Checking
Direct Deposit Authorization Form
Platinum Checking
Our Platinum Checking account rewards our most loyal customers with account perks and the opportunity to earn preferred rates with our Platinum Savings Account. Maintain a Platinum Checking account and enjoy ATM surcharge reimbursements, no stop payment fees, and free official checks, money orders, and wires. Stop in or call a branch representative to learn more.
- $100 to open account
- Minimum average daily balance requirement of only $1,000 to avoid service fee
- Be reimbursed up to $25 per statement cycle of ATM surcharge fees when minimum balance requirements are met
- Eligible for a .25% APY increase on select new certificates of deposit
- Eligible for Platinum Savings account with preferred rate
- Free Debit Card
- Free eStatements, Online Banking, and Mobile Banking with Check Deposit
Access Checking Open Online Today
Put yourself in control…convenient access to your finances while avoiding high minimum balance requirements. Maintaining an Access Checking Account at Lincoln 1st also enables you to capitalize on other high yield products such as our Premier Access Savings, 18-month variable rate CD, and our youth savings accounts with preferred rates.
- $50 to open account
- No minimum balance requirements or monthly service charges.
- Reimbursement for up to $15 of ATM surcharge fees in a given statement cycle if you have direct deposit and conduct at least ten (10) Point of Sale (POS) signature based transactions in the statement cycle.
- Free Debit Card
- Free eStatements and Online Banking
- Free Mobile Banking and Deposit
UNLOCK THESE GREAT PRODUCTS WITH ACCESS CHECKING!
Loyalty Checking (online account only) Open Online Today
Earn High rates way above the national average with our Loyalty Checking Account. This two tiered checking account pays our on-the-go customers a high yield on balances up to $29,999.99 and a competitive annual percentage yield (APY) on balances $30,000.00 and above when certain eligibility requirements are met during the statement cycle. You must simply conduct at least ten (10) Point of Sale (POS) signature based transactions; conduct at least 1 automatic debit payment (ACH); have a qualifying direct deposit (any amount), and, be enrolled in and receive eStatements. If you do not meet these qualifications, you will still earn our base interest rate on the entire balance.
- Open online with just $50
- Be reimbursed up to $20 per statement cycle of ATM surcharge fees when eligibility requirements are met
- No monthly service fee
- No minimum balance requirements
- Unlimited check writing
- Free Debit Card
- Free eStatements, Online Banking, and Mobile Banking with Check Deposit
Student NOW Checking Open Online Today
Our Student Checking program offers no minimum balance requirements, no monthly service fees, and reimbursements of ATM surcharges from all non-Lincoln 1st ATMs. This account will also earn a competitive interest rate. These great features provide the convenience you deserve and enable you to make Lincoln 1st Bank "Your Bank" whether attending school locally or out of the region. Our Student NOW Checking is available to current students from the ages of 18-26. Please present current college or high school ID at account opening.
- $50 to open account
- No minimum balance requirements or monthly service fees
- Unlimited ATM surcharge reimbursements
- $1,000 Minimum daily balance to earn interest
- No per check fees
- Free eStatements and Online Banking
- Free Mobile Banking and Deposit
NOW Checking Open Online Today
Our tiered interest bearing checking account puts your money to work with no complicated stipulations.
- $50 to open account
- $1,000 Minimum daily balance to earn interest
- Maintain an average daily balance of $600 during a statement cycle to avoid monthly service charge.
- Students ages 18-26 and seniors ages 62 and older will have minimum balance requirements and monthly service charges waived when enrolled in our Student or Senior Checking product.
- Free eStatements
Please call a Lincoln 1st representative for additional special circumstances that may waive minimum balance requirements and monthly service charges.
NJ Consumer Checking
Keep your hard earned cash in your pocket – where it belongs.
- $50 to open account
- No minimum balance requirement
- Monthly service charge of $3.00
- Free eStatements
Please call a Lincoln 1st representative for any additional fees and services related to our checking products.