Compare Our Checking Accounts

Review our various Kasasa checking accounts, which include no monthly service charge and the opportunity to earn rewards such as a premium interest rate or cash back.  For a free no-frills account, scroll down to learn more about LCNB Simply Checking.  To learn more about what it's like to be an LCNB customer beyond just these great checking options, get to know us.
 



Kasasa Cash

 
 
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Kasasa Cash Back  

 
 

Kasasa Tunes

 
 
Minimum to Open
$50 $50 $50
Minimum Monthly Balance
$0 $0 $0
Monthly Service Charge
$0 $0 $0
Benefits +
(See Qualification Cycle below)
  • 3.00% APY* on balances up to $25,000
  • A range of 3.00% to 0.72% APY* on balances over $25,000 depending on balance in account
  • 0.05% APY* if qualifications aren't met
  • 3.00% cash back on debit card purchases for up to $250 in total purchases
  • Up to $90 cash back per year, $7.50 per Monthly Qualification Cycle
  • No category restrictions on purchases POS debit 
  • Earn $10 in refunds for iTunes®, Amazon®, or Google Play™ purchases every month
  • Get $10 in free purchases for iTunes, Amazon, or Google Play just for signing up!
Easy Qualifications to Earn Rewards

To earn the higher interest rate and ATM withdrawal fee refunds, simply do the following each Monthly Qualification Cycle: + 

  • At least 12 debit card purchases
  • Be enrolled in and agree to receive e-statements
  • Be enrolled in and log into online banking

To earn cash back rewards and ATM withdrawal fee refunds, simply do the following each Monthly Qualification Cycle: + 

  • At least 12 debit card purchases
  • Be enrolled in and agree to receive e-statements
  • Be enrolled in and log into online banking

To earn iTunes, Amazon.com or Google Play rewards and ATM withdrawal fee refunds, simply do the following each Monthly Qualification Cycle: + 

  • At least 12 debit card purchases
  • Be enrolled in and agree to receive e-statements
  • Be enrolled in and log into online banking
Added Value
  • May receive refunds on ATM withdrawal fees, nationwide (up to $25 monthly) +
  • CD Bonus of 0.15% APY* (Does not apply to promotional CDs)
  • May receive refunds on ATM withdrawal fees, nationwide (up to $25 monthly) +
  • CD Bonus of 0.15% APY* (Does not apply to promotional CDs)
  • May receive refunds on ATM withdrawal fees, nationwide (up to $25 monthly) +
  • CD Bonus of 0.15% APY* (Does not apply to promotional CDs)
+ Qualification Cycle "Monthly Qualification Cycle" means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle.  "Monthly Qualification Cycle" means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle.  "Monthly Qualification Cycle" means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle. 
Online & Mobile Banking
Free
Free Free
Bounce Protection
Yes**
Yes** Yes**
Notes & Disclosures View Disclaimer Here View Disclaimer Here View Disclaimer Here
 

Simply LCNB Checking

 
Minimum to Open $50
Minimum Monthly Balance $0
Monthly Service Charge $0
Added Value
  • CD Bonus of 0.15% APY* (Does not apply to promotional CDs)
  • Account holders age 60 and older will receive 1 box of custom LCNB checks per year at no charge 
Monthly Statement Free EZ Statements (Paper statement $2.75 per month)
Online & Mobile Banking
& BankLine
Free 
Mobile Internet data and text message charges may apply. Please contact your mobile service provider for details. Subject to Online Banking Terms and Conditions.
Bounce Protection Yes**


*APY = Annual Percentage Yield. Accurate as of 6/14/2019. 
**Yes. You will be charged our NSF (Overdraft) Paid Item fee of $35 for each overdrawn item created by a traditional paper based check, a teller withdrawal, an automatic payment (ACH) transaction, or a recurring debit card payment. Overdrafts above and beyond your established Bounce Protection limit may result in checks or other items being returned to the payee. The NSF Return Item fee of $35 will be charged per item and assessed to your account. You should make every attempt to bring your account to a positive end-of-day balance as soon as possible, and must do so within 30 calendar days.