Accounts

Ready to open an account? Contact Local Bank today at 918-458-1223! You call, we answer. A real person, every time.

Account Name	Features	Opening Balance	Minimum Balance to Avoid Service Charge	Minimum Balance to Obtain Annual Percentage Yield (APY)	Service Charge & Details	Interest Rate Annual Percentage Yield (APY)
Local Checking	Unlimited check writing. ATM/VISA debit card (with approval) $2,500 daily POS limit and $500 daily ATM withdrawal limit.	$25.00	N/A	N/A	No Monthly Service Charge if Enrolled with eStatements $3 for Paper Statements.	N/A
Local Wisdom	Free Bank checks; 25% discount on other styles. Free cashier's checks & money orders. Free in-Bank transfers. Free ATM/VISA Debit Card (with approval) $2,500 Daily POS limit and $500 daily ATM withdrawal limit.	$50.00	$0.00	$0.00	No service charge No minimum balance	Interest bearing Interest rate 0.10% Annual Percentage Yield (APY) 0.10%
Local NOW	Unlimited check writing ATM/VISA debit card (with approval) $2,500 daily POS limit and $500 Daily Withdrawal Limit Interest bearing	$1,000.00	$1,000.00	$0.00	If minimum falls balance below $1,000, $8.50 service charge	Interest bearing Interest rate 0.10% Annual Percentage Yield (APY) 0.10%
Local Heroes Account	Unlimited check writing Free cashiers checks & money orders Free notary ATM/VISA debit card (with approval) $2,500 Daily POS limit and $500 daily ATM withdrawal limit First Patriotic check order free	$50.00	N/A	$50.00	No service charge Eligibility requires you or an immediate family member to be one of the following: Active duty military or veteran Active, or retired first responder Educator Healthcare worker	Interest rate varies weekly 2.25% below the 90 day Treasury Bill Rate Rate ceiling of 2.95% and rate floor of 0.25%
Super T Account	Unlimited check writing ATM/VISA debit card (with approval) $2,500 daily POS limit and $500 daily ATM withdrawal limit Interest bearing	$7,500.00	$7,500.00	$0.00	If Minimum Balance Falls Below $7,500, $10.00 Service Charge	Interest Rate Varies Weekly 2.00% Below 90-day Treasury Bill Rate 3.20% Rate Ceiling and rate floor of 0.25%
Super T Business Account	Unlimited check writing ATM/VISA debit card (with approval) $2,500 daily POS limit and $500 daily ATM withdrawal limit Interest bearing	$7,500.00	$7,500.00	$0.00	If Minimum Balance Falls Below $7,500, $10.00 Service Charge	Interest Rate Varies Weekly 2.00% Below 90-day Treasury Bill Rate 3.20% Rate Ceiling and rate floor of 0.25%
Local Savings Account	Interest Bearing	$50.00	$50.00	$0.00	If Minimum Balance Falls Below $50.00, $3.00 per month Service Charge	Interest bearing Interest rate 0.75% Annual Percentage Yield (APY) 0.75%
Sequoyah Account	Unlimited check writing New money to Local Bank only ATM/VISA debit card (with approval) $2,500 daily POS limit and $500 daily ATM withdrawal limit Interest bearing	$100,000.00	N/A	$0.00	No monthly service charge	Interest Rate Varies Weekly 0.25% Below 90-day Treasury Bill Rate 5.50% Rate Ceiling If average monthly balance falls below $100,000.00 interest rate for the month will be 1.00% with an Annual Percentage Yield (APY) of 1.005%
Sequoyah Business Account	Unlimited check writing New money to Local Bank only ATM/VISA debit card (with approval) $2,500 daily POS limit and $500 daily ATM withdrawal limit Interest bearing	$100,000.00	N/A	$0.00	No monthly service charge	Interest Rate Varies Weekly 0.25% Below 90-day Treasury Bill Rate 5.50% Rate Ceiling If average monthly balance falls below $100,000.00 interest rate for the month will be 1.00% with an Annual Percentage Yield (APY) of 1.005%
Local Business Account	250 free transactions (debits) ATM/VISA debit card (with approval) $2,500 daily POS limit and $500 daily ATM withdrawal limit	$100.00	N/A	N/A	No monthly service charge Transactions in excess of 250 per month	N/A
Local Commercial Account	125 Free Transactions (debits) ATM/VISA debit card (with approval) $2,500 daily POS limit and $500 daily ATM withdrawal limit	$100.00	N/A	N/A	$9.50 Monthly service charge Transactions in excess of 125 per month, $0.20 per transaction Earning credit of 0.25% on each $1,000 average balance to offset charges No charges for credits	N/A
Health Savings Account	Unlimited check writing ATM/VISA debit card (with approval) $2,500 daily POS limit and $500 daily ATM withdrawal limit	$100.00	$500.00	N/A	If minimum balance falls below $500.00, $2.00 service charge	N/A

*The annual percentage yields (APY) are accurate as of today and are subject to change without notice. The annual percentage yield on all Time Deposits with a term length indicated in a range of days/months is calculated on the maximum term length for that deposit. Fees may reduce earnings.