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128-Bit SSL Encryption

Lakeland Bank utilizes the latest Secure Sockets Layer (SSL) technology which enables encryption of sensitive information over the internet and allows for website authentication. We are proud to offer certification through VeriSign®, a leader in Certificate Authority.

Access IDs and Passwords

Online Banking Access IDs and passwords should be treated as sensitive information. Lakeland Bank recommends that they be committed to memory or stored in a secure location. We also urge our customers to avoid using browser settings or automatic form software to remember Access IDs or passwords, and to change passwords regularly.

Lakeland Bank requires the following password characteristics:

must be at least seven (7) characters (both numbers and letters recommended)
are case-sensitive
cannot be the same as your Access ID

Authentication Image and Pass Phrase

Online Banking utilizes additional security during the login process called Multifactor Authentication. This added layer of security allows the user to identify the bank’s website before entering confidential information such as a password or account number.
Each user is assigned a unique and random image. In addition, the customer is prompted to enter a unique ‘pass phrase’ of their choosing. During each login, the image and phrase should be verified before entering a password.

Challenge Questions and Registering Your Computer

In addition to the Access ID and password, the bank verifies the user by identifying their computer. If desired, an internet “cookie” is stored on the customer’s computer(s) and is recognized by the bank. If the cookie cannot be recognized, the user is prompted to answer one of several challenge questions that they previously established. If these challenge questions are not answered correctly, access to the user’s online account is disabled.


Certain business transactions are categorized as higher risk and therefore require additional verification. Wire transfers, tax payments and ACH entries initiated online require a one-time password that is generated by small electronic device called a “Token”. About the size of keychain, a token provides a unique numeric sequence that changes every 30 seconds and provides the latest in technology to protect the online banking user.

Additional Safeguards for Businesses

Business owners can further protect their online access by placing additional restrictions on accounts, users and transfers, including:
Dual authority requirements
Time/day login restrictions
Maximum transfer amounts

Online Fraud, Phishing & Identity Theft

Protection against online fraud is the responsibility of both those providing the online service and the users who conduct transactions over the internet. Lakeland bank has taken extraordinary steps to protecting its customers’ personal and financial information, and we look to our customers to be diligent and wary of suspicious behaviors that are inconsistent with usual bank practices. Please visit Lakeland Bank’s Fraud page to become familiar with these and other criminal attempts to obtain confidential data, including check and phishing scams.