Smart Account (NOW)

At Lake Shore Savings, a Smart Account (NOW Account) is one simple, worry free account. With Smart Account, you get:

Interest-Earning Checking!*

No Monthly Service Fee!
with direct deposit

Free Checks!**

Unlimited Check Writing!

Navigator Card, Our No-Annual-Fee ATM/Debit Card!***

Free Travelers Checks!

Free Direct Deposit!

No-Annual-Fee Visa Card!****

Free Online Banking with S.A.M.!

Installment Loan Discounts!
when utilizing automatic payment plan

Lake Shore Savings also offers optional Overdraft Protection to keep your account out of the red with savings account transfers or with a line of credit.

With your Lake Shore Savings Smart Account, you'll have access to ATM machines in many convenient locations throughout Chautauqua and Erie counties.

To open your Smart Account, simply visit any Lake Shore Savings branch! Our friendly and knowledgeable personnel will help set up your account, add Overdraft Protection, initiate Direct Deposit procedures and answer any questions you may have!

Current Rates

*Requires minimum monthly balance. **Applies to first order of 50 checks. ***Lake Shore Savings ATM cards or debit cards used at other banks or financial institutions may be subject to a service charge. No fee will be applied when used at any Lake Shore Savings branch or ATM. ****Subject to credit approval.