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Lakeland Bank
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Our History

Supporting Businesses. Supporting People.

Lakeland Bank was founded in 1969 by Bob Nicholson, John Fredericks and Bruce Bohuny—three local businessmen who recognized the need for a local bank that could conveniently service the area and support the community. Their combined vision has not only served the banking needs of the community, but has also served all of us who have worked at the Bank, all of the Bank’s shareholders and many community service initiatives that help support and build healthy, vibrant neighborhoods. We sincerely thank them for the foundation upon which we have built one of the best and most respected banks in our marketplace.

Daniel Leary

Senior Vice President / Business Banking Manager

As an architect, many of my clients inquire about commercial lending. Referring commercial clients to Dan Leary at Lakeland Bank has been mutually beneficial ensuring projects I design become a reality. His guidance throughout the lending process is very hands on and makes myself and my clients feel confident we can complete any project. Also, during these unpredictable times, Dan went above and beyond to ensure my small business was successful at securing funds through the PPP program.- Christopher M. Wolverton, AIA, LEED AP, HQW Architects

Daniel Leary is Senior Vice President, Business Banking Manager based out of Lakeland Bank’s headquarters in Oak Ridge, NJ. With over 20 years of banking experience, Dan has amassed a wealth of expertise in the areas of Small Business Lending, Business Banking, Cash Management, and Financial Services. In his current role, Dan leads an elite team of Business Banking Officers. This team of experienced professionals is dedicated to partnering with business owners to provide guidance, offer solutions, and ultimately help grow their business. Dan serves as a Board Member and Treasurer for Pass it Along, a nonprofit organization committed to helping teenagers become confident, resilient and compassionate through volunteerism, leadership and self-discovery. As the parent of three teenagers, Pass it Along’s mission is near and dear to his heart. During these uncertain times, small business banking services have become more important than ever. Dan is committed to offering several safe and secure options to meet with and serve clients.

973-647-7371
DLeary at lakelandbank dot com

250 Oak Ridge Road
Oak Ridge, NJ 07438

Schedule an Appointment

- In 1969, our founders founded this company based on the philosophy that success is based on doing business fairly, clearly and honestly. And 50 years later, we are still being commended for that founding foundation.

- In the 1960s, In Oak Ridge, Newfoundland there was no bank.

- I'm in the propane business with thousands of local customers. John Fredericks was in the fuel oil business who, again, thousands of local customers. And we all needed a bank.

- So we tried to get these banks to open branches in the Newfoundland, Milton, Oak Ridge area. And we could not get a bank in the Oak Ridge, Milton area because there were already banks in those municipalities. So the bank at Butler said to me, the only way you folks are gonna get a bank, young man, is to start your own.

- Now we're gonna start a bank. How do you do that? We all started to experiment and do research.

- Bob and I and Bruce Bohuny drove to Trenton. We probably made eight or 10 trips to the banking department to get a charter. Their Deputy Commissioner there recognized that we were young guys who wanted genuinely to have a bank in the community. And we're not forming this bank just to sell it out to someone else. So he said, you do exactly what I tell you do, step by step, and we'll get you the charter. The commissioner said that we could not have a private family bank. It had to be a public entity. We had 500 share holders, now in that area who own their own bank. And we thought that was really cool. We brought on Ed Steadman, who had a history of starting small community banks. Ed Steadman really taught me the banking business. We started in a trailer on route 23 in Newfoundland with a million dollars.

- If we were gonna build a building, it would take a minimum of a year. So we had some foresight. And one of the directors, Bob Deboe and myself, went to Pennsylvania and we heard there was a manufacturer that just made bank trailers.

- I've been a customer since the original trailer was here. Got the ad in the mailbox about the opening of Lakeland Bank and enjoyed it ever since.

- [Bob] Our trailer had a drive in window. Now we knew that drive in windows were not really used by the local banks. So we were really very capable of handling things in a trailer. We built a new building there about two years later. And then hooked the trailer to a truck and dragged it over to Hewitt and put a bank in there. We built that and then with the trailer we hauled it down to Wanaque, and did the same thing. Then we gave up the trailer and decided we don't need a trailer anymore, we'll just put these things up.

