Overdraft Transfers from Savings
Back up your Checking Account with your Primary Savings in the event of an overdraft.
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
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
| 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 July 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 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.
Checking Account Resources
Get confident in your banking knowledge by reading our guides!
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