The Lauderdale County Bank Logo

The Lauderdale
County Bank



The Lauderdale County Bank invites you to join one of our new customer service programs -- we offer a wide variety of accounts -- one of which will be perfect for your banking needs.

Important Information About Procedures for Opening a New Account

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

Checking


Freedom Account -- Club Benefits include:
  • $100.00 to open
  • $5.00 monthly service charge
  • Free Internet Banking
  • Images of checks/deposits via Internet Banking
  • Initial order of printed checks free
  • Bill Pay Service
  • Free Stop Payments
  • Monthly Statement with Images via U.S. Mail
  • Free Copies
  • Free Ready Reserve
  • 25% discount on Lockbox rental (3x5)

Liberty Account -- no monthly service charge regardless of your balance and unlimited check writing. Available to all individuals. $100.00 deposit to open.

Senior or Student Checking -- (tailored for our senior citizens and students) no monthly service charge. $100.00 deposit to open.

Board of Education Account -- (tailored for persons employed by the Lauderdale County Board of Education) no monthly service charge and free personalized checks. $100.00 deposit to open.

Business Account -- (tailored for businesses) $100.00 deposit to open. A minimum balance fee of $7.50 will be imposed every month if the daily balance falls below $500.00 any day of the month.

Interest Bearing Checking


Eagle Club -- our top of the line account -- compare it to any check club anywhere and you will agree, no other club account comes close.

  • $100.00 to open. A $5.00 fee imposed every month if the daily balance falls below $500.00 on any day of the month.
  • $8 club fee monthly
  • Free Notary Service
  • Free ready reserve transfers
  • No Charge for Stop Payments
  • 25% discount on lock box rentals
  • Two boxes of checks per year free
  • Unlimited Check writing

Golden Eagle Account -- interest bearing account that requires $25,000.00 to open. Six debits are allowed each month and $5.00 for each subsequent debit.

Super NOW Account -- interest bearing account that offers unlimited check writing.$1,250.00 deposit to open. A $10.00 fee will be imposed every month the daily balance falls below $1,250.00 on any day.

Money Market Investment Account -- interest bearing account with limited check writing. $2,500.00 deposit to open. A $10.00 fee will be imposed every month the daily balance falls below $2,500.00 on any day. Six debits are allowed each month and a $5.00 fee for each subsequent debit.


Savings


Regular Savings -- basic savings account that allows up to six withdrawals per quarter with no penalty. A $1.00 fee will be imposed for each subsequent debit up to fourteen. A $5.00 fee will be imposed for each debit over fourteen. $100.00 to open. Interest compounded quarterly and credited to your account. If you close your account before interest is credited, you will not receive the accrued interest.

Christmas Club -- Requires at least a $10.00 deposit to open. A $5.00 fee for withdrawal prior to November 1. Subsequent withdrawal will result in closure of the account. Interest compounded annually and will be credited to your account at the time of payment of principal. If you close your account before interest is credited, you will not receive the accrued interest. Maximum opening deposit is $400.00 and maximum deposit per month thereafter is $400.00.

 

Loans


We love to help our friends buy the home of their dreams. Whether it's your first home or a retirement home, come in to either of our offices and let our loan officers help you find the loan that's exactly right for YOU.


Home Loans -- both 1st and 2nd mortgage loans are available.

    Contact one of our Mortgage Loan Originators:
    • Greg Crihfield 476529
    • Russell Keith Davidson 478372
    • Virginia S. Harris 472672

    Consumer Loans -- for auto or other purchases.

     


    Certificates of Deposit


    Call one of our branches for a complete listing of the CDs we offer and their rates.


    ATM & Debit Cards


    Our 24-hour teller allows deposits, withdrawals, transfers, and inquiries on checking or savings accounts. You can also use your ATM card at Point-of-Sale locations and your Debit card where Mastercard is accepted for the ease of purchases without check writing.

    • 305 South Church Street, Halls
    • 331 Cleveland Street, Ripley

    To report your debit card lost or stolen, please call 1-800-456-4307 immediately.

    Please call one of our customer service reps at 836-5000 or 635-0500 for more details on any of our services.


    Home | Online Banking | Phone Banking | Services | Privacy Policy | Locations | Contact Us| Our Community | Calendar

    Member FDIC | Equal Housing Lender
    2011 The Lauderdale County Bank.