- I couldn't believe it when Karen Sabyan called me and said one of the original customers. And I said, well I guess that's true because we were around when the bank started.

- 50 years of Lakeland Bank means that they are here and they will be here to service the community needs and to know that we can always count on Lakeland Bank, that they will be our neighbor, our friend and our trusted partner.

- To be a customer for over 50 years. That's a long time. Impressive.

- I felt we needed good will ambassadors in each community to ask them to help us get new business. Tell us when there's new construction. Also to inform the board or the officer when we're lacking in some type of service. And it has been an extremely successful in allowing us to have a local image in keeping track of that community. We felt that the people want to do their banking on Saturdays when they're off from work.

- And none of the banks, anywhere in North Jersey has Saturday banking.

- We opened up Saturday morning and we were very successful.

- So this was a big innovation.

- And now they're all open Saturdays because Lakeland set the precedent.

- I recently helped a long time customer, I assisted her with her stock. And she told me she was an original stock holder, she received the offering in the mail. And she wanted to do it, and her husband told her oh, you're crazy. And she said no, she said I went to school with Bob Nicholson and John Fredericks, and I believe in them, and this is gonna be a good thing.

- We've paid out regular quarterly cash dividend all of those years. And the local people who had never owned or even thought of owning bank stock really made a lot more money than they thought they ever would.

- Her stock is worth over $100,000 today.

- The partner ship with Lakeland Bank has been very successful and that's because we believe that Lakeland Bank approaches their community from a sense of humanity.

- Lakeland is a very generous company. They are involved in many non-profit organizations.

- One of our core values is giving back to the communities we serve. And we thinks that's critically important. It's something we've done from the beginning of time, since 1969, and well continue to do as long as I'm in the seat.

- The partnership that we have with Lakeland Bank is unique because we are both very committed to our community. The community that we serve. We live, we work in this community. We serve people in our community, and we give back to our community. The people of Lakeland Bank, the employees, they've all embraced our mission and we are very, very grateful for all of their help along the way.

- The thing is, the way they opened another office was to offer incentive and a prize for the first hundred people. So that particular prize and reward makes a line of a hundred before you open up. I said there's a captive audience.

- 50 years is a long time and it's a point of stability in the community. A company that can last 50 years is stellar in our opinion.

- When I started with the bank we were Lakeland State Bank and then in 1997 we changed our name to Lakeland Bank.

- We put the name Lakeland State Bank in the beginning because most of our competitors were national banks. But after some years we thought it would be more modern to just drop the state and call it Lakeland Bank.

- Roger Bosma came from a much larger bank and brought expertise that we did not have as a small community bank. And really changed the shape, the style, and the manner of operating the bank virtuously, because the bank needed it at that time.

- For Lakeland Bank to be listed on NASDAQ in 1999, it was a very, very exciting day for myself and our fellow board members. We went into Manhattan, we had our photographs taken and our individual photographs, as well as group photos were posted on Times Square. So it was a big day.

- Tom Shara brought us to another new level that which you see the bank today.

- We're building a franchise that has standing power that's going to be around for a long time. And as we come out of our 50th year, it gives the infrastructure and the strength to continue for hopefully another 50 years.

- The most important aspect of Lakeland Bank to us is the customer service.

- I can walk into a branch, and our local branch, and the tellers give me the same service that the senior executives give me. And it really makes the community member or the organization have easy access. And easy access is what it's all about.

- It was really refreshing to come to a small bank that knew your name. And made good coffee by the way.

- I have to say that we've always had wonderful employees. We were fortunate to bring in the right people.

- I think I had an advantage, because my husband and I had a construction and a building business. So I was in a male dominated career before I came into the all male board room at Lakeland Bank.

- And she's just a person with a personality, with an education, and she became very proud of becoming a director. And she fit Lakeland Bank like a glove.

- And I have to say that I was accepted into the board room and treated as an equal right from the beginning, and it's been a great experience.

