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.

There are a number of reasons you may not be able to log in to online banking or mobile banking.  These include:

• Inactivity. If you haven’t logged into your online banking or mobile banking account in the last 185 days, your account will be de-activated for security purposes. Please try re-enrolling using the “enroll” link found on the login screen.
• Locked Out Errors. Your account can lock out if you have entered incorrect information.  This can occur with a forgotten password (Error message 0010) or wrong Access ID (Error message 0011). 
  • Check that your CAPS lock isn’t turned on and retry.
  • If you’ve forgotten your password, you can click on the “forgot password” link on the login screen. This will automatically reset your password and send a confirmation to the email we have on file.
  • After three failed attempts at logging in, your online/mobile banking access will be locked and you will need to contact Lake Area Bank to reset.  This is for your safety to help prevent fraudulent attempts at accessing your private account information.
• Application Updates. Periodically, Lake Area Bank runs updates or patches for our online banking and mobile banking applications.  With ever-changing technology, updates are a necessity; however, we make every attempt to schedule these during our off-peak usage times (typically over night) when able.

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.

To change your address, you can either

1. Visit one of our branches during business hours to complete the change of address form in person.  We will also need to verify your identification at that time.
2. Call one of our branches and we will verify your identity over the phone then securely email the address change to electronically sign.

1. Valid Primary ID:

2. Proper address verification.

3. Lake Area Bank also requires all signers on the account to sign a signature card to complete the process.

Yes, you can transfer money to/from a Lake Area Bank account using our Transfer Now program within Online Banking.  Visit our Tutorials webpage for more information on Transfer Now.

Yes, we offer Popmoney within our online banking and mobile banking systems.  There is no fee to customers using Popmoney through our online banking and mobile banking platforms. Visit our Tutorials webpage for more information on Popmoney.

Have automatic payments and direct deposits set up with a checking or savings account at another bank? No problem! With ClickSWITCH, you can easily transfer your direct deposits and recurring payments to a Lake Area Bank checking or savings account in minutes.  Visit our ClickSWITCH page to learn more and get started!

Yes, Mobile Deposit is an easy and efficient way to remotely deposit checks using our Mobile Banking app.  For details about Mobile Deposit or Mobile Banking, please visit our Tutorials webpage.

Some businesses choose to send your check through as an ACH instead of a paper document because it helps your check clear quicker.

The check order amount will come out of your account automatically. The debit will show up on your statement: LAKE AREA CK PRT FEE.

Stopping payments is easy using Lake Area Bank’s online banking system.  Simply following these steps:

1. Once in online banking, select the account the check was written in.
2. Select “Stop Payment” from the menu.
3. Enter the check number, dollar amount, and payee of the check you’d like to stop.  Then, click “Preview Stop Payment”.
4. Preview the stop payment information and click “Submit” to complete the request.   Prior to submitting the request, you can also “edit” to edit the information, or “cancel” to discontinue without submitting the request.
5. A confirmation summary and number will be displayed. Document the confirmation number for your records or future bank reference.

Note:

• Stop payment fees apply. 
• Once a stop payment request is submitted, you will need to contact a Lake Area Banker if you wish to remove or change the stop payment request.

Yes, we offer coin counting services free to customers. Just bring change to any of our branch locations.

No need to order a new card. Expiring debit cards are automatically mailed around the middle of the expiring month. Your current/old card will work until the first of the following month.

Incoming Wires:

To wire funds into your Lake Area Bank account you will need to provide the following information to the sender:

Your name
Account number
Account Type

Lake Area Bank’s Information:

Lake Area Bank
12790 1st Ave N
PO Box 743
Lindstrom MN 55045
Phone (651)257-1117
ABA Routing Number: 091912521

Outgoing Wires:

To wire funds from your Lake Area Bank account, please stop by one of our branch locations to provide identification and complete the wire transfer form.

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

Yes, we provide free notary services for our customers at all branch locations. Please call your branch before coming to ensure our notary staff will be available.