Personal Checking Accounts

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We Have The Perfect Checking Account Options For You

Lake Ridge Bank has developed two easy to use checking accounts. Life can be complicated enough, you don’t need to have a complicated bank relationship. The real benefit of banking with us are all the services and tools we’ve invested in to give you great online and mobile options, an ATM network with over 35,000 surcharge-free ATMs nationwide, and fraud protection tools to protect you and your money. 

 

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Simplify your banking with our easy-to-use checking account. With no minimum balance requirement or monthly maintenance fee, you’ll never have to worry about your account.

Forward Checking Includes:

  • The convenience of Mobile Deposit and other great online and mobile features.
  • Use your debit/credit card into Digital Wallets, like Apple Pay, Google Pay, PayPal, Venmo, and Visa Checkout to make purchases easy and more secure.
  • Choose any of our debit card images, or upload your own to personalize your card.
  • Don’t worry about simple mistakes with our Overdraft Privilege limit of $700.3 
  • Minimum of $100 to open.

 

Plus all of our other great client benefits!

Earn interest1, while making sure your checking account gives you the most benefits with Lake Ridge Bank.

It only takes a $1,000 average monthly statement ledger balance to waive the $10 monthly maintenance fee.

Forward Checking Plus Includes:

  • Free cashier’s checks and money orders.
  • 25% discount on safe deposit box rental.
  • The convenience of Mobile Deposit and other great online and mobile features.
  • Use your debit/credit card into Digital Wallets, like Apple Pay, Google Pay, PayPal, Venmo, and Visa Checkout to make purchases easy and more secure.
  • Choose any of our debit card images, or upload your own to personalize your card.
  • Don’t worry about simple mistakes with our Overdraft Privilege limit of $1,500.3
  • Minimum of $100 to open.

 

Plus all of our other great client benefits!

 

Visa Cards

Our Visa debit card has all the latest features, including fraud alerts, the ability to turn it off and on, and can easily be used securely in digital wallets. Paired with a network of 35,000+ surcharge-free ATMs it’ll be the first card in your wallet that you'll want to reach for.2

Open Your Account Online

Opening a personal checking account has never been easier with Lake Ridge Bank. Discover the convenience of opening an account online from the comfort of your own home. In just minutes, you can start your journey towards achieving your financial goals.

Features Available for All Personal Accounts

Along with the following digital banking solutions, all accounts offer refunds of our fees for direct deposit enrollment, unlimited check writing, free eStatements, and free personalized debit cards.

 

Mobile Banking

Banking all in one place ... right from the palm of your hand!

Fraud Protection

You've worked hard for your money, now let us work hard to keep it safe.

Online Banking

Have the flexibility to choose when, where and how you bank 24/7.

Online Bill Pay

Control when you want your bill to be paid. One website, one password. Your way.

Digital Wallet

Pay quickly and conveniently at checkout in stores, online, and for in-app purchases.

Personal Financial Manager

Monitor your accounts, budget your expenses, and track your progress toward goals.

Banknotes & Resources

Banknotes Blog All Resources

1 Interest is paid on your daily ledger balance.

2 Other financial institutions may still apply a surcharge fee.

3 This is not a line of credit. An overdraft fee of $32 for each overdraft item paid up to a maximum of $96 per day. An overdraft fee may be charged for covering overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means. Any overdrawn balance, including fees, will need to be repaid immediately without notice or demand from us.  Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or you have too many overdrafts. For more information refer to the Overdraft Privilege Policy section within the Account Fees & Options link.