Commonly Asked Questions
The following is a list of frequently asked questions we receive at Lake Area Bank. If you have additional questions, please contact your local branch.
How do I sign up for e-Statements?
eStatements are an electronic version of your monthly bank statement and replaces your paper statements to reduce waste and clutter. You’ll enjoy faster statement delivery in a safe and secure format — and it’s all free! Once signed up, you will receive an email after each statement period notifying you that your eStatement is available. It’s that simple!
How to sign up for eStatements:
- Must be enrolled in Online Banking.
- Log in to Online Banking. If prompted to sign up for eStatements, accept and follow the instructions.
- Or, if not prompted, click on “Profile” within Online Banking and edit the “Electronic Statements” section.
Businesses please contact your Business Banker to sign up for eStatements.
Note: Users must have Adobe Reader to view eStatements.
Who do I contact if my debit card is lost or stolen, or there are fraudulent transactions?
If your card is lost, stolen or you have fraudulent transactions, please report it immediately. During branch hours, contact your local Lake Area Bank:
- Forest Lake: (651) 464-9001
- Hugo: (651) 407-3137
- Lindstrom: (651) 257-1117
- Stillwater: (651) 430-9500
- White Bear Lake: (651) 653-9619
After hours, contact 1-800-554-8769.
If I don’t have a debit card PIN number, or can’t remember it, who should I contact?
If you need to set up a PIN number, or change the PIN number on your debit card, please contact 1-800-567-3451. Debit card PIN numbers are needed for some point-of-sale terminals as well as to access ATM services and cash withdrawals.
What requirements/items do I need to open a checking account?
In order to complete the application process, a Lake Area Banker will need to see the following items:
1. Valid Primary ID:
- Drivers License
- Military ID
- Passport
- State ID Card
2. Proper address verification.
3. Lake Area Bank also requires all signers on the account to sign a signature card to complete the process.
If the primary account holder is a minor (under age 18) a secondary account holder over the age of 18 will need to be on the account. The secondary account holder, who is over the age of 18, will need to bring a current photo ID.
What requirements/items do I need to open a business account?
In order to complete the application process, here are some examples of what a Lake Area Banker will need to see at account opening:
- Articles of Incorporation
- Articles of Organization
- Corporate Resolution
- Partnership Agreements (if applicable)
- Certificate of Good Standing
Lake Area Bank also requires all signers on the account to sign a signature card to complete the process.
What is a routing number?
A routing number is a nine-digit number used by banks to identify specific financial institutions within the United States. This number proves that the bank is a federal- or state-chartered institution and that it maintains an account with the Federal Reserve. Your bank routing number is the first set of numbers printed on the bottom of your checks, on the left side.
Lake Area Bank’s routing number is: 091912521
Why do some of the checks I write go through my account as an ACH?
Some businesses choose to send your check through as an ACH instead of a paper document because it helps your check clear quicker.
How do I order or re-order checks?
Call or stop in to speak with a Lake Area Banker for assistance with check orders.
You can also now re-order your checks over the phone or on-line if there is no change to your last order. To re-order over the phone call 1-877-838-5287, click to Order Checks.
How am I billed for my checks?
The check order amount will come out of your account automatically. The debit will show up on your statement: LAKE AREA CK PRT FEE.
