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Personal Banking

At LifeSteps Bank & Trust, we're here to help you get more out of life. Whether you're choosing Checking or Savings, LifeSteps Bank & Trust makes it easy to manage your Banking.

Check out all of the different personal checking accounts and personal savings plans we offer at our convenient location.

Personal Accounts

  • Personal Checking
  • Checking Plus
  • Heroes Account
  • Christmas Club
  • Savings
  • Money Market Account
  • Certificates Of Deposit
  • Individual Retirement Accounts

Personal Checking

  • Minimum to open $100
  • Statement Fee (waived for E-statement customers)
  • Debit Card
  • Unlimited check writing
  • E-statements or image statements provided
  • Direct deposits accepted
  • Internet banking services

Golden Apple Checking

A bargain for customers 60 and over!
  • Minimum to open $100
  • Free Golden Apple checks
  • E-statements or image statements provided
  • Internet banking services
  • No monthly fee or per item charge
  • Unlimited check writing
  • Direct deposits accepted
  • 50% discount on safe deposit boxes (subject to availability)
  • Debit Card

Money Market Account

Combines checking account flexibility with premium interest rates! Ask any of our staff members for current rates and annual percentage yields (APY).
  • Minimum to open $100
  • Earn competitive money market rates on daily balances. Interest is paid monthly
  • Monthly statements are provided-e statements or image statement
  • Ask for complete details about account transfers made in person at the teller window.


Are a great way to save for a "rainy day".
  • Minimum to open $100
  • Accounts earn interest on balances of $100 or more and is paid quarterly
  • Quarterly statements are provided-e statements or image statement
  • Savings accounts are limited to six transfers in a thirty-day period. In-person withdrawals are not limited.

Christmas Club

Weekly deposits to your Christmas Club Account earn a competitive rate of interest and help with your holiday purchases. Minimum to open your account is $25.00. Checks are mailed in early November each year.

Certificates of Deposit

We offer certificates designed for every savings budget:
  • Minimum deposit required to purchase a Certificate of Deposit is $500
  • Maturities range from 6 months to 5 years (60 months)
  • Earn competitive market rates of interest and automatically renew
  • Interest can be paid monthly, quarterly, annually or at maturity
  • There is a penalty for early withdrawal.
For complete details on a specific time deposit or for current interest rate and annual percentage yields (APY), please speak with one of our Customer Service Representatives.

Individual Retirement Accounts

A great way for planning your retirement! An IRA may provide you with tax benefits needed during your income-producing years while establishing an additional “nest egg” for your golden years. Funds are invested in certificates of deposit, which are continually renewed at current competitive market rates during the life of your account. We will be happy to supply additional details, but you may want to consult with your tax advisor for complete tax benefits of an Individual Retirement Account.

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Business Banking

Committed to developing a successful partnership.

No matter what your needs might be, we have a checking account to meet them.