From the first ATM in the area to the early adoption of online banking, Lake City Bank has worked to deliver the right technology tools to its customers at the right time. When the Federal Reserve conducted a survey in 2012, only 21 percent of smartphone users had tried mobile banking. But interest was growing, and banks had to address the wants and needs of younger customers. In 2013, Lake City Bank introduced a mobile banking app.

Lake City Bank Mobile allowed customers to use their phones to do the banking tasks they were used to doing on their computers or at a branch. As the app became more robust, customers could check balances, make transfers, pay bills, pay people, deposit checks and find locations. Apps for business banking and wealth management, along with a feature called card controls that helped users manage debit cards, quickly followed.

Over time, the bank continued to add more features to its online and mobile banking offering until customer needs and technology advances called for a new solution.

Lake City Bank’s response to advancing technology has remained the same since day one: challenge accepted. In 2021, the bank launched Lake City Bank Digital. This next-generation platform combined all the bank’s online and mobile applications for personal and business users into a single solution that customers could access from any device.