SUPPORT
The following are some frequently asked questions regarding Lake Community Bank‘s Online Banking that might assist you in accessing your account information. If you have a question that is not listed, please contact us.
Online Banking
Q: How will Lake Community Bank’s Online Banking benefit me?
A: Lake Community Bank is striving to make banking as easy and convenient as possible. Our Online banking product allows you to access your accounts, at your convenience, via the Online from any location, twenty-four hours a day, seven days a week. In addition, we are providing Lake Community Bank’s Online Banking at no charge. You may use Online banking to:
- Transfer funds between accounts
- Obtain balance information on accounts
- Review transactions on accounts
- Obtain interest information
- Make loan payments
- View personal checks
- Pay Bills
Q: How much does Lake Community Bank Online Banking cost?
A: Lake Community Bank’s Online Banking is FREE, fees may apply for bill payment services. We offer features such as transferring funds, checking balances as well as more advanced features such as viewing your check images on the spot. Business banking customers have the option for additional features, and these may incur a small service charge. Please contact a Lake Community Bank representative to learn more.
Q: How do I enroll for Lake Community Bank Online Banking?
A: To enroll for Lake Community Bank Online Banking:
- At the top of the "Home" page under "Online Banking Access" click on "First-Time User", you will be launched to "How do I Enroll for Lake Community Online Banking?"
- After reviewing the information, scroll to the bottom of the section and click on "click here to begin " this will launch you to Lake Community Bank's "First Time Login " page.
- Select the type of account you wish to access (Checking, Savings, Certificates, or Loans).
- At "Access ID”, enter the account number of the account type you have selected.
- At "Password”, enter the last four digits of your Social Security number.
- Click on "Submit"
- You will be launched to Lake Community Bank's Online banking site.
- Click here to begin.
Q: Is Lake Community Bank Online Banking secure?
A: Our Online Banking System uses industry standard technology including password-controlled entry, Secure Sockets Layer (SSL) protocol and 128-bit encryption; 128-bit encryption is the highest level of encryption currently available. Firewalls and filter routers act as security guards for your data passing back and forth to the computers. Lake Community Bank’s Online Banking will automatically lock out anyone if an incorrect User ID and Password is entered 3 consecutive times. If a user is locked out because they have exceeded the number of allowable password attempts, they must contact Lake Community Bank to reset their password. If, for 10 minutes, there is inactivity on any screen, you will be automatically logged off and launched back to a login screen and will be required to reenter your Access ID and Password.
Q: What is multi-factor authentication?
A: Multi-factor authentication is a new enhanced security feature that helps protect you while you access your accounts online. It allows our customers multiple methods to authenticate their identity for access to Online-based financial services. This increased level of security helps to prevent identity theft and unauthorized account use. For more information, please click here.
Q: What can I do to increase the security of the system?
A: Keep your password you establish confidential. Do not share it with anyone. Avoid choosing a password that can be easily guessed. Always remember to "Logoff" the Lake Community Bank Online Banking system if you will be away from your computer. If you believe that an unauthorized user has obtained your User ID and Password, contact Lake Community Bank immediately.
Q: Will Lake Community Bank ever request my login or pin number from me?
A: Lake Community Bank will NEVER, email, or request in any manner under any circumstance your login or pin number for verification or any other reason. If you should ever get a request for this information, do not answer it, and call Lake Community Bank immediately at 952-473-7347.
Q: Can I change my User ID?
A: No, your Access ID is assigned at the time your Online Banking account is setup. Once it is assigned, it cannot be changed. If you MUST have a different one, a new login will be created.
Q: Can I change my Password?
A: Yes, from the Lake Community Bank homepage, position your mouse over the "options" button, then select "change password". A "change password" screen will appear. Complete the requested information and click on "submit". You will receive a confirmation message: "password change successfully". Your password must be at least 6 characters long and contain at least one alpha character and at least one numeric. Your password is case sensitive.
Q: What if I forget my Password or get locked out?
A: Users have three tries to logon before their account is locked out. We do not have access to your Password after your initial login to Lake Community Bank's Online Banking. However, we can reset your password if you do not remember your password, or we can give you a new password and mail it to you. You can then change it to a password of your preference the next time you login. Give us a call at (952) 473-7347 and we will be happy to help you.
Q: What if I forget my Access ID?
A: We can look up your Access ID. Give us a call at (952) 473-7347. We will be happy to help you.
