Open Your Personal Checking Account At LorMet

CHECKING

Checking Accounts Without Service Fees*

We provide the freedom and convenience you need to simplify your banking experience

40,000 surcharge-free MoneyPass ATMs nationwide
Free Mobile Check Deposit¹
Free member-to-member transfers between accounts
Free Online & Mobile Banking¹

* E-statements required for all checking accounts besides Classic Checking. Minimum opening deposit of $50.00 required for Everywhere & Classic Checking. Minimum opening deposit of $25.00 required for Student & Teen Checking.

¹ Message and data rates may apply

Apply Online for LorMet Checking Accounts

Find the best checking account options for your lifestyle and start banking with LorMet today

Relationship Checking

Everywhere Checking

Classic Checking

Student Checking

Teen Checking

Business Checking

Relationship Checking

Apply for a Relationship Checking Account

A loyalty-based account that rewards your membership with free annual checkbooks

One free checkbook every 12 months
No Monthly Service Fee⁷
Access to 40,000 surcharge-free MoneyPass ATMs nationwide
Free Mobile Check Deposit²

I’m a Member I’m Not a Member

Blondie asian female running small business.

Everywhere Checking

Apply for an Everywhere Checking Account

Get rewarded for everyday debit card purchases by earning dividends on your account.

Earn Dividends
Free Online Bill Pay
No Minimum Balance
No Monthly Service Fee¹

I’m a member I’m Not a Member

Classic Checking

Apply for a Classic Checking Account

A traditional checking account for those who prefer paper statements and write many checks.

Free LorMet Debit Card with CardControl
Free Mobile Check Deposit²
Online Bill Pay for only $5/month
No Monthly Service Fee³

I’m a Member I’m Not a Member

Student Checking

Apply for a Student Checking Account

A convenient banking experience designed specifically for students. For ages 17-22⁴.

LorMet Debit Card with CardControl
Free Mobile Check Deposit²
No monthly service fee
No minimum balance

Get Started

Teen Checking

Apply for a Teen Checking Account

Learn to spend and save with no account fees or minimums. For ages 15-18⁴.

LorMet Debit Card with CardControl
Free Mobile Check Deposit²
No monthly service fee
No minimum balance

Get Started

Business Checking

Apply for a Business Checking Account

Manage your business’s finances and expenses with a convenient, flexible checking account

Free Online Banking & Mobile Check Deposit²
Deposit or write up to 100 items without additional fees⁵
Make cash deposits up to $10,000 per month without any additional fees⁶

For existing LorMet members in good standing

Get Started

1 If 15 debit card purchases are made monthly. Otherwise, it’s only $6.95/month
2 Message and data rates may apply
3 With enrollment in E-Statements and either direct deposit of over $500+ monthly or an average daily balance of $750+ monthly. Otherwise, it’s only $8.95/month
4 If under age 18, a parent/guardian with an existing LorMet account in good standing is required as joint owner.
5 $.25/Item over 100 deposited or cleared items
6 .20/$100 if total cash deposits greater than $10,000/Month

7 With enrollment in E-Statements and either an open share certificate with LorMet, open loan with LorMet, direct deposit of over $500+ monthly, or an average daily balance of $750+ monthly. Otherwise, it’s only $6.95/month

* E-statements required for all checking accounts besides Classic Checking. Minimum opening deposit of $50.00 required for Everywhere & Classic Checking. Minimum opening deposit of $25.00 required for Student & Teen Checking.

Everywhere Checking Account Rates

Let your money work for you and earn even higher dividends with minimum debit card usage

Start The Switch

Requirements Met	Dividend Rate	APY²
Up to $3,000.00	1.00%	1.00%
$3,000.01 to $5,000.00	.50%	.50%

Requirements Not Met¹	Dividend Rate	APY²
Up to $5,000.00	.05%	.05%

¹ Minimum opening balance: $50.00. Everywhere Checking is a tiered rate account. If your average daily balance is $3,000.00 or below and you meet the minimum service requirement (complete at least 15 debit card purchases (excluding ATM transactions) during the calendar month), a Dividend Rate and APY of 1.00% will apply. If your average daily balance is $3,000.01 to $5,000.00 and you meet the minimum service requirement, a Dividend Rate and APY of .50% will apply. Each rate will apply only to that portion of the account balance within each balance range. If you do not meet the minimum service requirement during a calendar month, a Dividend Rate and APY of .05% will apply to the entire balance in the account, up to $5,000.00 and you will be charged a service fee as stated in the fee schedule.

² APY = Annual Percentage Yield. Rates and terms are subject to change without notice. Fees may reduce earnings. Rates effective as of December 1, 2025.

