--- Lafayette Savings Bank is participating in the FDIC's Transaction Account Guarantee Program. Under that program, through December 31, 2010, all noninterest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC's general deposit insurance rules. ---
We offer a full range of services
to benefit both small and large business customers. From
checking accounts to credit alternatives, we're here to
help every step of the way. So put us to work for you.
Click here for
more information on Check 21 legislation.
Business Checking
Specifically designed for sole proprietorships. This account helps to make finances the easiest part of your job.
- No minimum balance
- Earn interest on daily collected balance of $3,000+
- Night drop bags at all five branch locations
- LSBankfone - 24-hour bank-by-phone
- Free online banking
- Federal tax deposits online and offline
- Notary service
- Signature guarantees
- Overdraft protection
- Sweep accounts
- ACH originations
Select Business Checking
This account is designed for partnerships, s-corporations and limited liability companies. This is a non-interest bearing account.
- No minimum balance
- No fee if balance is over $10,000+ or 12 debit card transactions per month (ATM transactions do not count for the 12 transactions)
- Night drop bags at all five branch locations
- LSBankfone - 24-hour bank-by-phone
- Free online banking
- Federal tax deposits online and offline
- Notary service
- Signature guarantees
- Overdraft protection
- Sweep accounts
- ACH originations
Non-Profit Checking
Specifically designed for organizations and clubs that are non-profit. This account is designed to help us better serve those who charitably serve our community.
- Unlimited check writing
- Night drop bags at all five branch locations
- LSBankfone 24-hour access
- Free online banking
- Federal tax deposit service online and offline
- Notary service
- Signature guarantees
- Overdraft protection
- Sweep accounts
- ACH originations
Commercial Checking
Specifically designed for corporations and partnerships, this account takes into account your high volume of activity with increased services that free up your mind to concentrate on your business goals.
- Unlimited check writing
- Receive earnings credit
- Night drop bags at all five branch locations
- Free LSBankfoneSM service
- LSBankfoneSM 24-hour access
- Free online banking
- Federal tax deposit service online and offline
- Notary service
- Signature guarantees
- Overdraft protection
- Sweep accounts
- ACH originations
- Electronic payroll deposits
- Automatic payments to loans, insurance or rental properties
If you would like to find out more, please call our Deposit Officer at 429-2946.
Commercial Comparison
Let us help you determine if our commercial product offerings
are right for you. By taking your current commercial bank
statement and using the calculations below, you should be
able to determine if LSB beats our competitor's price.
| _________ |
Items deposited x 0.12
|
|
= $ _________ |
| _________ |
Checks written x 0.12
|
|
= $ _________ |
| _________ |
ACH originations x 0.12
|
|
= $ _________ |
| ____1____ |
1 Monthly service fee
|
|
= $ 12.00 |
| |
A. Subtotal service fees
|
|
= $ _________ |
| _________ |
Monthly avg collected balance
x earnings credit %
|
|
= $ _________ |
| _________ |
Divided by 365 calendar days
|
|
= $ _________ |
| _________ |
Multiplied by # calendar days in
current month
|
|
= $ _________ |
| |
B. Subtotal Earnings Credit
|
|
= $ _________ |
If total in line A is smaller than line B,
you will not incur a service fee.
If total in line A is larger than line B, subtract; that amount will be your service
charge.
Overdraft Protection
-
When your checking account is overdrawn, we will automatically
transfer funds to your checking account from a savings,
Access Plus or another checking account.
-
A fee of $10.00 per transfer from your
checking or savings will be charged; the fee will be
$12.00 per transfer when transferring from your line of
credit.
-
A notice will be sent notifying you of the transfer.
Sweep Accounts
Specifically designed for business customers who wish to
invest excess funds at the end of each business day by allowing
you to automatically earn interest overnight. It's a flexible
and convenient way to make your money work for you.
ACH Originations
Efficiently handle several of your automatic payment needs with our ACH Capabilities.
Debit or credit your checking or savings accounts as well
as the accounts of your customers, employees or tenants
for things like:
If you would like to find out more, please call our Deposit Officer at 429-2946.
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