Q: What if I can not sign into Lake Community Bank's Online Banking?
A: Lake Community Bank periodically has to perform updates to the Online Banking system. These updates are usually transparent to the end user and are performed in the early morning hours between 12:00am and 3:00am. We do this to minimize customer inconvenience. Otherwise, Lake Community Bank's Online Banking should be available twenty-four hours a day, seven days a week. If you should experience problems signing into the system, please call us at (952) 473-7347.
Q: What if I get an error message?
A: If you receive an error message write down the message; then simply call us at (952) 473-7347 and we will work to resolve the problem as soon as possible.
Q: What accounts will I see?
A: All open accounts in which you have direct ownership are eligible for activation. If you close an account, it will no longer pull up the information.
Q: How do I view my checks online?
A: To view your checks online, simply log on to your online account. Choose the account you wish to view. You will notice the check number is underlined and in Blue text. Using your mouse, position the cursor over the check number and click. An image of your check, both front and back will appear. If you wish to print this screen, simply press the print icon on the top of your webpage.
Q: When are transactions available to view on Lake Community Bank Online Banking?
A: Transactions are available for view on the next business day following the posting of the item.
Q: What are the transaction cut-off times for Lake Community Bank Online Banking?
A: We only process transactions and update information on business days. Our business days are typically Monday through Friday. Transfers made after 4:00pm CST, will be processed on the next business day. Federal holidays are not included.
Q: How do I setup a one time or automatic transfer?
A: Login to your Lake Community Bank's Online Banking account, choose "Accounts" and "Transfer". Choose from the drop down boxes the accounts you wish to transfer from and to. Enter the amount of the transfer. Enter the first day you wish for the transfer to occur. Choose the schedule. For one-time transfers, choose "One Time Payment". For recurring transfers choose from "Weekly/ Every 2 Weeks/Monthly / etc. “
Q: How do I delete a one time transfer or recurring transfer?
A: Login to your Lake Community Bank's Online Banking account, position you mouse over the "Transfer" button. Choose transfer listing. You will see a list of your upcoming transfers. If you wish to cancel a transfer that has not yet occurred, simply click the select box on the left side of the page, and click on the “delete” button.
Bill Pay
Q: When will I be able to access BillPay-e Plus?
A: BillPay-e Plus is available 24 hours a day, 7 days a week through our Online banking website.
Q: What is my fee for using BillPay e Plus?
A: The first 15 items are free and $.40 per item thereafter. The fee for a Gift check is $2.99 and a Donation Check is $1.99.
Q: What number do I call for BillPay-e member service support?
A: Call toll free 1-866-558-0962.
Q: What are BillPay-e customer support hours of operation?
A: Monday through Friday from 6:30 AM – 10:00 PM CST. Live chat and Email are available 24 hours a day.
Q: Will payments be paid electronically or by check?
A: Over 90% of all bill payments will be sent electronically.
Q: May I pay bills from multiple accounts?
A: Yes, you may pay bills from any authorized Lake Community Bank deposit account.
Q: When will my payments be issued?
A: Your payments will be issued on the “PROCESS” date that you select.
Q: When will my account be debited?
A: Your account will be debited on the “PROCESS” date that you designate and remit to your payee.
Q: How long will it take for my payments to be received by the payee?
A: Electronic payments usually post within 48-72 hours. Checks may take 5-10 business days depending on the state of the destination.
Q: Does the BillPay-e Plus website contain any information to help me process my payments?
A: Yes. Each BillPay-e Plus function has a Frequently Asked Questions (“FAQ”) section to assist you in processing your payments. For detailed training information visit our online education and demo center.
Q: What if my browser is not compatible with BillPay-e Plus?
A: The BillPay-e Plus site has a prompt for you to run a browser compatibility check. If issues are identified, step by step instructions are provided to assist you. You may also call the customer support staff at 1-866-558-0962 Monday-Friday 6:30 AM to 10:00 PM CST.
Q: I have a pop-up blocker set up on my computer. Will this service create any issues when processing my bill payments?
A: The BillPay-e Plus application utilizes features and tools which call for a separate window to open. Disallowing pop-up windows to occur while using BillPay-e Plus may keep certain features from functioning properly. You may want to consider allowing pop-ups just for the BillPay-e Plus site.
Q: Will I be able to send Gift and Donation checks?
A: Yes, and you have the ability to send a personalized message on a Gift or Donation check.