Personal Banking - Checking

FREE CHECKING

• No Monthly Service Charge
• No Transaction Limitations
• No Minimum Balance Requirement
• Customers May Apply for ATM or Debit Cards

GOLDEN MONEY MARKET

• Great Rate on $2,500 and Over and on Balances of $1,000 to $2,499!
• Interest Compounded and Credited to Your Account Monthly

To avoid fees you must maintain a daily balance of $1,000. Withdrawals or transfers are limited to six per month. See account disclosure for all account details. Interest rates may change without notice.

CLASSIC 55
Designed for Our Customers Age 55+

• No Monthly Service Charge
• No Transaction Limitations
• No Minimum Balance Requirement
• No Check Printing Charges for Standard Checks
• Arrange for Direct Deposit of Checks
• Customers May Apply for ATM or Debit Cards
• Minimum Opening Deposit $100/$1000 to Earn Interest
• Interest Paid Monthly

NOW CHECKING

• No Monthly Service Charge if Customers Maintain a Minimum Balance of $1,000
• No Transaction Limitations
• Arrange for Direct Deposit of Checks
• Customers May Apply for ATM or Debit Cards
• Costs: $5.25 Monthly Service Fee + $.25 per debit and $.05 per Deposit with Balances below $1,000.
• Minimum Opening Deposit: $1,000
• Interest Paid Monthly

Debit and Credit Cards are Available. Personal Banking - 24 Hours with our Star ATM System

Personal Banking - Savings

GOLDEN PASSBOOK OR
STATEMENT SAVINGS
Balance of $2,500 or More Earns
Exceptional Rate

• Account is Liquid
• $2,500 Minimum Opening Deposit
• Interest Paid Quarterly
• Statement Customers May Apply for an ATM Card

REGULAR PASSBOOK OR STATEMENT SAVINGS

• Statement Customers May Apply for an ATM Card
• Costs: $2 Monthly Fee if Balance Drops Below $100 for Any Day During the Month
• Interest Paid Quarterly
• Minimum Balance to Earn Interest: $100

INDIVIDUAL RETIREMENT
ACCOUNTS

• Traditional IRAs/Roth IRAs
• Helps to Save for Retirement, with Possible Tax Benefits
• LNB Offers Various Terms
• Minimum Opening Deposit $100
• Interest Paid Quarterly

CERTIFICATES OF DEPOSIT

• Pays a Guaranteed Rate of Interest for a Specified Term
• CD Renews Automatically at Maturity, After a 7-Day Grace Period, at the Prevailing Rate of Maturity
• Minimum Opening Deposit $500
• Interest Paid Quarterly

HOLIDAY CLUB

• LNB Mails a Check to the Customer for the Balance in the Account During the First Week of November. The Account Remains Open for the Next Year if a New Deposit is Made Prior to February 28.
• No Withdrawals are Permitted
• No ATM Transactions are Permitted
• Interest Paid at November Maturity
• Minimum to Earn Interest: $1.00