The login for authorized users is whatever the primary business administrator set up. Talk to the primary business owner to get the login information.

You can reset your username or password at the link under the Online Banking sign in box. If you still need help, give us a call at 888.267.7200 or stop into  any branch.

If you tried to deposit a check and received an error message, it could be because:

• The check has folded or torn corners
• The front image is not legible
• The routing or account numbers are not clear
• The image is too dark or out of focus
• The amount entered does not match the amount on the check

The following types of checks cannot be processed using Mobile Deposit:

• Checks dated more than six months prior
• Checks that are not endorsed by you or a joint account owner
• Checks with blank payee lines
• Money orders and savings bonds
• Checks made payable to someone other than you or a joint account owner
• Checks made payable to Bearer or Cash
• Checks from a foreign institution or payable in foreign funds
• Suspected or known fraudulent checks
• Checks made payable to you AND a third party that is not on the account
• Previously submitted checks through this service or through another institution
• Checks returned as unpaid

Immediately after you submit your check images, you’ll get a confirmation number that you can email to yourself. When your deposit is processed, you’ll receive an email notification. Funds may take up to one business day to become available in your account.

We recommend that you keep your check in a safe place for at least 45 days after your Mobile Deposit. We ask that you do this in case there are any issues with the check or deposit. You can shred the check after this time.

Yes, please sign and write “For Mobile Deposit Only” on the back of your check. 

Mobile Deposit is available for all tablets, and your iPhone®, iPad®, iPod touch® or Android™ phone using the Lake Trust Credit Union Mobile App.

All Lake Trust members with an open checking or savings account in good standing are eligible to use Mobile Deposit. Remember to enroll in Online Banking before you download the Lake Trust Credit Union app, as you’ll set-up your login information in Online Banking.

Go to the Wallet app on your smartphone or tablet or download your preferred digital wallet app. Choose the option to add a new card and follow the on-screen instructions. After a few minutes, you should be ready to use your digital wallet. For help, check out how to add your debit or credit card to Apple Pay¹, Google Pay², Samsung Pay³.

Your physical debit and credit cards are still active after you add them to digital wallet. That means you can still use your debit and credit cards at any store. If you don’t plan on carrying your physical cards with you, however, make sure you secure them in a safe location (like a home safe).

If you lose your physical debit or credit card, give us a call at 888.267.7200 and we’ll deactivate your card. You can also shut off your card in the CardValet app. It’s a good idea to shut off your card as soon as you notice that it’s missing to prevent the potential of any unauthorized transactions.

You’ll need to use your Touch ID, Face ID, or enter a passcode before you make a purchase using your digital wallet. However, it’s still a good idea to turn off your card until you find your device. Give us a call at 888.267.7200 to let us know what happened. We can turn off your card to prevent potentially unauthorized transactions. You can also use the CardValet app to shut off your card if you have it installed on another device.

Digital wallet payments are accepted at thousands of stores worldwide, online, and within many apps. Look for the Apple Pay¹, Google Pay², or Samsung Pay³ symbol at the checkout terminal at your favorite store to see if they accept digital wallet payments. Open your digital wallet on your device and follow the instructions on the screen to make a payment.

Yes, you'll need to set up your credit card in your digital wallet again if your new card has a new card number.

Yes. The number of prize entries is based on the increase in your monthly balance. You'll receive ONE entry in the monthly prize drawing for every $25 increase in monthly balance in the account. The maximum number of entries per member per month is 100.

If you deposit $100 within the month and then withdraw it after the drawing, then you will not receive any entries for the following month. Any withdrawal (including the penalty) that exceeds the deposit for the month will disqualify you from the drawing. Your balance must go up by at least $25 to qualify for the drawing. For example, to receive an entry for the following month you will need to re-deposit the $100 plus an additional $25 to receive one entry in the drawing. There is only ONE withdrawal allowed during the term of the certificate (12 months) with a $25 penalty fee.

Drawings for monthly prizes will be conducted within fourteen days of the end of the month. For example, the drawing for July's entries will be held in August.

Winners will be notified by phone during the following month. For example, if you win July's monthly drawing, you'll be notified in August. The monthly cash prizes will be deposited to your savings account as interest and be listed as an Interest Adjustment.

You cannot win more than one prize in a month from the same monthly drawing. You can win from different drawings in the same month, you can win multiple months, and even consecutive months. All monthly prize winners are eligible for the grand prize drawing.

You'll receive a notice 30 days before your CD matures that explains your options. Unless you choose not to renew, we'll automatically reinvest your funds for the same term at the current interest rate. In either case, you have a 10-business day grace period after the maturity date to withdraw all or a portion of your money without penalty.

All credit card payments are due on the 4th of the month.

There are many ways you can make your consumer Lake Trust credit card payments in Online & Mobile Banking including:

 

1. Click “Credit Card” on your main accounts screen

2. Click “Pay,” find your credit card, then click “Make a Payment”

3. Select “Payments” then “Loan Payments & Skip A Pay menu.” Find your credit card and click “Make a Payment.”

Call the number on the back of your credit card (available 24/7) or follow the mailing instructions on your credit card statement.

Use your credit card number as the account number when making payments on your card.

Your E-Statements will be available for 12 months. You’ll need to log in to Online Banking to see your statements. If you need an older statement, give us a call at 888.267.7200 or stop by any branch.

• Consumer credit cards: Log in to Online or Mobile Banking. Locate your credit card on the main accounts screen. Choose "Rewards." 
• Business credit cards: Log in to Online or Mobile Banking and choose Credit Card Rewards from the Credit Cards menu to view your credit card redemption options.

You can cash in your points for cash back, gift cards, discounts on gas, or book travel and experiences with a live travel agent service.

You can dispute a transaction online by visiting the credit card site and choosing Transaction History. If a transaction is eligible for an online dispute, you will see Actions, then choose Dispute next to the information for that transaction.

You can also call 888.267.7200 to dispute a transaction. Follow the prompts on the phone for credit and then choose the option to dispute a transaction.

Yes, you'll need to set up your credit card in your digital wallet again if your new card has a new card number.

Call our international card number at 973.682.2652 for help with your credit card if you are outside of the United States. This service is available 24 hours a day, 7 days a week.