Frequently Asked Questions

Updated November 18, 2020

Are Lake City Bank branches open?

Yes. Our branches are open and fully staffed. Beginning Wednesday, November 18, we will offer limited lobby service with full staffing and functionality. Most transactions can be conducted at our drive up windows. If you need to work with someone in person, please call the branch directly for an appointment and we will be happy to help you. Our branch locations, including lobby phone numbers, ATMs, video tellers and drive up availability are here. Our branch locator is also available on our mobile app.

Of course, you can access your accounts through our digital solutions—find information on how to enroll and use digital services.

Why are your branch offices returning to limited lobby access?

The COVID-19 crisis has significantly worsened throughout our Indiana footprint over the past two weeks. Returning to limited lobby access allows us to protect our employees and customers while providing full access to the banking services our customers rely on. We look forward to seeing you at the drive-up! If you need to see us face to face, simply call your branch to set up an appointment. We do require that you wear a mask to enter our buildings, and we’ll wear one too.

When will Lake City Bank branches reopen?

Since the beginning of the Coronavirus pandemic, our offices have been fully staffed and open, at times with limited face-to-face service. Based on the growing COVID-19 pandemic, on November 18 we returned to limited lobby service to protect our employees and customers. We will open our doors fully for service when we’re confident that we can provide a safe environment for all concerned, and we will follow appropriate social distancing and other guidelines as well.

Will I have to wear a mask to enter a branch? What about other precautions?

If you make an appointment to enter a branch, you’ll have to wear a mask, and we will wear masks as well. If you don’t have a mask, we’ll give you one. You’ll also need to sanitize your hands.

Will Lake City Bank stop monitoring the restricted withdrawal limit (6 per statement cycle) and fees for going over that limit on savings and money market accounts?

Yes. Effective immediately, and until further notice we’re suspending the restricted withdrawal limit (6 per statement cycle) and fees for going over that limit on all savings and money market accounts. Contact our One Call Center at (888) 522-2265 with questions.

Are my deposits covered by FDIC Insurance?

Since our founding 148 years ago, Lake City Bank has been a source of financial strength and stability for our depositors. By every regulatory definition, Lake City Bank is a well-capitalized commercial bank. Our total tier II risk based capital ratio of 14% is well in excess of the regulatory threshold of 10% for a well-capitalized bank, and represents a strong and significant capital position. You can find out more regarding deposit insurance coverage from the FDIC here. If you have any questions regarding your deposits at Lake City Bank, please contact your branch manager or our One Call Center at (888) 522-2265.

Can I still use ATMs?

Our ATMs are open 24/7. Find one nearby here. You can also find locations in our Mobile Banking app.

Can I access my account in other ways?

If you have not enrolled in Online Banking or Mobile Banking, it only takes a few minutes. Enroll now. Click here to enroll in online banking. From your mobile phone, click here to download the Lake City Bank mobile app or search “Lake City Bank” in your app marketplace. You must be enrolled in Lake City Bank online banking to enroll and sign in to the mobile app.

Business customers can enroll in Business Online and Business Mobile using the links on this page or search “Lake City Bank Business” in your app marketplace.

How can I tell if a branch or ATM is available?

Our branches are open, fully staffed. Beginning Wednesday, November 18, we will offer limited lobby service at all of our branches. Find locations and other specific branch information here and in our mobile app as needed. The locator shows branches, ATM locations, and locations where we have live video tellers where you can do just about any transaction that you can at a branch location.

• Individual branch hours are available on the branch locator listings. Beginning November 18, if you need in-person service, you can call the branch for an appointment and we’ll be happy to help you.
• ATMS are available 24/7, as are Online Banking and Mobile Banking.
• Our One Call Center hours are Monday through Friday from 7:00 am to 7:00 pm, Saturday 8:00 am to 5:00 pm, and Sunday 10:00 am to 4:00 pm.
• Video teller hours are Monday through Friday from 7:00 am to 7:00 pm and Saturday 8:00 am to 1:00 pm.

Can I access my safe deposit box/safe storage box?

Yes. Call your branch and arrange an appointment.

How are you keeping staff and customers safe from the virus?

All of us at Lake City Bank continue to work to minimize the effects of the coronavirus on individuals and on our operations. Since the situation continues to evolve rapidly, we are monitoring changes locally and at the national level and adjusting our protocols, like moving to limited lobby access. In addition, our employees who can work from home are doing so. Finally, we’re encouraging employees who do not feel well, particularly if they have coronavirus symptoms, to stay home.

How can I access my funds or make transactions if I am not feeling well and cannot visit the bank?

Your safety is important to us. We ask our customers who don’t feel well and need to complete a banking transaction to use the branch drive up or our digital solutions. If you need assistance with a transaction, we’re offering limited lobby service in our fully-staffed branches. Call your branch for an appointment if you need in-person help. You can find specific branch information here.

I’m not working because of the virus, can you help?

We want to help. If you’re experiencing financial difficulty, please contact your branch manager or call our One Call Center at (888) 522-2265.

I’m a business customer and my business has been affected by the virus. How can I contact the bank to discuss my circumstances?

Yes, we want to work with you. Please contact your Commercial Banking relationship manager or local office manager so we can discuss your situation.