Choice Checking

Paper or plastic? Salad or fries? Having choices is a good thing. LBS Financial’s Choice Checking comes loaded with a variety of options for easy account access. Whether you’re looking for an account where you can eliminate the monthly service charge or a dividend-earning account. Choice Checking fits the bill.


  • Dividends on minimum average daily balances of $750 or more
  • Free online banking through CU OnLine, Mobile Banking and free Bill Payment
  • Free Visa Debit Card
  • Unlimited check writing
  • Free unlimited use of LBS Financial ATMs
  • No fee withdrawals and deposits at approximately 30,000 CO-OP® no surcharge ATMs nationwide (including ATMs at most 7-Elevens and Walgreens)
  • Free HomeTeller, automated phone teller service
  • Monthly paper statements or eStatements
  • Great rates
  • NCUSIF insurance on account balances up to $250,000
  • Automatic overdraft protection using an LBS Financial Share Savings account, Visa Classic or Visa Gold account. Special Savings and Money Market may be added at your request
  • Free checks for Members age 60 or over (one style of checks only)

No monthly service charge when you:

  • Maintain a minimum daily balance of $300 in Choice Checking or $1,500 in combined balances on the same main account (waive $4)
  • Or use any combination of two of the following:
    -  Direct Deposit your payroll, investment or government check to your Choice Checking account (waive $2)
    -  Use LBS Financial-owned ATMs exclusively (waive $2);
    ​-  No branch lobby transactions (waive $2)

Otherwise, a monthly fee of $4 will be charged.