Common Questions


Call Us Today

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.

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:
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.

Why can’t I log in to online/mobile banking?

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.

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.

How do I change my address?

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.

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.

Can I transfer money to my Lake Area Bank account from a bank account I have at another bank?

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.

Do you have a person-to-person (P2P) payment system?

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.

Is there an easy way to switch my checking or savings accounts to Lake Area Bank?

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!

Can I deposit checks remotely?

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.

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.

How do I stop a payment?

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.


  • 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.

Can I bring change in to count?

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

My debit card expires soon. Will I need to contact the bank about getting a new card?

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.

How do I wire money to/from my Lake Area Bank account?

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.

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

Do you offer notary services?

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.

  • You are about to leave to visit our trusted partner site.

    We are providing this resource because we think you’ll find the information relevant to what you’re looking for. It is Lake Area Bank’s goal to provide you with reputable resources; however, because this website is not operated by Lake Area Bank, we are ultimately not responsible for the content. If you have any concerns about the site you’re visiting, we encourage you to read and evaluate the privacy and security policies of the site.

  • You are about to leave

    From time to time, we provide links to other websites for the use of our customers, which have been compiled from internal and external sources. By clicking “continue” below, you will be opening a new browser window and leaving our website. Although we have reviewed the website prior to creating the link, we are not responsible for the content of the site.