- Sparta is a total change in the branching environment. There's a lot of digital aspects here. So what we've done is we've really worked on the ways we can deliver to the customer, the things that they need with the tools that they're using themselves, whether it be mobile phone, iPad, online banking, or in the branch.

- Being selected twice in a three year period as Forbes top 50 most trustworthy financial institutions in the United States. That's pretty darn impressive. There's a lot of banks, there's a lot of financial institutions. And to be recognized not once, but twice in a three year period. That was very, very satisfying.

- And it instilled tremendous confidence, and still does, in our company and for our customers, our employees, and our shareholders.

- [Karen] When I started we had eight branches. We now have over 50 branches. So the bank has tremendously grown.

- In the 11 years that I've been here we've seen our growth from a asset perspective go from 2.5 billion to nearly 6.5 billion, which is just incredible.

- I don't think out mission statement, I don't think the legacy, I don't think my personal desires have changed at all. It's to serve the community, to serve the population, to serve small business people, to serve the charities.

- 50 years of Lakeland Bank to me means consistency of purpose.

- I think the legacy of Lakeland Bank will continue to be providing excellent customer service and being a hometown bank.

- Continue to grow our franchise, continue to be one of the largest community banks in the state of New Jersey.

- Seeing legacy employees and partnership employees coming in in, working uniformly as team members. Seeing younger employees fulfilling their goals professionally, and from a career stand point. That stuff is really good.

- I don't know what to predict. But I can tell you that if what I would like to foresee, that I would like to see this kept as a community bank.

- And I hope that never changes.

Business Banking Services

As one of New Jersey’s Best-In-State Banks, we’re committed to you which means your business is our business. Our personalized service from a team of local experts dedicated to your success is what sets us apart. Discover our suite of comprehensive banking services for all of your business needs to help your business thrive.

Business Loans & Lines Of Credit

As you position your business to expand, use Lakeland Bank’s lending solutions to take your business to the next level.

View Details - Business Loans & Lines Of Credit

Business Deposit Products

Help your deposits and savings work for your company around the clock. No matter what your business needs, we offer a variety of business checking and savings products that work for you.

View Details - Business Deposit Products

Treasury Management Solutions

Our assortment of treasury management solutions can simplify processes and leave you with more time to focus on what matters most.

View Details - Treasury Management Solutions

Merchant Services

Streamline all customer debit and credit card payments, in one place. Let us process your transactions while you enjoy faster access to your money; local banking convenience; 24/7 service, and increased efficiency.

View Details - Merchant Services

Digital Banking Services

Since running to the bank doesn’t always fit into your packed schedule, our digital banking services such as Online Banking, ACH Origination and Bill Pay let you run your business whenever and wherever you want.

View Details - Digital Banking Services

Wealth Management Services

Developing a successful investment strategy requires planning and collaboration with a financial advisor that understands your unique needs and goals. We can help!

View Details - Wealth Management Services

Business Resources

Explore our tips, tutorials and articles to help you start, manage and grow your business.

Video Tutorials

  • Watch Our eTreasury Business Video
  • Watch Our eTreasury Commercial Video
  • Interactive Video Player

View More Tutorials

Business Blogs

10 Reasons Why a Financial Advisor is Good for Your Business

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- March 22, 2021

PPP Loan Forgiveness and Taxes

The Paycheck Protection Program (PPP) is a Small Business Administration (SBA) guaranteed loan program that was created under the CARES Act, and extended under the Economic Aid Act, to assist small bu...

Read ArticlePPP Loan Forgiveness and Taxes

February 19, 2021

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- February 19, 2021

How to Help Your Employees Save for Retirement

As an employer, you have an opportunity to make a difference in the financial well-being of your workforce by offering the tools and resources they need to be economically secure both now and in the f...

Read ArticleHow to Help Your Employees Save for Retirement

February 12, 2021

How to Help Your Employees Save for Retirement - February 12, 2021

How to Help Your Employees Save for Retirement

- February 12, 2021

Tips to Build a Business Plan for 2021 in the Face of Uncertainty

Over the course of 2020, nearly every aspect of daily life has been affected by the unprecedented COVID-19 pandemic. The economy took a tumble earlier this year and while there has been some positive ...

