 | $7 | $2,500 |
| Lincoln Exclusive Club Basic | $100 | $8 membership | None |
| Lincoln Exclusive Club 50* | $100 | $6 membership | None |
| Lincoln Exclusive Club Now* | $100 | $8 membership $7 if below min. bal. | $1,000 |
| Health Savings Account (HSA)* | $100 | $5 | $100 |
| Lincoln’s Student Account | $25 | None | None |
| Lincoln’s Second Chance | $50 | $10 (direct dep.) $15 (No direct dep.) | None |
*Interest-bearing – Contact us for current rate information.
Lincoln Exclusive Club Accounts: 24-Hour Accidental Death Insurance, 3 free boxes standard member checks/year, 50% Safe Deposit Box Discount, 2 free money orders/month, Credit Card protection and other benefits. Additional insurance is available for a higher membership fee.
*Contact us for current rate information. Rates are subject to change. Fees, limitations, and transaction restrictions may apply. Refer to the bank’s full account disclosures for complete terms.