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Account Options
Lusk State Bank offers a variety of checking options to fit your personal or business needs. Each of our checking accounts provides the convenience of 24-hour account access through our on-line banking program.
All rates current as of December 7, 2020
Personal Checking
A non-interest bearing account with unlimited check-writing privileges
- No minimum deposit required to open account
- $4.00 monthly maintenance fee on each account
- Maintain a $500 average monthly collected balance to avoid the maintenance fee
- Senior citizens and minors are not assessed a maintenance fee
- Debit cards are available
- Internet banking available
Business Checking
A non-interest bearing checking account for owner-operated, start-up, and small businesses with unlimited check writing
- $4.00 monthly maintenance fee on each account per month
- $0.20 charge per debit item
- $0.20 credit per $100.00 average monthly balance as offset to fees
- $100.00 minimum deposit required to open account
- Internet banking available
NOW Checking
An interest bearing account with unlimited check writing privileges
- 0.10% Annual Percentage Yield (0.10% Interest Rate)
- $1200.00 minimum required to open
- Interest based on average daily balance and credited to the account each monthly statement cycle
- Tiered service charge plan:
- $1200.00 and over average monthly balance – no charge
- $1199.00 to $800.00 average monthly balance -- $3.75 charge and $0.20 per debit over 20 debits
- $799.00 to $500 average monthly balance -- $5.25 charge and $0.20 per debit over 20 debits
- Under $500.00 average monthly balance -- $7.75 charge and $0.20 per debit over 20 debits
- Debit cards are available
- Internet banking available
Money Market Checking Account
A tiered interest bearing account designed to pay higher interest rates on accounts maintaining larger balances. Check writing privilege, within limits defined below.
- 0.10% Annual Percentage Yield (0.10% Interest Rate)
- $2,500.00 minimum deposit required to open
- Interest based on the average daily balance; compounded and credited to account each monthly statement cycle
- Average balance under $2,500.00 accrues interest at a reduced rate of 0.05%
- No monthly service charge
- 6 checks or transfers allowed per statement period – unlimited in-person withdrawal
- Internet banking available
Personal Savings Account
An interest bearing account that provides convenient access to funds
- 0.10% Annual Percentage Yield (0.10% Interest Rate)
- $100.00 minimum deposit required to open account
- Interest based on average daily balance compounded and credited quarterly
- No interest paid if average daily balance for the quarter is below $100.00
- Allows 6 debits per statement cycle that are not initiated in person; unlimited in-person transactions
- $3.00 fee to close account if open less than 90 day
- Internet banking available
Individual Retirement Account (IRA)
An investment opportunity designed to provide for the future
- Variety of IRA options – Traditional, Roth, SEP
- $500.00 minimum deposit required to open ($50,000.00 minimum deposit for CDARS)
- Internet banking account viewing available
Health Savings Account
Interest bearing account used with HSA eligible health insurance policy for tax savings
- 0.10% Annual Percentage Yield (0.10% Interest Rate)
- No minimum deposit
- Interest based on average daily balance, compounded and credit to account each monthly statement cycle
- Unlimited withdrawals per interest period
- $20.00 Annual Fee
- Debit card available
Time Deposits: Certificate of Deposit
An investment opportunity with fixed rate of interest for a specific period of time
- $500.00 minimum to open
- Interest compounded and credited quarterly
- Terms of maturity from 3 months to 60 months
- Automatic renewal option available
- Early withdrawal penalty applies
- Internet banking account viewing available
Time Deposit Rates
Term |
Annual Percentage Yield<,strong> |
Interest Rate |
3 Month |
0.10% |
0.10% |
6 Month |
0.15% |
0.15% |
12 Month |
0.20% |
0.20% |
18 Month |
0.25% |
0.25% |
24 Month |
0.35% |
0.35% |
36 Month |
0.50% |
0.50% |
48 Month |
0.60% |
0.60% |
60 Month |
0.75% |
0.75% |
FOR LARGER DEPOSIT PLEASE INQUIRE ABOUT OUR CDARS & ICS ACCOUNTS.
Excellent interest bearing options to optimize FDIC insurance protections for large deposits
Please inquire about these programs if you think they might meet your needs.
** Variable account interest rates may change from time to time as set and announced by the bank. All accounts are subject to regular bank charges for overdrafts, non-sufficient funds and returned checks, stop payment orders, reconciling charges and printed check charges. Such fees could reduce your earnings on the account. Please call (307) 334-2500 for current rate information.**