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MyRate Checking®

Free checking that pays big

MyRate Checking®

Get 2.00% APY* on balances up to $25,000.

Great Rate, No Minimum Balance Fees, and Full Access to Your Funds


- or come visit one of our branches to apply -


What does 2.00% APY look like in my account?

Average Balance Each Month 12 Months 24 Months
$500 $0.83 $10.00 $20.00
$5,000 $8.33 $100.00 $200.00
$15,000 $25.00 $300.00 $600.00
$25,000 $41.67 $500.00 $1,000.00
These are approximations, assuming that the accountholder maintains this average balance and meets requirements throughout the term illustrated, and that the rate does not decrease or increase.

Interest is paid every month.

It’s like money just magically appears in your acount.


Sign up for eStatements then log in to your online or mobile banking at least once every 18 months.

Use your debit card at least 12 times for purchases of at least $3 during the month. (Our customers average 29 card payments each month.)

Have at least one direct deposit or ACH transaction post and clear to your account each month.

What do I get each month I qualify?

2.00% APY on balances up to $25,000. That’s a better rate than many CD or savings accounts, and you still have access to your funds. The interest is paid monthly

You’ll also be refunded up to $15 a month in ATM fees nationwide.

What happens on the months I don’t qualify?

Don’t worry. If you don’t meet the qualifications you’ll still receive the competitive rate of .10% APY on your balance for the month, and you’ll be able to qualify the next month.

How do you offer such a high rate?

When you sign up for eStatements, that saves us money (time, postage, paper, trees). When you swipe your card, we get a few cents from the merchant. When you have a direct deposit, you’re more likely to use this as your primary account, which lowers our back-end costs. That all benefits the bank, so we pass savings on to you with this higher rate.

Win-win, again and again.

Every checking account at Lewiston State Bank comes with these helpful tools and features:

Online and mobile banking—bank anywhere

Competitive interest rate

VISA® Debit Card

Leading edge visual budgeting tools—it’s almost fun

Trusted people to help answer your questions


New Customer

Use this switch kit. We’ll help you.

Current Customer

You can keep your same account #.

Bank like the wealthy.

You don’t have to have a high balance to get a high interest rate. MyRate has no monthly service fee and no minimum balance requirement. It’s designed to be an everyday checking account with a remarkable win-win. It’s better than free checking—it’s checking that pays you.

Balance Tier Interest Rate APY*
If requirements are met, the APY (Annual Percentage Yield) for the entire balance in each tier will be:
$0–$25,000 1.98% 2.00%
$25,000+ 0.49% 2.00%–0.50%
If requirements are not met, the APY for the entire balance will be:
$0+ 0.10% 0.10%
The rate may change after the account is opened.

*Annual Percentage Yield effective 7/14/2018. The MyRate Checking account requires an opening balance of $100. To obtain the higher APY and the ATM-fee refunds, reward requirements must be met. Rates are tiered and interest earned will vary based on daily balances (View rates). Fees may reduce earnings on the account. The rate may change after the account is opened.

†Depending on the balance in the account. This is a blended APY and includes the balances in both tiers, each of which earns a different rate. Higher balances produce lower APYs. In order to qualify for the highest level of interest on the MyRate Checking account and the ATM-fee refunds, the 12 required POS transactions and the ACH transaction must post and clear to your account by the last business day of the calendar month. Please note that it may take several days for a debit card transaction to post to your account.

VISA®, the name VISA, and VISA (stylized) are federally registered Trademarks of Visa.