The Lauderdale
County Bank

The Lauderdale County Bank invites you to join one of our new customer service programs -- we offer a wide variety of accounts -- one of which will be perfect for your banking needs.

Important Information About Procedures for Opening a New Account

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

Checking

• $100.00 to open
• $5.00 monthly service charge
• Free Internet Banking
• Images of checks/deposits via Internet Banking
• Initial order of printed checks free
• Bill Pay Service
• Free Stop Payments
• Monthly Statement with Images via U.S. Mail
• Free Copies
• Free Ready Reserve
• 25% discount on Lockbox rental (3x5)

Liberty Account -- no monthly service charge regardless of your balance and unlimited check writing. Available to all individuals. $100.00 deposit to open.

Senior or Student Checking -- (tailored for our senior citizens and students) no monthly service charge. $100.00 deposit to open.

Board of Education Account -- (tailored for persons employed by the Lauderdale County Board of Education) no monthly service charge and free personalized checks. $100.00 deposit to open.

Business Account -- (tailored for businesses) $100.00 deposit to open. A minimum balance fee of $7.50 will be imposed every month if the daily balance falls below $500.00 any day of the month.

Interest Bearing Checking

Eagle Club -- our top of the line account -- compare it to any check club anywhere and you will agree, no other club account comes close.

• $100.00 to open. A $5.00 fee imposed every month if the daily balance falls below $500.00 on any day of the month.
• $8 club fee monthly
• Free Notary Service
• Free ready reserve transfers
• No Charge for Stop Payments
• 25% discount on lock box rentals
• Two boxes of checks per year free
• Unlimited Check writing

Super NOW Account -- interest bearing account that offers unlimited check writing.$1,250.00 deposit to open. A $10.00 fee will be imposed every month the daily balance falls below $1,250.00 on any day.

Money Market Investment Account -- interest bearing account with limited check writing. $2,500.00 deposit to open. A $10.00 fee will be imposed every month the daily balance falls below $2,500.00 on any day. Six debits are allowed each month and a $5.00 fee for each subsequent debit.

Savings

Regular Savings -- basic savings account that allows up to six withdrawals per quarter with no penalty. A $1.00 fee will be imposed for each subsequent debit up to fourteen. A $5.00 fee will be imposed for each debit over fourteen. $100.00 to open. Interest compounded quarterly and credited to your account. If you close your account before interest is credited, you will not receive the accrued interest.

Christmas Club -- Requires at least a $10.00 deposit to open. A $5.00 fee for withdrawal prior to November 1. Subsequent withdrawal will result in closure of the account. Interest compounded annually and will be credited to your account at the time of payment of principal. If you close your account before interest is credited, you will not receive the accrued interest. Maximum opening deposit is $400.00 and maximum deposit per month thereafter is $400.00.

Loans

We love to help our friends buy the home of their dreams. Whether it's your first home or a retirement home, come in to either of our offices and let our loan officers help you find the loan that's exactly right for YOU.