Checking Accounts
Our checking accounts are designed to keep up with your life-offering convenience, flexibility, and the tools you need to manage your money confidently.
Modern Checking That Works for You
Our checking accounts do more than hold your money—they make managing it easy. With smart digital tools, everyday perks, and local support, staying in control is simple.
24/7 Access
Bank anytime with easy online and mobile tools.
Everyday Convenience
Pay bills, transfer funds, and deposit checks with a few taps.
Smarter Spending
Track habits and manage goals with built-in budgeting tools.
Added Perks
Get unlimited check writing, free eStatements, and custom debit cards.
Secure by Design
Real-time fraud alerts and card controls give you peace of mind.
Local Support
Friendly, knowledgeable service from a team that knows you.
Compare Checking Account Options
| Feature | SmartCard Checking | Forward Checking | Forward Checking Plus |
|---|---|---|---|
| Best For | A simple, fee-free account built for teens and young adults—making it easy to spend, save, and learn smart money habits from day one. | A no-fuss account with no monthly fee or minimum balance—just simple, reliable banking that fits your everyday needs. | Earn interest and enjoy extra perks. |
| Monthly Maintenance Fee | $0 | $0 | $10 (waived with $1,000 average monthly ledger balance) |
| Minimum Opening Balance | $25 | $100 | $100 |
| Earns Interest1 | | ||
| Overdraft Privilege2 | Up to $700 | Up to $1,500 | |
| Mobile & Online Banking | | | |
| Online Bill Pay | | | |
| Digital Wallet Compatible | Apple Pay®, Google Pay™, PayPal, Venmo, Visa Checkout | Apple Pay®, Google Pay™, PayPal, Venmo, Visa Checkout | Apple Pay®, Google Pay™, PayPal, Venmo, Visa Checkout |
| Custom Debit Card | | | |
| Free eStatements | | | |
| Unlimited Check Writing | | | |
| Free Cashier’s Checks & Money Orders | | ||
| Safe Deposit Box Discount | 25% off | ||
| Get Started | Contact Us | Open an Account | Open an Account |
1 Interest is paid on your daily ledger balance.
2 This is not a line of credit. An overdraft fee of $32 for each overdraft item paid up to a maximum of $96 per day. An overdraft fee may be charged for covering overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means. Any overdrawn balance, including fees, will need to be repaid immediately without notice or demand from us. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or you have too many overdrafts. For more information refer to the Overdraft Privilege Policy section within the Account Fees & Options link.
Everyday Banking Made Easy
Debit Cards
Make everyday purchases and ATM withdrawals securely. Enjoy contactless payments, built-in fraud protection, and easy account access.
Online Banking
Bank anytime, anywhere—on your schedule. Check balances, transfer funds, view statements, and manage your accounts 24/7 from the comfort of your home or on the go.
Mobile Banking
Manage all your finances from the palm of your hand. Use our mobile app to deposit checks, pay bills, monitor activity, and more—right from your smartphone or tablet.
Bill Pay
Pay bills securely in just a few clicks, all in one place. Schedule one-time or recurring payments, avoid late fees, and take control of your monthly bills with ease.
Market Report: November 2026
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Meet CORA: Lake Ridge Bank’s Online Resource Assistant
