Checking Accounts
A Colorful Array of Accounts
Ladysmith Federal makes it easier to find a checking account that fits the way you manage your money. Whether you are opening your first checking account, switching to a local bank, looking for an everyday account, or choosing an option with added benefits, this page can help you compare available choices and find the right fit.
At Ladysmith Federal, we know every customer’s banking needs look a little different. Some customers want simple everyday checking for deposits, debit card purchases, bill payments, and direct deposit. Others may want account features that support online banking, mobile banking, eStatements, debit card access, or convenient money management tools. No matter what stage of life you are in, our team is here to help you understand your options and choose a checking account that works for you.
From managing daily expenses to keeping track of household finances, a checking account is an important part of everyday banking. When you open a checking account with Ladysmith Federal, you are choosing a local bank that values personal service, trusted guidance, and community connection. Explore our colorful array of checking accounts here or contact our team for help getting started at 715-532-3389.
| Silver Checking | Gold Checking | Money Market Checking | Red, White & Blue Checking | Student Checking | |
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| Ideal customer | For spenders who maintain lower balances | For spenders who maintain average balances and want to earn interest | For spenders who maintain higher balances and want to earn tiered interest | For spenders with proof of honorable service in the US Military | For spenders who are under 25 years old |
| Minimum opening deposit | $0 | $250 | $500 | $0 | $0 |
| Monthly balance to maintain | None! | $250 to earn interest | $500 to earn interest on first tier | $250 to earn interest | None! |
| Monthly fee | None! | $5 (if account balance falls below $250) |
$25 (if account balance falls below $500) |
None! ($5 dormancy fee charged if account is dormant for 1 year) | None! |
| Earns interest |
(if account balance is at least $250) |
(if account balance is at least $500 to earn first tier) |
(if account balance is at least $250) |
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| Free checks | First 150 | First 150 | First 150 | Checks are free for life! | Checks are free until age 25! |
| Unlimited check writing | |
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First 6 Withdrawals per month Free ($10 fee for each additional) | |
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| Free debit or ATM card | |
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| Free Online Banking | |
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| Free bill pay | |
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| Free direct deposit | |
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| Sweep available | |
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Need to Reload Your Checkbook?
ATM & Debit Cards
The Ladysmith Federal ATM card allows you to access your accounts at an ATM. If you want to use your card for purchases and at ATMs, you will want our debit card instead. Instead of writing a check or using a credit card, just use your debit card. The amount of purchase will automatically be deducted from your checking account.
UChoose Rewards
More Choices. More Points. More Freedom.
Tired of rewards programs that feel limiting and slow to deliver real value? So were we. That’s why we offer UChoose Rewards, a flexible, easy-to-use program designed to reward you faster and give you the freedom to choose rewards that actually matter to you.
Why UChoose Rewards is Different
With UChoose Rewards, you’re in control. You’ll earn points every time you use your Ladysmith Federal debit card, and you’ll have access to hundreds of popular retailers and reward options, from travel and merchandise to gift cards, experiences, and more.
Here’s How It Works:
- Earn 1 point for every $2 spent when you use your debit card and sign for your purchases.
- Earn even more by shopping with participating retailers in-store or online through UChooseRewards.com.
- Redeem your points for the rewards you want — when you want them.
No complicated rules. No restrictive catalogs. Just more ways to earn and more ways to enjoy the benefits of everyday spending.
Direct Deposit
We are proud to offer our customers free direct deposit with any checking account. With direct deposit, your entire check is deposited automatically into your checking account. Direct deposit can be a one-time or recurring deposit, including:
- Payroll
- Dividends/interest
- Social Security
- Annuities, pensions and/or IRAs
- Expense reimbursements
The company or individual initiating the direct deposit will need your 10-digit account number as well as Ladysmith Federal’s routing number: 291571267.
Traveling Soon? Let Us Know Before You Go
Planning a trip out of state or abroad? Before you pack your bags, remember to let Ladysmith Federal know about your travel plans.
Notifying us before you travel can help keep your debit card working as expected while you are away from home. When card activity suddenly appears in a new state or country, it may look unusual and could be flagged for your protection. A quick travel notice helps us better recognize your purchases and reduce the chance of an unnecessary interruption.
Whether you are heading across the country, taking a weekend getaway, or traveling internationally, contact Ladysmith Federal before you leave. Our team can help make sure your debit card is ready for the road, so you can focus on your trip instead of worrying about your card.
To place a travel notice, stop in or give us a call before your departure at 715-532-3389.