Read ArticleTips to Build a Business Plan for 2021 in the Face of Uncertainty

November 24, 2020

Tips to Build a Business Plan for 2021 in the Face of Uncertainty - November 24, 2020

Tips to Build a Business Plan for 2021 in the Face of Uncertainty

- November 24, 2020

6 Ways Your Small Business Can Give Back

This year has been exceptionally difficult and the thought of giving back might seem nearly impossible for your business during a time when getting by may not be so simple. But there are ways to give ...

Read Article6 Ways Your Small Business Can Give Back

November 23, 2020

6 Ways Your Small Business Can Give Back - November 23, 2020

6 Ways Your Small Business Can Give Back

- November 23, 2020

Our Customers Say It Best!

"Our success story could not have been written without Lakeland Bank. They’ve helped us with loans and day-to-day banking needs. I would encourage anybody to bank with Lakeland."

- Elite Divers

"I would recommend Lakeland Bank to help you meet your personal & business banking needs."

- The Iron Horse Restaurant

"One of the nicest things is that the staff greets me by name - that's important to me."

- KJB Fireplaces
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    "My name's Jeff Almeyda, I'm the President of Master Metal Finishers. Back in 2007 was when we first started with Lakeland Bank. With the money from an SBA loan from Lakeland Bank, we were able to put in a new processing line which will not only enable us to put more jobs in the area, but enable us to expand into new markets we've never had before. The SBA application process was simple."

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    Elite Divers, since 1987 has provided the local dive community a great place to participate in world-class adventure travel. The services we take advantage of at Lakeland Bank are checking and savings. They have a wonderful online banking system. I would encourage anybody to use Lakeland Bank. They are a godsend to the Morris County area for sure.

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    My name is Ken. I own and operate KJB Fireplaces in Ramsey, New Jersey. My wife Catherine does the books here. She’s the bookkeeper and the accountant. She uses Lakeland Bank for all the online banking and the previous online banking she was using was often not accurate, mistakes were made. The relationship I have with Lakeland Bank, where I walk in and people know my name, is a similar relationship to the relationship I try to have with my customers.

View More Testimonials

Questions?

Contact me today or schedule a virtual appointment by completing the short form below.

973-647-7371
DLeary at lakelandbank dot com

250 Oak Ridge Road
Oak Ridge, NJ 07438

FAQs

  1. No. You may need to present identification to the merchant, however, no other personal banking information, such as your PIN or account balance, can be accessed by merchants.

  2. Every day, more merchants and ATMs are becoming chip-enabled to increase security for in-person card trans­actions, so you will start to see these terminals and ATMs at many of the stores and financial institutions you visit today. You will continue to be able to pay at both chip-enabled and non-chip-enabled merchants and ATMs with the same card.

  3. Yes. Chip cards are widely used in international markets and are accepted in more than 80 countries. Having a chip card will make it easier for you to make purchases and complete ATM transactions when you travel internationally.

  4. At an ATM, begin the transaction as you normally would and follow the prompts. A chip-enabled ATM will guide you through the transaction. Depending on the type of ATM, your experience may differ slightly.

  5. Literally translated, it stands for Europay, MasterCard and Visa. It basically implies a global standard for accepting payment cards. EMV is currently used in more than 80 countries.

  6. Yes, this is a convenient way to withdraw cash from your checking account when shopping, with no need to make a special trip to the ATM. Simply inquire if you can get cash back before the cashier calculates your purchase total. Many merchants will be happy to honor your request  where the service is available.

  7. Chip card transactions offer you advanced security in-store and at the ATM by making every transaction unique.The chip generates a distinct, one-time code each time you use your card at a chip-enabled terminal. Your chip card is more difficult to counterfeit or copy which means attempts by a fraudster to create and use counterfeit cards will be much harder.

  8. Yes. Since the money for your purchases comes directly from your checking account, there are no interest charges.

  9. It’s a debit card that gives you all the benefits of an ATM card, plus this added bonus: You can use it to make purchases anywhere MasterMoney is accepted. Just present your card, sign the receipt, and the purchase amount will be deducted from your checking account.

