Savings Account
Put your money to work for you! Our Savings Account is the easy way to save with confidence.

• Earn interest on your account
• Interest compounds and is paid quarterly.
• Receive two free withdrawals per month (50 cents per withdrawals over two)
• Open with $100
• With $50.00 minimum balance, you avoid a $3.00 monthly maintenance charge.
• Competitive interest rates
• Telephone Banking 24 hours a Day

Young Savers Account
Learning to save is an important lesson for children of all ages! This account is a great way to start children saving.

• Available to children under 18 years of age when a parent or guardian has existing accounts at Bank of Lincoln County. Minors must have and adult on the account with them.
• Minimum opening deposit is waved.
• Earn interest on your account.
• Interest compounds and is paid quarterly.
• Get two free withdrawals per month. (50 cents per withdrawals over two)
• Competitive interest rates.
• Telephone Banking 24 hours a Day.

Christmas Club
Have the money you need for holiday shopping with a Bank of Lincoln County Christmas Club account.

• Competitive interest rates.
• Minimum opening deposit $10.
• No monthly minimum balance required.
• No monthly maintenance charge.
• Interest is posted annually.
• Checks are mailed in October.

Dollar & Sense Account
Available to all third grade students at the Lincoln County RII School District in Elsberry, Missouri. Bank representative come to the school and open accounts for students that want to participate in the program. Throughout the year Bank representative will hold classes covering money and Banking. The Bank of Lincoln County will open each account with a $1.00 to start the students savings.

• Competitive interest rates.
• No monthly minimum balance required.
• No monthly maintenance charge.
• Statement mailed quarterly.
• Other restitutions apply.

Money Market Account
For those who carry a higher account balance, the Bank of Lincoln County’s Money Market Account may interest you!

• Earn interest on your account balance
• Interest is paid monthly
• Competitive interest rates
• No monthly maintenance charge with a minimum daily balance of just $1,000.00
• May write three checks on your account each month*
• Minimum opening deposit is $1,000.00
• Up to six preauthorized transfers per month*
• ATM card and Debit Card available
• Telephone Banking 24 hours a Day

*Each check over three per month will be charged $10.00. Fees charged to your account may reduce earnings. The minimum required balance is $1,000.00 to avoid the $10.00 monthly maintenance charge.

Federal regulations limit you to six transfers per month but only three may be payments by third party checks.

Gold Money Market Account
For those who carry a higher account balance, our Gold Money Market Account may interest you! This account is a tiered account so as your balance increases so does your interest rate.

• Interest is tiered based on your amount balance.
• No monthly maintenance charge with a minimum balance of just $5,000.00.
• May write three checks on your account each month.*
• Minimum opening deposit is $5,000.00.
• Interest is compounded monthly.
• Only a $25.00 monthly charge if minimum daily balance falls below $5,000.00.
• ATM card and Debit Card available.
• Telephone Banking 24 hours a Day.
• Up to six preauthorized transfers per month.*

*Each check over three per month will be charged $10.00. Fees charged to your account may reduce earnings. The minimum required balance is $5,000.00 to avoid the $25.00 monthly maintenance charge.

Federal regulations limit you to six transfers per month but only three may be payments by third party checks.

Premium Money Market Account
For those who want the maximum out of their account and carry a higher account balance, our Premium Money Market Account may interest you! The interest on this account is tied to an index and floats weekly.

• Interest is tied to an index and floats weekly.
• No monthly maintenance charge with a minimum daily balance of just $500,000.00.
• May write three checks on your account each month.*
• Minimum opening deposit $500,000.00.
• Interest is compounded monthly.
• Up to six preauthorized transfers per month*
• Only a $95 monthly charge if minimum daily balance falls below $500,000.00.
• ATM card and Debit Card available.
• Telephone Banking 24 hours a Day.

*Each check over three per month will be charged $10.00. Fees charged to your account may reduce earnings. The minimum required balance is $500,000.00 to avoid the $95.00 monthly maintenance charge.

Federal regulations limit you to six transfers per month but only three may be payments by third party checks.

For additional information and disclosures contact Contact Us.

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