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Money Market Account | Other Banking Services | Overdraft Line of Credit | Interest Rates
LaPorte Savings Bank works hard to provide quality products and services that fit the needs of our customers. We are confident that you will find a checking account package that works for you!
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Free Checking
Student Checking |
Regular Checking |
Interest Checking |
Home Free Checking |
Home Advantage Checking |
| Details |
- No Minimum Checking Balance
- Student Status Expires After Five (5) Years if not Renewed |
- No Minimum Checking Balance
- $300 Savings Balance Required to Avoid Monthly Fee |
- No Minimum Checking Balance to Earn Interest
- $500 Minimum Daily Balance to Avoid Monthly Service Fee |
- No Minimum Checking Balance |
- No Minimum Checking Balance to Earn Interest
- $2,500 Minimum Daily Balance to Avoid Monthly Service Fee |
| Extras |
- FREE Online Banking with FREE Unlimited Bill Pay |
- FREE Online Banking with FREE Unlimited Bill Pay |
- Earns Tiered Interest on Account Balance3
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- FREE Online Banking with FREE Unlimited Bill Pay
- .25% Discount on New Direct Installment Loan with Auto-Payment4 |
- FREE Unlimited Non-LPSB ATM Withdrawals5
- Earns Tiered Interest on Account Balance3
- FREE Online Banking with FREE Unlimited Bill Pay |
| Requirements |
- $100 to Open
- Direct Deposit or E-Statements |
- $100 to Open |
-$500 to Open |
- $100 to Open
- LPSB Mortgage or Home Equity Loan |
- $500 to Open
- LPSB Mortgage or Home Equity Loan |
| Fees |
None |
$4.00 Monthly Service Fee if Savings Balance Falls Below $300 |
$6.00 Monthly Service Fee if Daily Checking Balance Falls Below $500 |
None |
$10.00 Monthly Service Fee if Daily Checking Balance Falls Below $2,500 |
1 Use of an ATM machine not owned by LaPorte Savings Bank may result in the assessment of fees. See a current fee schedule for charges. 2 Subject to bank qualification requirements. While there is no cost to have No Bounce protection on your account, a nonsufficient funds charge of $30.00 for each occurrence will be imposed for covering overdraft items whether created by check, in-person withdrawal, ATM withdrawal or other electronic means. You are encouraged to bring your account to a positive balance as soon as possible after using your No Bounce protection, but no later than 30 days. No Bounce is offered as a service and LaPorte Savings Bank is under no obligation to pay items when funds are not available in your account. 3 Rates are variable and subject to change without notice. 4 Certain program restrictions may apply, please ask your lender. LPSB is an Equal Opportunity Lender. 5Other ATM network owners may assess a usage fee.
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Money Market accounts are also available from LaPorte Savings Bank. This account allows for three (3) two-party checks to be written per month and earns a competitive variable interest rate.
- $100 Minimum to Open
- $1,000 Minimum Balance Required to Avoid $5.00 Monthly Service Fee
- Interest Accrues Daily and is Paid Monthly
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No Bounce AdvantageSM
Having a check returned due to insufficient funds can be a costly and embarrassing experience. No Bounce AdvantageSM is offered as a courtesy overdraft privilege* for LaPorte Savings Bank checking account customers to help avoid such a situation from occurring.
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No Bounce AdvantageSM gives you an added level of protection against unanticipated cash flow emergencies and account reconciliation errors. At LaPorte Savings Bank, we do not encourage overdrafts. As always, we encourage you to manage your finances responsibly. The purpose of this privilege is to save you from the embarrassment, additional merchant fees or other problems that might result if check is returned. |
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Below is a list of No Bounce AdvantageSM limits that are typically made available for each type of account*.
| Free Checking |
$ 500 |
Student Checking |
$ 500 |
| Regular Checking |
$ 500 |
Interest Checking |
$ 1,000 |
| Home Free Checking |
$ 500 |
Money Market Account |
$ 1,500 |
*Subject to bank qualification requirements. No annual fee.
Overdraft charges of $30.00 for each occurrence still apply.
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An Overdraft Line of Credit is another resource customers can opt to use for added coverage to ensure against possible overdraft charges. This flexible line of credit offers piece of mind in knowing that it is there when you need it most. Applications are available at any of our branch locations. |
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 Equal Housing Lender - Member FDIC
The standard insurance amount of $250,000 per depositor is in effect through December 31, 2013. On January 1, 2014, the standard insurance amount will return to $100,000 per depositor for all account categories except IRAs and other certain retirement accounts, which will remain at $250,000 per depositor. LaPorte Savings Bank is participating in the FDIC’s Transaction Account Guarantee Program. Under that program, through December 31, 2009, all noninterest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC’s general deposit insurance rules.
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