Checking Accounts

eFree Checking Account

No monthly service charge
No minimum balance
Free “bank-branded” checks
Secure and convenient-eStatements
One (1) NSF fee refunded within a 12 month period upon request.
One (1) stop payment fee refunded within a 12 month period upon request.
No foreign ATM fee assessed by LNB
4 foreign ATM fees rebated per month (typical charges will apply to the 5th foreign ATM cash withdrawal)
Free internet banking, online bill pay and debit card
Required: valid email address and internet banking

ChargeFree Checking

No minimum balance
Unlimited check writing
Bank safe keeps check images
Account Plus (overdraft protection) available, subject to approval.

Regular

Minimum ledger balance - $500
Below the required minimum, monthly service charge - $5
Bank returns check images at no charge
Account Plus (overdraft protection) available, subject to approval.

Interest Checking Account

This account is open to individuals, sole proprietorships and nonprofit organizations. Minimum balance to avoid a $10 monthly service charge is $1,000. Interest compounded daily on the available balance. Check images returned at no charge.

Money Market Checking

Available to businesses, individuals and non-profit organizations. Six withdrawals per month, three of which may be by check. No service charge on those accounts with a minimum balance of $2,500 or more. A $10 monthly service charge will be accessed on those accounts below the minimum. Check images returned at no charge.

Premier Members Checking Account

Rates subject to change at management’s discretion. Minimum deposit to open account is $50.00. ATM transaction fees apply.

Benefits:

Imaged checks returned with statement
No minimum balance
Unlimited check writing
Personalized checks - two (2) single orders of checks per year
Interest paid if minimum balance of $100.00 is maintained
Savings or Money Market Checking Account * transfer for overdraft purposes in $50 increments for $5.00 per transfer (Available upon written request.)
Free TABS and Internet Banking
Travelers cheques for one are issued at no fee
50% discount on Cashier’s Checks
50% discount  for Stop Payments
50% Discount on Safe Deposit Box Rental (limit one box and subject to availability)
Free Photocopies (limit 10 per month)
Free Fax Machine Use (limit 3 per month)
Hotel and Motel Discounts
$10,000 AD&D Insurance
Credit Card Registration
Identity Watch and Identity Theft 911
Prescription Drug Discounts
Hearing Instruments Discounts
Prescription Eyewear Discounts
Group Travel opportunities detailed in Quarterly Newsletter
Living Family Journal
Other discounts on Travel, Leisure and Shopping through Easy Saver (see fulfillment flyer for full details)

Only $5.00 a month. Keep $10,000 in combined deposit relationships and all the above benefits are yours free!

Bank Card Services
Credit Cards

We offer a wide variety of Visa Credit Cards to fit everyone's needs. Choose from our Visa Platinum Reward products or perhaps a College Card, to get the card that works for you. 

STAR

With this card access your account at millions of ATMs nation wide

Escort

It's a card that acts like a check any place Visa is accepted. FREE!

Saving Accounts
Interest is compounded daily on the ledger or daily balance. Rates subject to change. Charge per withdrawal in excess of six per calendar quarter including by ATM - $2 each. A $6 below minimum balance charge per quarter will be accessed. Charges may reduce earnings on these accounts.

Green Thumb Savings

*(Must maintain a checking account with Farmers Bank to obtain the premium interest rate.)
Required opening deposit amount is $50.00.
Required minimum ledger balance is $50.00.
Below the required minimum, there is a quarterly service charge of $10.00.
Service Charge per each withdrawal in excess of six (6) per calendar quarter including electronic withdrawal is $2.00.
Premium Interest Rate paid
Quarterly Interest transferred to checking account.
Combined Statements with checking account give you a collective view of your accounts.

Interest Earners

For our customers up to 18 years old.
Minimum to open: $10
Required minimum balance: $10
Service charge is $6 if you fall below the minimum balance in a quarter.

Regular Savings Account

Required minimum to open: $50
Minimum balance to avoid a service charge: $50
Service charge is $6 if you fall below the minimum balance in a quarter.

Christmas Club
Automatic deduction from checking or savings
Deposits can be made in any increment
Account number remains the same from year to year. Simple interest is credited to the account annually.
No early withdraw.  Account must close and a service charge of $5 will be assessed.

Certificates of Deposit and Individual Retirement Accounts
Terms from 14 days to 10 years. Fixed rate and variable options. There are penalties for early withdrawal. Click here for our current rates.


Loans

Construction Loans

Own your own lot and want to build? LNB will help with a pre-approved line of credit which you can access at each phase of construction.


Mortgages

Call or stop in to get all the details. We offer 1, 3 and 5 year Adjustable Rate Mortgages and we make 100% mortgages, that's right, NO DOWN PAYMENT! Interested in Kentucky Housing, Veterans, FHA or Fannie Mae? We'll help you select the best way to finance a new home.


Home Equity

With our Home EQ line of credit, you have an easy to use line of credit secured with the equity in your home. Use it for home improvement, auto purchase, vacation, any reason you need. Interest only option available.


Property Improvement Loans

Under $5,000 can be made without a mortgage. For more extensive improvements, use your equity. We offer competitive rates and terms.

Consumer Loans

Furniture, appliances, medical bills, vacation, debt consolidation, or auto, we can provide a loan to suit your needs.

Commercial Loans
Whether your business is "mom and pop" or a cast of thousands, LNB can provide flexible terms and affordable payment options for all your commercial credit needs; Letters of credit, construction loans, lines of credit, business credit cards or loans for production or expansion.