Personal Banking

Whether you're managing day-to-day expenses, building savings, planning for the future, or preparing for life's unexpected moments, Lowry State Bank offers straightforward banking solutions backed by the personal service and hometown values you deserve.

 

Checking Accounts

Our checking accounts are built for the way you live, work, and manage your money every day.

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Core Checking

Simple, straightforward banking with no minimum balance requirements or monthly service charges.

  • $5.00 minimum opening deposit required
  • No minimum balance requirements
  • No monthly service charges
  • Debit card available
  • Free imaged eStatements
  • Mobile deposit available

NOW Checking

Earn interest on your balance while maintaining convenient access to your everyday funds.

  • Interest-bearing1
  • $800.00 minimum opening deposit required
  • Maintain a minimum $800 daily balance or a monthly average balance of $1,200 to avoid a $5.00 monthly service charge2
  • One free package of standard checks each year
  • Debit card available
  • Free imaged eStatements
  • Mobile deposit available
1) Rates are subject to change at any time. 2) Additional $5 monthly fee will be imposed if minimum balance requirements are not met. 

Meet Our Consumer Team

Whether you're opening your first account, building savings, or planning for the future, our team is ready to help you find solutions that fit your needs.

bitzankelsey

Kelsey Bitzan

Consumer Lender
(NMLS ID#1137804)
 Call  |  Email 

palanadam

Adam Palan

Residential & Consumer
Lender (NMLS #2037420)
Call  |  Email

Savings Accounts

Whether you're building a rainy-day fund, setting money aside for a major purchase, or saving for the future, we offer savings accounts designed to help you grow and protect what you've worked hard to earn.

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Personal Savings

A flexible savings account designed to help you build reserves and save toward future goals.

  • $5.00 minimum opening deposit required
  • No minimum balance requirements
  •  Interest is compounded daily and credited quarterly1
  • Free quarterly imaged eStatement
  • Utilize an ICS or CDARs account for balances that exceed FDIC insurance limits

Money Market

Earn higher interest on larger balances while maintaining convenient access to your funds.

  • $2,500.00 minimum opening deposit required
  • If daily balance falls below $2,500.00, rate changes to Personal Savings rate
  • Interest is compounded and credited monthly1
  • Higher interest rates paid for balances over $10,000, $50,000, $100,000, and $200,000
  • Free monthly imaged eStatement
  • Checks available for purchase
  • Utilize an ICS or CDARs account for balances that exceed FDIC insurance limits
1) Rates are subject to change at any time.
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Looking for Current Interest Rates?

We offer competitive rates on savings accounts, money markets, certificates of deposit, IRAs, and other personal banking products. Contact a Personal Banker for current rates and account details.

Long-Term Savings & Retirement Solutions

Looking beyond everyday banking? We offer solutions designed to help you save for major goals, prepare for retirement, and make the most of your long-term financial plans.

  • Looking for predictable growth? Certificates of Deposit (CDs) offer fixed terms and competitive returns to help you save with confidence.

    CD Options:

    • $500.00 minimum opening deposit required
    • Time deposits with terms from 7 days to 5 years
    • Tiered interest rates available
    • Interest compounded quarterly
    • Penalty imposed for early withdrawal

    Looking for rates? Contact a Personal Banker to discuss a customized rate today! 

    Try our CD Calculator >>

  • Planning for retirement? We can help.  Whether you're opening a new IRA, rolling over a retirement account, or setting up a retirement plan for your business, we'll help you find the right solution.

    For Individuals
    • Traditional IRA
    • Roth IRA
    • Variable Rate IRA
    • Fixed Rate IRA (CD IRA)

    For Businesses
    • SIMPLE IRA
    • SIMPLE Roth IRA
    • SEP IRA
    • SEP Roth IRA
    • Profit Sharing Plans


    Contact us to open an account, transfer an existing IRA, or complete a retirement account rollover.

     

    Maximum Annual Contributions
    Under 50: $7,500 in 2026
    Over 50: $8,600 in 2026

    Try our Savings Calculators >>

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ICS & CDARS: Added Protection for Larger Deposits

Keep more of your savings protected while continuing to bank locally. If you maintain deposit balances that exceed standard FDIC insurance limits, Insured Cash Sweep® (ICS) and CDARS® can provide access to multi-million-dollar FDIC insurance coverage while allowing you to work with a single trusted banking relationship.

ICS helps protect larger balances held in money market accounts while keeping your funds readily accessible. CDARS provides similar FDIC protection for larger Certificate of Deposit (CD) balances, allowing you to earn competitive fixed rates without the need to open accounts at multiple financial institutions.

Benefits:

  • Access to multi-million-dollar FDIC insurance coverage
  • Keep one banking relationship with a local community bank
  • Receive one consolidated statement
  • Maintain convenient access to your accounts
  • Earn competitive interest rates
  • Avoid the hassle of managing accounts at multiple banks
  • No additional service fee

Whether you've sold a business or farm, received an inheritance, are managing retirement savings, or simply maintain larger deposit balances, ICS and CDARS can help provide additional protection while keeping your finances easy to manage.

Interested in learning more? Contact our team to discuss whether ICS or CDARS is right for you.

Need Help Choosing the Right Account?

Whether you're opening your first account, switching banks, building savings, or planning for the future, our Personal Banking team can help you compare options and find the solution that fits your goals.

Talk With Our Team >>

Frequently Asked Questions about Personal Accounts

  • As a locally owned, family-owned bank, we're committed to building relationships that last. Since 1899, we've helped customers achieve their financial goals while reinvesting deposits into the families, businesses, farms, and communities we serve.
  • Switching banks can take a little effort, but our dedicated team is here to make the process as simple as possible. We'll guide you through every step, including updating direct deposits and automatic payments. We're always happy to answer questions, and customers always tell us the switch was well worth it.

  • The best account depends on your banking habits, balance preferences, and whether you're interested in earning interest or additional benefits.

  • Money market accounts may offer higher interest rates for customers who maintain larger balances, while savings accounts provide flexibility for everyday saving.

  • Yes. Eligible deposits are FDIC insured up to applicable limits.

  • Yes. Many personal banking accounts can be opened through our secure online application.

  • Yes. While we're located in Lowry, MN, we proudly serve customers wherever life takes them through convenient digital banking services and personalized support.
  • Yes. Customers can access online banking, mobile banking, mobile deposit, eStatements, budgeting tools, and more.

  • To reorder checks, visit Main Street Check's reorder portal >>

    If this is a first-time order, or changes need to be made to your checks, you will need to contact us.