Knowledge hub.
Find answers to your most common questions. All in one place. If you’d like to speak with someone, please call 888.267.7200 or contact us.
- Learning & Tools
- Knowledge Hub
Checks
What if I need to re-order checks?
If signed into Online Banking, find the option to re-order checks under Account Management.
If ordering online1, simply input the Lake Trust routing number, 272078268, your Lake Trust member number, account zip code, and choose whether you’re re-ordering checks for your personal or business account.
Online Banking
How do I sign up for Online Banking?
I am an authorized user on a business account. How do I log in to Online Banking?
How do I reset my Online Banking username or password if I forgot it?
Text Message Banking
What's the difference between texts alerts and Text Message Banking?
Text Message Banking is when you text a code and account information is sent to you in real time.
Once you’ve activated text banking, use these codes to get your account information:
- Text “TRANS” and a dollar amount to transfer money between accounts
- BAL: Primary account balance
- BAL ALL: All account balances
- BAL CHK: Balance of checking account
- BAL SVG: Balance of savings account
- LAST: See the last five transactions on your account
- STOP: Unsubscribe from service
- HELP: How to use service
How do I use Text Message Banking?
Once you’ve activated text banking, use these codes to get your account information:
- Text “TRANS” and a dollar amount to transfer money between accounts
- BAL: Primary account balance
- BAL ALL: All account balances
- BAL CHK: Balance of checking account
- BAL SVG: Balance of savings account
- LAST: See the last five transactions on your account
- STOP: Unsubscribe from service
- HELP: How to use service
Mobile Banking & Mobile Deposit
What's the difference between texts alerts and Text Message Banking?
How do I deposit a check with Mobile Deposit?
Why can't I deposit my check?
- 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
Are there checks that I can't deposit 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
How will I know when the check funds post to my account?
What do I do with my check after I use Mobile Deposit?
Do I need to sign the back of my check?
What types of devices support Mobile Deposit?
How do I know if I'm eligible to use Mobile Deposit?
Disabling Cookies for Online Banking
How do I disable cookies for Online Banking in Chrome?
- Go to the Browser Settings menu (the three-line button located at the top right of your screen)
- Click Settings
- At the bottom of the screen, select “Show advanced settings”
- Click “Content settings”, located under “Privacy”
- Under the “Cookies” option, choose either “Keep local data only until you quit your browser” or “Block sites from setting any data” depending on your preferences
- Check the box next to “Block third-party cookies and site data”
- Click “Manage exceptions…”
- In the box under Hostname pattern, type in the Online Banking login address (http://www.laketrustonline.org) and click Done
How do I disable cookies for Online Banking in Firefox?
- Go to the “Options” menu (the three-line button located at the top right of your screen under the red X) and select “Options”
- Click Privacy
- Under the “History” panel, change the Firefox drop down menu to “Use custom setting for history”
- Select “Exceptions”
- Type in the Online Banking login page address (http://www.laketrustonline.org) and click “Allow”. Then close the window.
- You should be back at the Privacy menu. Toward the bottom of the menu, change the setting under “Accept third-party cookies” to “Never”. Under that, change the “Keep until” option to I. Then close Firefox.
- Click “Settings”
- Uncheck the box next to “Cookies” and click “OK”
- Log in to Online Banking, verify your identity and then close Firefox
- Open Firefox and again log in to Online Banking.
E-Statements
How do I access my E-Statement?
How do I cancel my E-Statement?
How do I sign up to get E-Statement email notifications?
Which email are my E-Statements sent to?
How do I stop receiving paper statements in the mail?
Credit Score and Credit Report
What's a credit score?
What's on my credit report?
How do I get a copy of my credit report?
- Call 877.322.8228
- Get it online at www.annualcreditreport.com1
1Third party website. Lake Trust Credit Union is not responsible for the content, availability, security or compliance of any linked third party websites. In addition, the site's privacy policies may differ from those of Lake Trust.
How do I correct an error on my credit report?
Will shopping for different rates hurt my credit score?
IRA
Are there any tax advantages to having an IRA?
Can I have both a Traditional and a Roth IRA?
Do I have to make my entire IRA contribution at one time?
The above information is not intended as tax advice. Please consult a tax professional regarding your specific circumstances.
NCUA Coverage
Is Lake Trust federally insured?
What is the NCUA/NCUSIF?
The NCUSIF stands for the National Credit Union Share Insurance Fund, which is operated by the NCUA. Thanks to the NCUSIF, your funds are backed in full faith by the U.S. government up to $250,000 per person per membership at each institution. However, your coverage depends on your specific account ownership. Additional accounts, such as an IRA or trust account, can increase your coverage.
What accounts are covered?
What are my coverage limits?
For example, let’s say you had $15,000 in your savings account and $250,000 in your checking account for a total of $265,000. Up to $250,000 is covered in your accounts, which means that $15,000 is not covered. You may want to consider moving the excess funds in your savings and checking account to a new account, like an IRA or trust account, to ensure full coverage of all your funds.
