Checking Accounts
A Colorful Array of Accounts
| 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 enrolled in school and are under 25 years old |
| Minimum opening deposit | $50 | $50 | $500 | $50 | $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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Open an Account
You can open an account online or in-person at Ladysmith Federal.
No matter how you apply, you'll need:
- Your Social Security number
- Valid ID (driver's license, state ID, or passport)
- Current residential address
- Funds to deposit
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.
