Courtesy Pay and Overdraft Protection

  • With Courtesy Pay enjoy automatic overdraft coverage and extra peace of mind. If there are insufficient funds to cover the transaction amount, we'll pay the difference – up to $750* – so you won't face the embarrassment and added expense of having your item returned unpaid.** This service covers your checks, ACH transactions and reoccurring debit card transactions.
  • Pay a nominal overdraft fee, which will be deducted from your checking account along with the amount overdrawn.
  • Make managing your finances easier and enjoy greater flexibility. Plus, there's no credit application or interest to pay.
  • With Overdraft Protection, you will be provided coverage if there are insufficient funds as a result of everyday POS and ATM transactions. If you would like to opt-in to this service contact your local LNB office. *Non-interest bearing accounts will receive $500 courtesy pay limit.Interest-bearing accounts will receive $750 courtesy pay limit.**Whether your overdraft(s) 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. A $36.00 fee may be imposed for covering each overdraft created by check, in person withdrawal, ATM withdrawal, or other Electronic means causing the account to overdraw. A Continuous Overdraft Fee of $5.00 will be imposed for each calendar day the account remains overdrawn beginning on the fifth day of the overdraft. We will not charge an overdraft fee if your ATM or POS transaction is in the amount of $5.00 or less. Member FDIC.

Direct Deposit

  • Enjoy the convenience of having your payroll, retirement, or government checks automatically deposited and ready for you to use
  • Save yourself the time and trouble of making an extra trip to the bank to cash your check. Your money will be available for you to use every payday—even when you're on vacation or ill.

Visa Debit/ATM Card

  • Make card purchases directly from your checking account at millions of locations worldwide.
  • Eliminate the hassles of waiting for check approvals.
  • Pay no interest charges because the money comes directly from your checking account (Your transaction is paid for immediately – no credit is involved).
  • Pay no annual fee.
  • Choose your own personal identification number (PIN) for greater convenience.
  • Make fast, convenient withdrawals 24/7 at any ATM - Go to ATM locations to find out where they are.
  • Make quick deposits at LNB branch office ATMs.


  • Receive your statements safely and securely electronically.
  • Eliminate the risks of having paper statements intercepted from your mailbox.

ExpressLine Telephone Banking

  • Check your account balances and listen to your transaction history for all your LNB accounts.
  • Monitor check activity.
  • Transfer funds between LNB accounts.
  • Make LNB loan payments.

Call toll-free 1-888-946-2212

Falcon Fraud Manager

  • LNB uses Falcon Fraud Prevention Services to continually monitor your debit card activity and prevent fraudulent transactions from occurring on your account.
  • If Falcon Fraud believes there are suspect transactions occurring on your card, Falcon will contact you to verify that you made them.
  • If Falcon Fraud Manager detects potential fraud and cannot reach you directly, they will contact LNB. One of our representatives will then contact you.
  • NOTE: If you attempt to use your card prior to verifying the transactions, your card will decline transactions.
  • If you confirm fraudulent activity, your debit card will then be shut down to prevent further transactions. Please call LNB during normal business hours to dispute the transactions and re-activate your card.
  • If you validate the transactions, the card will be temporarily flagged so you can continue to use it.

VISA Gift Card

Gift Cards are a perfect for any occasion. You can purchase them at any of our branch locations from $25, up to $749, or online, of up to $500 at Gift cards can be used anywhere in the world where the VISA debit is accepted.

Mobile Banking

LNB Go Mobile is a fast and easy way to bank--when you want, where you want. With apps for the iPhone, Android, and web-enabled phones, you can:

  • View LNB account balances
  • Check transaction history
  • Pay bills
  • Receive LNB Courtesy Pay automatically, no need to apply.
  • Transfer money between your LNB accounts
  • Signup to receive account alerts
  • Find nearby LNB offices and ATMs
  • SMS text banking for text enabled phones is coming soon!

Money Orders & Official Checks

Money Orders are a safe, convenient, and economical alternative to sending cash through the mail. Purchase money orders, up to $1,000 at any of our branch locations.

Official Checks are a simple option to verify funds immediately. Official Check purchase amounts are unlimited, and available at all of our branch locations.

Online Banking

  • Check your account balances and view transaction history.
  • Monitor check activity.
  • Transfer funds between LNB accounts.
  • Make LNB loan payments.

Online Bill Pay

  • Pay your bills online—anytime that fits your schedule.
  • Setup automatic monthly bill payments.
  • Save the time and trouble of writing checks and mailing your payments.
  • Make one-time payments easily and conveniently.

Traveler Program

  • If you are planning to travel within the United States or Canada, you can request that your card not be monitored in order to make purchases. In doing so, you will avoid any blocks from being placed on the card while on vacation, agreeing to take full responsibility for any fraud as a result of this request. Simply stop by your local branch.
  • If you plan to travel outside of the United States or Canada, all foreign transactions will be blocked.
  • To report a lost or stolen LNB Visa® debit card, please call 1-800-417-8715.

Safe Deposit Box

Keep valuables secure with an LNB safe deposit box. Contact your local branch for more information. See below for additional service details*.

Wire Transfers

Transfer funds bank to bank safely and securely.

Important Security Information

  • Falcon and LNB may ask you to confirm the last 4 digits of your Social Security Number, but we will never ask you to provide your full Social Security Number. You will never be asked to give your card number, account number or PIN. You will only be asked to verify specific transactions on your account.
  • The contents of your safe deposit box may not be fully protected against loss under insurance coverage maintained by the Bank or safe deposit company. For your protection you may wish to secure your own insurance through an insurance company of your choice.