You can learn more about your coverage limits using a Share Insurance Estimator calculator1 or on the NCUA website1.
How does coverage work for joint accounts?
You can learn more about your coverage limits using a Share Insurance Estimator calculator1 or on the NCUA website1.
Consumer Loans
What can I use as collateral for a secured loan?
If I don't have anything to use for collateral, can I borrow money?
Direct Deposit
How do I set up Direct Deposit?
- The Lake Trust routing number: 272078268
- Your account number as it appears on your statement or as it appears on documentation that you received when you opened your account.
- Your full legal name, as it appears on your account, must be used for Direct Deposit.
How do I set up Direct Deposit for government benefit checks?
Direct Payment
How do I cancel Direct Payment?
How do I have my Direct Payment withdrawn from a new or different account?
- Contact the biller directly
- Complete and submit a new enrollment form to authorize withdrawal of funds from the new account. Approval may take 30-60 days, just as it did when you first signed up.
- Keep the old account open or cancel the Direct Payment option until all companies have processed the new information
What do I do if I didn't authorize ABC Company to deduct from my account for a Direct Payment?
- Contact us at 888.267.7200 or stop into a branch.
- Sign a Written Statement of Unauthorized Debit
- Provide your name, account number, the date of the transaction, and amount of the unauthorized transaction
We’ll re-credit your account for the amount of the unauthorized transaction and charge it back to the originator.
Home Loans
How much does it cost to apply for a home loan?
What types of home loans are available through Mortgage Center? How can I learn more?
If you are unsure about what type of loan might be right for you, reach out to Lake Trust to learn more and make the right decision for your financial goals. Connect with us.
What is the difference between a Fixed Home Equity Loan or a Home Equity Line of Credit (HELOC)?
- Fixed Home Equity Loan allows you to borrow a lump sum paid back with regular payments over a set period. This loan could be used to pay off loan or credit card debt, make home improvements, refinance your existing mortgage, and more. You could even add escrow to your Fixed Home Equity if that meets your needs.
- Home Equity Line of Credit (HELOC) is a line of credit giving you access to your money when you want or need it instead of one lump sum. The funds will become available again as you pay down the balance. There is a 5-year draw period (which can be renewed upon re-evaluation) and your monthly payment is 2% of the outstanding principle balance. ($100 minimum) After the 5-year draw period, you can apply for a new draw period or continue with your payments until your balance is paid in full.
If you are unsure about what type of loan might be right for you, reach out to Lake Trust to learn more and make the right decision for your financial goals. Connect with us.
Debit Cards
What if my ATM or debit card is lost or stolen?
Are there any fees when I use my debit card for cash transactions?
How much cash can I withdraw at an ATM?
Does my debit card have a spending limit?
What does it mean when I use my debit card and the clerk asks, "debit or credit"?
When you use “credit”, it is a non-PIN transaction. Instead of providing your PIN, you’ll sign to verify the transaction. With a signature transaction, funds are held in your checking account at the time of purchase until the transaction posts to your account in one to three days excluding weekends and Federal holidays.
What if a purchase posts to my checking account that I didn't authorize?
What do I do if I suspect fraud on my Debit/Credit Card?
I'm traveling internationally and need help with my debit card. How can I get help?
ATM and Cash/Check Hold FAQs
Can I make deposits at ATMs with my Lake Trust debit or ATM card?
Can I deposit cash at an ATM?
Is there a hold on cash deposited at an ATM?
The hold for deposits made after 6 PM would start the following business day. If you need funds available in your account right away, find a Lake Trust ATM near you online.
Can checks be deposited at an ATM?
When I deposit a check at an ATM, how long before the funds are available in my account?
What happens if I deposit at an ATM after hours?
Deposits made after 6 PM on a Friday would be considered a weekend deposit. See the question below for information.
What happens if I make a deposit at an ATM on the weekend?
Deposits made on a weekend will be deposited the next business day. Typically, this is the following Monday. If there is a holiday on Monday, then the deposit would post on Tuesday. Any necessary two-day hold would start the next business day.
Cash deposited at a Lake Trust ATM would be available immediately and show up on your statement for the next business day.
Is a longer hold placed on larger checks?
What are my other check depositing options besides the ATM or branch?
Overdraft Solutions
What are my overdraft options?
Courtesy Pay. This is our discretionary standard overdraft solution that comes automatically with your checking account and covers checks and other transactions, such as automatic bill payments or ACH transactions. Fees apply. See fee schedule for more details.
Debit Card Coverage. This covers your everyday (one-time) debit card transactions. Fees apply. See fee schedule for more details. Call us or stop by a branch to opt-in for this service.
What is Debit Card Coverage?
How do I sign up for Debit Card Coverage?
How much does Debit Card Coverage cost?
I didn't opt in for Debit Card Coverage. Why was I charged an overdraft fee when I used my debit card?
Opting out of Debit Card Coverage means that we’ll decline everyday (one-time) transactions, like purchases at a store. Since you must give authorization to a merchant when setting up a recurring transaction, we cannot stop or decline the payment.
