Checking Accounts

A Colorful Array of Accounts

Comparison table of personal checking accounts
  Silver Checking Gold Checking Platinum Checking Red, White & Blue Checking Student Checking
Ideal customer For spenders who maintain lower balances For spenders who maintain higher balances and want to earn interest For spenders who are at least 55 years old 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 $50 $50 $0
Monthly balance to maintain None! $250 to earn interest $250 to earn interest $250 to earn interest None!
Monthly fee None! $5 (if account balance falls below $250) None! None! ($5 dormancy fee charged if account is dormant for 1 year) None!
Earns interest  


(if account balance is at least $250)

Yes (if account balance is at least $250) Yes (if account balance is at least $250)



Free checks First 150 First 150 First 150 Checks are free for life! Checks are free until age 25!
Unlimited check writing Yes Yes Yes Yes
Free debit or ATM card Yes Yes Yes Yes
Free Online Banking Yes Yes Yes Yes
Free bill pay Yes Yes Yes Yes
Free direct deposit Yes Yes Yes Yes
Sweep available Yes Yes Yes Yes


Open an Account


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.

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:

The company or individual initiating the direct deposit will need your 10-digit account number as well as Ladysmith Federal’s routing number: 291571267.

Travel Ad suggesting to tell the bank when you're travelling to avoid debit card limits and restrictions

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