Checking
Direct Deposit Authorization Form
1A minimum balance fee of $20.00 will be imposed for every statement cycle if the average daily balance for the statement cycle falls below the minimum average daily balance in your Platinum, Platinum Plus or Platinum 1st Checking.
2A premium interest rate will apply to a Platinum, Platinum Plus, or Platinum 1st Savings account when the eligibility requirements in the Platinum, Platinum Plus, or Platinum 1st Checking are met in a given statement/qualification cycle. View our Platinum Savings products now.
3$1,000 daily point of sale limit on your MasterCard debit card.
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 and 18-month CD 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!
High Yield 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 most loyal 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.
- $50 to open account
- 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 and Online Banking
- Free Mobile Banking and 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
NJ Consumer Checking
Keep your hard earned cash in your pocket – where it belongs.
- $50 to open account
- $1 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.