Checking Services

Silver Checking

  • This is our free checking account … the only time you will get charged is if you write or receive a bad check
  • No minimum balance, but must be opened with $50
  • You will receive a monthly statement
  • Your first 150 checks are free
  • Unlimited check writing
  • Like all of our checking accounts, the ATM or Debit card is free as well
  • For your convenience, we also offer free direct deposit
  • Sweep available

Gold Checking

  • This account earns interest and is for those of you that maintain a little higher balance
  • If you fall below the $250 during the month, you will receive a $5 charge
  • Monthly statements are mailed to you
  • Your first 150 checks are free
  • Unlimited check writing
  • Free ATM or Debit card
  • Free direct deposit
  • Sweep available

Platinum Checking

  • For those of you age 55 and above
  • Earn interest as long as you keep your balance above $250
  • No monthly service fees
  • Receive a monthly statement
  • Your first 150 checks are free
  • Unlimited check writing
  • Free ATM or Debit card
  • Free direct deposit
  • Sweep available

Red, White & Blue Checking

  • Proof of honorable military service required
  • Minimum balance of $250 (to earn interest)
  • Interest compounded and credited monthly**
  • No monthly service fee
  • Receive monthly statements
  • Free ATM/Debit card
  • Free Online and Mobile Banking
  • Free Bill Pay
  • Direct Deposit
  • Mobile Check Deposit
  • Checks are Free for Life
  • $5 dormancy charge if inactive for 1 year. **Interest rate can change at anytime
You will be sent to our secure online banking site at https://web1.secureinternetbank.com

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Loan Pre-Qualification

Click here to process a loan pre-qualification submission.
How to sign up for online banking:

Call Ladysmith Federal at 1-888-532-5375
Member FDIC, Equal Housing Lender