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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

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