* E-statements required for all checking accounts besides Classic Checking. Minimum opening deposit of $50.00 required for Everywhere & Classic Checking. Minimum opening deposit of $25.00 required for Student & Teen Checking.

Checking Account Overdraft Options

Achieve financial freedom with increased checking account limits

Overdraft Transfers from Savings

Back up your Checking Account with your Primary Savings in the event of an overdraft.

Overdraft Privilege Plan*

Avoid merchant fees for returned checks or denied purchases.

Checks and ACH Automatic Debits

We pay overdrafts up to your overdraft privilege limit.

ATM and Debit Card Transactions

Opt-in below to allow debit card or ATM overdrafts up to your overdraft privilege limit.

*Terms & Conditions Opt-In Form

Checking Account Resources

Get confident in your banking knowledge by reading our guides!

VIEW ALL

Security

FBI Warns of Account Takeover Fraud: How to Stay Safe

Budgeting & Saving

How to get $100 at Account Opening

Product Updates

Introducing The Upgraded LorMet Visa Credit Card

Tim Alcorn, Lorain Sports Hall of Fame – Play-by-Play Announcer

When I walk into a LorMet branch, there’s a sense that you’re part of the family.
Read Full Member Testimonial

Tim Alcorn, Lorain Sports Hall of Fame – Play-by-Play Announcer

When I walk into a LorMet branch, I feel as if I have a relationship with the staff. There’s a sense that you’re part of the family, part of their community. Just the way they talk to you, the way they treat you. It’s a very personal service.

Bob Setlock

We’ve banked in many communities, this is the best we’ve ever belonged to.
Read Full Member Testimonial

Bob Setlock

We’ve been banking in many different states and many different communities throughout the years, this is the best one we’ve ever belonged to, it really has made a difference. For people out there who maybe want to make a change, I really recommend LorMet because of what I perceive to be a very positive culture that has seemed to have grown here, the people are very nice and it makes all the difference in the world.

Niya Knox

They gave me the best info about how my money was going to work for me.
Read Full Member Testimonial

Niya Knox

They gave me the best information about how my money was going to work for me. You cannot choose a better financial institution, you cannot choose a better family to join!

Cindy LaFortune

If you want that personal touch, that feeling that people care, they do.
Read Full Member Testimonial

Cindy LaFortune

If you want that personal touch, and that feeling that people care about you here, they do. And Irene was so good about explaining everything and making sure that I had a good experience. I don’t think I’ve ever experienced going into a bank and having THAT.

Marilyn Bombac

I was looking at CDs. Irene was compassionate, caring, and wanted us to succeed.
Read Full Member Testimonial

Marilyn Bombac

I was looking at CDs, being involved with a trust, so there were a lot of different things that I was trying to get some professional advice on. Irene was not only competent and extremely knowledgeable but she was compassionate, caring, and wanted us to succeed, it was apparent. Those are the kind of things you cant buy, those are the kind of things that make an organization worth people coming back to.

Open Your Personal Checking Account

Checking Accounts Without Service Fees*

* E-statements required for all checking accounts besides Classic Checking. Minimum opening deposit of $50.00 required for Everywhere & Classic Checking. Minimum opening deposit of $25.00 required for Student & Teen Checking.

1 Message and data rates may apply

Apply Online for LorMet Checking Accounts

Apply for a Relationship Checking Account

View Full Terms and Disclosures

7 With enrollment in E-Statements and either an open share certificate with LorMet, open loan with LorMet, direct deposit of over $500+ monthly, or an average daily balance of $750+ monthly. Otherwise, it’s only $6.95/month

* E-statements required for all checking accounts besides Classic Checking. Minimum opening deposit of $50.00 required for Everywhere & Classic Checking. Minimum opening deposit of $25.00 required for Student & Teen Checking.

Everywhere Checking Account Rates

View Full Terms and Disclosures

2 APY = Annual Percentage Yield. Rates and terms are subject to change without notice. Fees may reduce earnings. Rates effective as of December 1, 2025.

* E-statements required for all checking accounts besides Classic Checking. Minimum opening deposit of $50.00 required for Everywhere & Classic Checking. Minimum opening deposit of $25.00 required for Student & Teen Checking.

Checking Account Overdraft Options

Overdraft Transfers from Savings

Overdraft Privilege Plan*

Checks and ACH Automatic Debits

ATM and Debit Card Transactions

Checking Account Resources

Security

FBI Warns of Account Takeover Fraud: How to Stay Safe

Budgeting & Saving

How to get $100 at Account Opening

Product Updates

Introducing The Upgraded LorMet Visa Credit Card

Leaving LorMet.com

¹ Message and data rates may apply

² APY = Annual Percentage Yield. Rates and terms are subject to change without notice. Fees may reduce earnings. Rates effective as of December 1, 2025.