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We offer enhanced and simple checking account solutions to choose from, each designed to suit your individual needs. Have access to your money on a daily basis for every day needs. Each account makes banking easier and includes:

  • A Large ATM network
  • Online Banking
  • E-statements
  • FinanceWorks, makes it easier to monitor your Cash-flow
  • TeleBanking

Total Access Checking


At Lake Forest Bank & Trust Company, we put the needs of our customers first. That’s why we developed our Total Access Checking Account with unlimited FREE ATM transactions nationwide. With this unparalleled feature and with our unfailing dedication to customer service, it’s clear that the best bank around is Lake Forest Bank & Trust Company. Why bank anywhere else?

Account Benefits:

  • Unlimited FREE ATM transactions nationwide1
  • You may open account with any initial deposit
  • FREE online banking & bill pay
  • FREE first order of checks
  • Unlimited check writing
  • Overdraft protection available3
  • FREE FinanceWorks® 4

1. No transaction charge at any ATM in the Money Pass or Sum surcharge - free networks. Other banks outside the network may impose ATM surcharges at their machines. Surcharge fees assessed by owners of other ATMs outside the network will be reimbursed. Reimbursement does not include the 1% International Service fee charged by MasterCard for certain foreign transactions conducted outside the continental United States. 2. You may open the account with any initial deposit. The account is non-interest bearing. Fees, such as overdraft charges and fees for special services, may apply. A $10 fee will be charged if account is closed within the first six months of opening. See a personal banker for more information. 3. Overdraft line of credit requires credit approval. 4. FinanceWorks powered by Quicken.

PlatinumPreferred® Account

Our PlatinumPreferred Account® offers an attractive combination of products and services designed to meet the banking needs of those fifty and older.

Platinum Adventures®

Platinum Adventures® is our travel and activities club, created especially for customers age 50+. Click here for more information.

Features and Benefits of the account

  • Interest bearing NOW checking with no minimum balance and no monthly fee1
  • Tiered account interest - the higher the balance, the higher the rate
  • FREE Specialty Mint Checks2
  • NO ANNUAL FEE MasterCard® debit card
  • Free access to SUM and MoneyPass ATMs in the Chicagoland area
  • FREE 3" x 5" safe deposit box for one year (or equivalent savings off a larger box)3
  • BONUS interest rates on all regular fixed rate CDs4
  • FREE traveler's checks, money orders and cashier's checks
  • FREE imaged checks with CheckManager Plus®
  • FREE Online Banking and Telebank
  • FREE Bill Pay
  • FREE Quicken and Microsoft Money download capabilities

Our SimpleSwitch® system makes switching your bank accounts, direct deposit and automatic bill payment very simple. Fill out and submit this application form or come see one of our friendly personal bankers. Overdraft protection also available.

1Penalty fees, such as overdraft charges, and fees for special services may apply. Account can be opened with any initial deposit. 2Limitations apply on type of check and quantity ordered. 3Limited number of boxes available. 4Excludes CD Special Rates

SingleSolution Checking™

Our SingleSolution® Checking Account is the only account you’ll ever need. It offers a tiered interest structure, discounts at local merchants, and more! You can utilize some or all of the following benefits:

  • Interest bearing checking where your rate increases with your balance! Please see our Deposit Rates.
  • FREE first order of safety paper checks¹
  • FREE MasterCard® credit card and no extra-fee ATM card or MasterCard® debit card²
  • Free access to SUM and MoneyPass ATMs in the Chicagoland area
  • FREE Bill Pay and On-Line Banking
  • The account may be opened with any initial deposit
  • There is a daily minimum balance requirement to avoid a monthly service charge
  • There is a monthly non-activity fee if there are no deposits or checks posted for three consecutive months

Contact a Personal Banker for more details

¹Limitations Apply ²Pending application approval, requires usage.

It's Easy To Open This Account

Our SimpleSwitch® system makes switching your bank accounts, direct deposit and automatic bill payment very simple. Fill out and submit this application form or come see one of our friendly personal bankers. Please contact us if you have any questions.


To help the government fight the funding of terrorism and money laundering activities, the USA PATRIOT Act requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means to you: When you open an account, we will ask for your name, physical address, date of birth, taxpayer identification number and other information that will allow us to identify you. We may also ask to see your driver’s license and other identifying documents. We will let you know if additional information is required.