Regular Commercial Checking

An interest bearing Commercial Checking Account can be opened for sole proprietorship, non-profit organizations and governmental units. Interest will be paid monthly. Your statement will reflect the interest earned for the month and any service charges incurred for the month.

Minimum Balance to Open $
100.00
Maintenance Fee
14.00
Checks Paid
0.17
Deposits Posted
0.45
Deposited Items On-Us
0.08
In-State
0.09
Out-of-State
0.10
Other Account Activity (see Fee Schedule)

All service charges are calculated by account analysis; including account balance and account activity. If your monthly earnings credit is greater than your activity charges, there is no service charge. When the activity charge is greater than the earnings credit for the month, you pay the net difference.

Service charges may be offset by earnings credits. Earnings credits are calculated on collected balances less a Federal Reserve Requirement of 10%.

Earnings Credit Rate is based on the prior month's average of the 91-day T-Bill rate for balances of $25,000 or more and at the 91-day T-Bill rate less 2.0% for balances of less than $25,000.


NOTICE OF EXPIRATION OF THE TEMPORARY FULL FDIC INSURANCE COVERAGE FOR NONINTEREST-BEARING TRANSACTION ACCOUNTS

By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a depositor's accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.

Lumbee Guaranty Bank Announces the Appointment of Two New Directors

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