Checking Accounts

A Variety of Options


The Bank of LaFayette offers a wide variety of checking account options, all designed to suit your individual needs. Listed below are the many different types of checking accounts that we offer. Please contact us if you need more information about our various checking accounts.

Do you need to re-order checks for your account? If so, and you don't need to make any changes or corrections since your last check order, simply click on the graphic on the left sidebar to be taken to Harland Checks website where you may place your check reorder online!

Personal NOW Accounts

The Now Account is a checking account that pays interest on balances of $1,000 or more. Fifteen checks may be written per month without charge. Other restrictions and charges apply.

Commercial NOW Accounts

The Now Account is a checking account that pays interest on balances of $1,000 or more. Fifteen checks may be written per month without charge. Other restrictions and charges apply.

Personal Checking

Personal Checking is designed for personal use. It requires a minimum opening deposit of $150. Service charges are based on the average balance maintained and the number of checks written. Statements for this account are sent out once a month.

Business Checking

Business Checking is designed for the larger balance commercial customer with a high volume of activity. Service charges for this account are determined with an account analysis procedure.

Ultimate Checking

lnterest bearing account available for personal accounts only.

  • No monthly service charge.
  • ATM fee refunds up to $25 per cycle when qualifications are met.
  • Receive a Reward Rate by fulfilling certain qualifications.

See a Customer Service Representative for details, qualifications and restrictions.

Cycle Date Information:

The following dates apply to our Ultimate Checking account(s). Monthly Qualification Cycle dates are not the same as our Statement Cycle dates. Please refer to your account’s Truth In Savings disclosure for your account’s specific qualification requirements. To qualify for your account’s rewards, all of your account’s qualifying transactions must post and settle to your specific Ultimate Checking account within the Monthly Qualification Cycle dates stated below. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning your account’s rewards. Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for your account's rewards.

  Monthly Qualification Cycle Statement Cycle
Month Year Begin End Begin End
January 2022 12/15/21 1/18/22 12/16/21 1/19/22
February 2022 1/19/22 2/15/22 1/20/22 2/16/22
March 2022 2/16/22 3/15/22 2/17/22 3/16/22
April 2022 3/16/22 4/19/22 3/17/22 4/20/22
May 2022 4/20/22 5/17/22 4/21/22 5/18/22
June 2022 5/18/22 6/14/22 5/19/22 6/15/22
July 2022 6/15/22 7/19/22 6/16/22 7/20/22
August 2022 7/20/22 8/16/22 7/21/22 8/17/22
September 2022 8/17/22 9/20/22 8/18/22 9/21/22
October 2022 9/21/22 10/18/22 9/22/22 10/19/22
November 2022 10/19/22 11/15/22 10/20/22 11/16/22
December 2022 11/16/22 12/20/22 11/17/22 12/21/22

Future Monthly Qualification Cycle and Statement Cycle dates for our Ultimate Checking accounts will be available to you via our website or through one of our Service Representatives within one of our branches.

Prestige Account

Our best checking account for our most proven customers 55 & over. The Prestige Account has all the value, convenience and benefits you expect and need in your checking account. By keeping a minimum balance of only $100.00, there are no account maintenance fees (a $5.00 fee is charged is charged for any month if your balance drops below $100.00). Included with this account is free BillPay for NetTeller users.*

Complete Customer Checking

Complete Customer Checking offers you about all of the banking services you'll ever need for one low monthly fee. Unlimited checking and free personalized checks are included. Accidental death insurance* is provided in the amounts of either $15,000 or $25,000, depending on the plan you choose. Included with this account is free BillPay for NetTeller users.* *Note: This insurance product is not a deposit or other obligation of, or guaranteed by, the bank or an affiliate of the bank; The insurance product is not insured by the Federal Deposit Insurance Corporation (FDIC) or any other agency of the United States, the bank, or an affiliate of the bank.

Student Checking

Student Checking is provided free of charge to students while they are enrolled in school on a full time basis. An initial $150 deposit is required to open this account.

Senior Account

For any customer who has reached the age of 65, a checking account is provided with no monthly service charge and no minimum balance.

Debit MasterCard CHECKCard


The Debit MasterCard CHECKCard adds the power of an ATM card to your checkbook. Using this card is just like writing a check. The money comes right out of your checking account. You can even use your card at thousands of ATMs worldwide. Click here for a printable copy of our Debit MasterCard CHECKCard application. Drop off the completed application at any of our locations or mail it to: CHECK CARD DEPARTMENT The Bank of LaFayette P.O. Box 1149 LaFayette, GA 30728-1149

*Please contact our Customer Service Representatives in our New Accounts Department for specifics on each type of account.

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