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Checking Accounts

Free checking that's actually free


Our famliy of personal checking accounts offers a range of services and benefits with something for everyone. Whether you’re looking for high interest, no minimum daily balance after account opening or image statements, Lewiston State Bank has an account to fit your needs.

MyRate Checking® CheckSmart Free CheckSmart Senior
(55 or over)
Senior Plus (55 or over)
A popular FREE checking account that earns high interest yields plus ATM-fee refunds.* A checking account FREE of monthly service charges. A FREE checking account with AccountSmart Tools for Seniors options. An interest-bearing senior checking account that offers all the benefits of our CheckSmart SENIOR checking account.
Minimum to open
$100 $100 $100 $1,500
No below-minimum-balance fee if you maintain a daily balance of
n/a n/a n/a $1,500
Below-minimum-balance fee
n/a n/a n/a $10/mo.

All of Our Checking Accounts Include:

  • Unlimited check writing (except Money Market†)
  • Direct deposit
  • Access via ATM
  • Credit Reserve (line of credit for overdraft protection)
  • Person to Person (P2P) Payments (fees apply)
  • One-way Sweeps (fees apply)
  • Third-party online monitoring (fees apply)
  • FREE automatic transfers to your savings or other deposit account
  • FREE online banking
  • FREE mobile banking and smartphone apps
  • FREE online bill payments
  • FREE online money manager
  • FREE VISA® debit card

Stop by one of our locations or start the account opening process online now.


Additional Features:

Senior Plus
Image statements included
Interest Bearing
Free Bank Checks—up to 2 boxes/year
FREE money orders and cashier's checks upon request

Tools and Resources:

Overdraft Protection

Be prepared with our overdraft protection services. Choose one, two or all three options, which help you avoid overdraft fees.

Tools for Seniors

Tools that help protect both you and your caregiver as you receive help with everyday finances.


Find answers to the questions you need to know.

* For a detailed description of account terms, contact a new account representative.

† Some types of withdrawls are limited to six per monthly statement cycle.

‡ Credit approval required.

VISA® and the name VISA are federally registered trademarks of Visa.

Make Banking Easier.

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