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FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Routing Number 101100786 620-342-3523 Locations Log In
Lyon County State Bank Open an Account
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Personal Checking · Emporia, Kansas

Traditional Checking. All the basics, no monthly fee.

$0 monthly maintenance when you keep a $100 minimum balance, $100 to open, and every banking tool you need — online and mobile banking, a Mastercard® debit card, and free access to LCSB ATMs. Same Bank — Same Name since 1913.

Member FDIC · Each depositor insured to at least $250,000 Equal Housing Lender
$0*
Monthly maintenance fee
*$5 if $100 minimum balance not met.
$100
Minimum to open
The same for every checking account.
1913
Chartered in Emporia
Family-owned for over 100 years.
$250K
FDIC insured
Per depositor, at least.
Compare accounts

Start with Traditional. Add more only if you want it.

Every account opens with $100 and comes with online and mobile banking, a Mastercard® debit card, and free access to LCSB ATMs. Traditional covers all of it with no monthly fee when you keep a $100 minimum balance.

Traditional

Most popular

Straightforward checking with nothing to keep track of — no monthly fee, no minimum-spend rules, and every tool you need included from day one.

$0* monthly maintenance fee
Minimum to open$100
Monthly maintenance$0*
Online & mobile bankingIncluded
Mastercard® debit cardIncluded
LCSB ATM accessFree
eStatements2Free
Digital wallets & card controlsIncluded
Open Traditional Checking

Want extras? Add BaZing

If you would rather trade a monthly fee for everyday savings and perks, our two BaZing accounts add local discounts, a health savings card, cell phone protection, roadside assistance, and more.

BaZing$7/mo · benefits included
BaZing Plus$10/mo · earns interest1
BaZing Plus fee waived ifDaily balance $5,000+
Minimum to open$100 either way
See BaZing Benefits
*Traditional Checking has no monthly maintenance fee when a $100 minimum balance is maintained; a $5 monthly maintenance fee applies if the $100 minimum balance is not met. 1For current rate and annual percentage yield, please contact a customer service representative. 2Enrollment required for eStatements; paper statements are available for an additional $3 per month.
Mastercard® debit card

Make purchases or get cash when you need it.

Your LCSB debit card is accepted worldwide and loaded with features — contactless payments, zero liability on unauthorized purchases, and Mastercard® ID Theft Protection™.

Contactless payments with Apple Pay®, Samsung Pay, and Google Pay™
Cash access at ATMs worldwide, free at LCSB ATMs
Extended warranty, satisfaction guarantee, and Airport Concierge™
Fraud monitoring 24 hours a day, 365 days a year
Explore debit card features

Card management in the app

Set spending limits, turn the card on and off, and create transaction alerts — complimentary with online and mobile banking.

Activate or set your PIN

Activate from Card Management in online or mobile banking, or call Bank by Phone at 620-343-6666. To set a PIN, call 888-891-2435.

Lost or stolen card

Business hours: 620-342-3523 or 1-877-448-5272
After hours: 1-888-297-3416
Credit cards: 1-800-325-3678
Digital banking

Bank from the couch, the truck, or the ballgame.

Online & Mobile Banking

Convenient, secure access from your smartphone or tablet whenever you need it.

Explore our services →

Bank by Phone

Check balances, confirm transactions, and manage cards by phone at 620-343-6666 or 1-844-397-8519.

Learn more →

Order Checks

Conveniently reorder checks for your checking account online.

Order your checks →

Security & Fraud Protection

Real-time transaction scoring and temporary account blocking help stop fraud before it costs you.

Learn more →
Open an Account $100 to open. $0 monthly fee with a $100 minimum balance.
Lyon County State Bank main bank at 902 Merchant Street, Emporia
Same Bank — Same Name

A family-owned community bank since 1913.

Lyon County State Bank was chartered on June 27, 1913 and first opened at 508 Commercial Street with Senator W. M. Price as president. The Sutherland family purchased the bank in October 1986, and for over 100 years LCSB has stayed a family-owned community bank with the same name.

Competitive products, personal service.
You bank with people who know your name and answer your call.
Invested in Emporia.
The Main Bank opened at 902 Merchant Street in 1975, with the Industrial Road branch following in 1979.
Read our history
Visit us

Two Emporia locations, one hometown bank.

Main Bank

902 Merchant Street
Emporia, KS 66801
620-342-3523 Hours & directions →

Industrial Branch

12th & Industrial
Emporia, KS 66801
620-342-3523 Hours & directions →
Mailing address: PO Box 488, Emporia, KS 66801 · Toll free 1-877-448-5272
Common questions
What do I need to open a checking account?

A government-issued photo ID, your Social Security number, and a $100 opening deposit. Stop by either Emporia location or contact us and we’ll get started.

Which account should I choose?

Most members start with Traditional: keep a $100 minimum balance and there is no monthly maintenance fee. Choose BaZing if you want the added benefits, or BaZing Plus if you keep a $5,000 daily balance and want to earn interest.

How do I avoid the paper statement fee?

Enroll in eStatements through online banking. Paper statements are available for an additional $3 per month on BaZing and Traditional checking.

How do I use my BaZing benefits?

Once your BaZing or BaZing Plus account is open, activate your benefits at bazing.com to browse local deals, use the health savings card, and register cell phone protection and ID Theft Aid.

Are my deposits insured?

Yes. Lyon County State Bank is a Member FDIC institution — each depositor is insured to at least $250,000, backed by the full faith and credit of the U.S. Government.

Optional upgrade · BaZing benefits

Want more than the basics? Add BaZing.

If you would rather trade a monthly fee for everyday savings, our BaZing and BaZing Plus accounts add these benefits at no extra cost beyond the maintenance fee.

Explore BaZing

Shop Local, Save Local1

Local discounts and national retailer deals on shopping, dining, travel, and more.

Health Savings Card

Save on prescriptions, eye exams, frames, lenses, and hearing services.

Cell Phone Protection2,3

Pay your cell phone bill from the account and we’ll cover repair or replacement up to $800 per claim, $1,600 per year.

Roadside Assistance

Available 24/7 and free to use, covering up to $80 in covered service charges.

ID Theft Aid2,3,4

Up to $2,500 reimbursement for covered restoration expenses, a restoration specialist working on your behalf, credit monitoring, quarterly credit reports, and dark web identity monitoring.

Buyer’s Protection & Extended Warranty2,3

Newly purchased items can be reimbursed or replaced if an accident or theft happens within 90 days of purchase.

$10,000 AD&D Coverage2

Accidental death and dismemberment coverage — peace of mind for the unexpected.

1Participating merchants on BaZing are not sponsors of the program, are subject to change without notice, may not be available in all regions, and may choose to limit deals.
2Subject to the terms and conditions detailed in the Guide to Benefits. 4Requires activation.
3Insurance products are: NOT A DEPOSIT, NOT FDIC-INSURED, NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY AND NOT GUARANTEED BY THE BANK.

Open Traditional Checking with the bank that stayed.

$100 to open, $0 monthly fee with a $100 minimum balance. Stop by 902 Merchant Street or call 620-342-3523.

Open an Account