Contact the merchant to set up other payment arrangements, like using a credit card.
Why am I charged a non-sufficient funds (NSF) fee for my recurring debit card transactions whether or not I opt in for Debit Card Coverage?
If your account has insufficient funds when a recurring debit card transaction comes in, then your account will be charged an NSF fee regardless of if you opted in for Debit Card Coverage or not.
OPTING OUT of Debit Card Coverage means you do not want Lake Trust to pay your everyday (one-time) debit card transactions. These transactions will be declined at the merchant when making a purchase if you don’t have enough funds in your account.
How do you determine if I have enough funds in my account to cover the transaction?
What is the difference between actual (current) and available balance?
Your available balance is the actual balance (or current balance) minus any debit card purchases that have been authorized but not yet posted to your account.
The available and actual balances do not include any checks that you have written that have not cleared or posted to your account.
Example: You have a $100 actual balance. You make a $70 debit card purchase, which may put a hold on your account for the purchase amount; so, your available balance is now $30 ($100 - $70 debit card purchase) and your actual balance is still $100 ($70 debit card purchase was authorized, but not posted to your account). You then make a $30 debit card purchase using your PIN. PIN-based debit card purchases generally post to your account faster than a purchase without using your PIN.
Your available balance is now $0 ($100 - $70 debit card purchase - $30 PIN debit card purchase). But your actual balance may still be $100 (if it is the weekend) or it may now be $70 ($100 - $30 PIN debit card purchase). When the $70 debit card purchase posts to your account ($100 - $30 PIN debit card purchase - $70 debit card purchase), your actual balance and available balance are $0.
Are there any alternatives to Debit Card Coverage?
What's the fee for an Account Transfer to cover an overdraft?
What is Courtesy Pay?
How is Courtesy Pay different from Debit Card Coverage?
Will my transaction always be covered?
How much do Courtesy Pay and NSF fees cost?
As of March 3, 2025, the fees are as follows: There are no fees for transactions $10.00 and below; a $10.00 fee for transactions $10.01-$20.00; a $20.00 fee for transactions $20.01-$32.00; and a $32.00 fee for transactions $32.01 and over. In addition, you will not be charged more than five overdraft fees in one day.
See fees on our fee schedule.Is there a limit to how many Courtesy Pay or NSF fees I can be charged?
Yes, due to changes in our NSF fee policy updated March 3, 2025, you will not be charged more than five overdraft fees in one day.
Digital Wallet
Is digital wallet safe to use?
How do I add my cards to my digital wallet?
What do I do with my cards after I add them to digital wallet?
What if I lose my Lake Trust Debit Card or my Lake Trust Credit Card?
What if I lose my device with my digital wallet on it?
Where can I use my digital wallet?
If I had my credit card added on my digital wallet, do I have to enroll again after I get my new card?
Save to Win CD
What kinds of prizes can I win with a Save to Win CD?
Partnership Monthly Prizes: Winners will be randomly selected between all eligible account holders at all credit unions participating in the Save to Win program. A complete list of prizes and other information can be found on the www.savetowin.org1 website.
Lake Trust Credit Union Monthly Prizes: Winners will be randomly selected between all eligible account holders at Lake Trust.
- Two (2) $100 Cash Prizes
- Two (2) $50 Cash Prizes
- One (1) $25 Cash Prize
Can my deposits to a Save to Win be for any amount?
If I deposit $100, then withdraw the money within a short time, do I still get four chances to win prizes?
What day will the drawings for the monthly prizes be held?
When and how will I receive my monthly prize?
Can I win multiple prizes?
Certificate of Deposit (CD)
What if I pull all my funds into a CD and there's an emergency and I need some money?
- 3 to 23-month CD: 90-day interest penalty
- 24 to 72-month CD: 180-day interest penalty
What happens when my CD matures?
Credit Cards
How will the person who is joint on my account receive their new card?
When is my credit card payment due?
How do I make a credit card payment?
- Mobile Banking: Select “Credit Card” in the “More” menu
- Online Banking: Click on the credit card in your account list
- Bill Pay: Use your credit card number as the account number when making payments from a bill pay service. Use the address below to set it up.
- Call the number on the back of your credit card (available 24/7)
- By mail: Include your payment coupon and use the address below
Mailing address for Lake Trust Credit Card payments:
Lake Trust Credit Union
PO Box 2711
Omaha, NE 68103-2711.
I'm being asked for an account number to make my credit card payment, what number do I use?
How long will my credit card E-Statements be available?
If I have a Rewards credit card, how do I redeem credit card rewards points?
- For consumer credit cards: Log in to Online or Mobile Banking and choose the Credit Card Rewards from the Account Management menu to view your credit card redemption options.
- For 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.
How do I dispute a credit card transaction that I didn't make?
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.
If I added my credit card to my digital wallet, do I have to enroll again after I get a new card?
I'm traveling internationally, how do I get help with my credit card?
2Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries.
3Google Pay is a trademark of Google LLC.
4Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd.