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Open Your Personal Checking Account

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

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CHECKING

Checking Accounts Without Service Fees*

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

* 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

 

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Apply Online for LorMet Checking Accounts

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

Everywhere Checking Account Rates

Let your money work for you and earn even higher dividends with minimum debit card usage
Requirements MetDividend RateAPY2
Up to $3,000.001.00%1.00%
$3,000.01 to
$5,000.00
.50%.50%
Requirements Not Met1Dividend RateAPY2
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 subject to change without notice. Fees may reduce earnings. Rates effective as of January 1, 2022.

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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.

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Vince Urbin

Getting such good customer service isn’t always displayed nowadays. Thanks LorMet!

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Thomas O’Malley

I will never forget the Branch Manager’s genuine
helpfulness
and kindness.

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