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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 |
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Unlimited Check Writing
Combined Account Statement
Free Debit / ATM Card1
Free Bank-By-Phone Access
$500 No Bounce Advantage2
Free Online Banking, Bill Pay
& E-Statement |
Unlimited Check Writing
Combined Account Statement
Free Debit / ATM Card1
Free Bank-By-Phone Access
$500 No Bounce Advantage2
Free Online Banking, Bill Pay
& E-Statement |
Unlimited Check Writing
Combined Account Statement
Free Debit / ATM Card1
Free Bank-By-Phone Access
$1,000 No Bounce Advantage2
Free Online Banking, Bill Pay
& E-Statement |
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.25% Discount on Direct Installment Loans with Auto-Payment4 |
.25% Discount on Direct Installment
Loans with Auto-Payment4 |
Earns Tiered Interest3
Tier I - $0 - $4,999.99
Tier II - $5,000 - $24,999.99
Tier III - $25,000 and above
.25% Discount on Direct Installment Loans with Auto-Payment4 |
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NO Minimum Checking Balance
$100 Minimum Deposit to Open
Requires Direct Deposit or
E-Statement
Proof of Student Status
(Student Checking) |
NO Minimum Checking Balance
$100 Minimum Deposit to Open
$300 Minimum Savings Balance
Required to Avoid $4.00 Monthly Service Fee |
NO Minimum Checking Balance Required to Earn Interest
$500 Minimum Deposit to Open
$500 Minimum Daily Checking
Balance Required to Avoid $10.00 Monthly Service Fee |
1Use of an ATM machine not owned by LaPorte Savings Bank may result in the assessment of fees. See a current fee schedule for charges. 2Subject to bank qualification requirements. While there is no cost to have No Bounce protection on your account, a Paid Item and Returned Item fee of $32.00 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 Advantage, 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. 3Rates are variable and subject to change without notice. 4Certain program restricons may apply, please ask your lender. LPSB is an Equal Opportunity Lender.
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Money Market accounts are also available from LaPorte Savings Bank. This account allows for six (6) transactions 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 $32.00 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 FDIC Insurance Coverage limit has been permanently increased to $250,000 per depositor, per institution.
IMPORTANT INFORMATION REGARDING THE DODD-FRANK ACT AMENDMENT TO THE FDIC’S NONINTEREST-BEARING TRANSACTION ACCOUNT INSURANCE COVERAGE
All funds in a “noninterest-bearing transaction account” are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010 through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC’s general deposit insurance rules.
The term “noninterest-bearing transaction account” includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. This includes Interest on Lawyers Trust Accounts (“IOLTAs”). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit accounts.
For more information about FDIC insurance coverage, or temporary FDIC insurance coverage of transaction accounts, please visit www.fdic.gov.
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