Lake City BankFounded in 1872, Lake City Bank is the third oldest State-chartered bank in Indiana. We serve the wonderful people of Northern Indiana and they, in turn, have helped us grow into one of the region’s largest locally-based financial institutions. With their headquarters in Warsaw, Lake City Bank offers 49 convenient offices across Indiana. Lake City Bank services St. Joseph and Elkhart counties.

below are the LAKE CITY BANK products available:
  • Checking Account: Getting Ahead Checking
    • Minimum Opening Balance: None
    • Monthly Maintenance Fee: None
    • ChexSystems: Yes
    • Out of Network ATM Fees: Yes
  • Savings Account: Getting Ahead Savings
    • Minimum Opening Balance: None
    • Monthly Maintenance Fee: None
    • ChexSystems: Yes
    • Out of Network ATM Fees: Yes
  • Secured Credit Card
    • Minimum Opening Balance: $300
    • Monthly Maintenance Fee: $35 Annual Fee
    • Out of Network ATM Fees: Yes
  • Getting Ahead Loan
    • Minimum Opening Balance: $150 or $300 – 2 Loans Max
    • Monthly Maintenance Fee: Zero interest, no origination fees, no prepayment penalties, no down payment

Interested in one of these products? Visit a location near you or call (888) 522-2265.


In order to apply for the financial products listed above, you may be required to take one or more of our financial education workshops. Check with your bank partner regarding this criteria. To see class offerings, click here.