  10. Your debit card gives you 24 hour banking convenience. Simply use your card to make deposits or withdrawals, check balances, or transfer funds between accounts.

  11. Chip enabled terminals have the same features you are used to today with the addition of a slot at the bottom of the payment terminal.

  12. During business hours, you may contact our Customer Service department or any branch to report a lost or stolen card. After business hours, please call 800-554-8969.

  13. A PIN is the numeric code you enter to enable a transaction at an ATM or point­ of­ sale terminal.  Safeguard your PIN by memorizing it and not disclosing it to anyone. Do not write your PIN  number on a piece of paper in your wallet where you carry your debit card.

  14. Absolutely! Use your debit card to pay for purchases and shop with confidence knowing that Lakeland Bank protects your account. Whether you’re shopping on the Internet, by phone, or in person, you’ll have zero liability for unauthorized signature purchases …and carrying your card is much safer than carrying a lot of cash. What should I do if my card becomes lost or stolen? To report a lost or stolen debit card during regular business hours contact our Customer Service Department at 866-224-1379 or contact your local branch. For after hours emergency support call 800-554-8969.

  15. Contact your employer to set up direct deposit. You will need Lakeland Bank’s Routing Number (021205376), your Lakeland Bank account number, and our mailing address: 250 Oak Ridge Road, Oak Ridge NJ 07438

  16. Yes. Your chip card will also have the usual magnetic stripe on the back so you can continue using your card at ATMs and merchant terminals while merchants in the United States are transitioning to new terminals.

  17. Templates are used to access different funds transfers through the online banking system. By default, a template is created for Internal Transfers (from one Lakeland Bank account to another under the same title/ownership). Using this template, a user may select the “from” and “to” account, as well as the amount and transfer date.

    Additional templates may be created for routinely performed transfers (e.g. “Payroll Transfer” - from the general account to the payroll account) to increase efficiency and reduce data entry errors.

    Wire Transfer and Tax Payment Templates can also be added.

  18. Step 1: Insert your chip card into the ATM or the merchant’s chip-enabled terminal, following the instructions on the terminal.  It is important to leave the card in the terminal until your transaction is complete.  If you remove your card too soon, the transaction will end and your purchase will not be processed.   

    Step 2: The ATM will require that you enter your PIN, as you do today.  The merchant terminal may require you to input your PIN or sign your sales receipt to complete your purchase.   

    Step 3: When your transaction is complete, it is important to remember to remove your card. You may hear a series of beeps to alert you to remove your card.

  19. Lakeland Bank’s Chip Card is currently black with a faint pin stripe. See image below:

    Add Image

     

  20. A wide variety of transactions can be accomplished using Lakeland Bank’s telephone banking system. Learn More about a complete list of functions.

  21. Chip-enabled ATMs have all of the features you are used to. You likely won’t notice any physical difference between a magnetic stripe ATM and a chip-enabled ATM.

  22. Your debit card can get you out of checkout lines fast because you won’t have to wait for check  approvals. And every purchase will be listed on your monthly checking account statement, which can simplify your record keeping.

  23. After you have activated your new chip-enabled debit card, you will no longer be able to use your old debit card.

    It is highly recommended that you either shred or cut up your old card.

  24. During the transition to chip, you can swipe your card as you normally would and follow the prompts. If the termi­nal is chip-enabled, it will prompt you to insert your card. If you already know your chip card works there, start by inserting your card.

  25. To add a signer to your account, both signers must visit a Lakeland Bank branch to update account records and signature cards.

    To remove a signer from a joint account, you will need to close your joint account and open a new account. You will need to visit a Lakeland Bank branch to complete the necessary signature cards.

  26. Yes. From Internet and phone charges to health club dues more and more service providers are offering the convenience of automatic bill payments using your debit card. It ensures that your recurring bills are paid on time without the hassles of writing checks every month. And there are no interest charges since your payments are automatically deducted from your checking account. To set up recurring bill payments, simply contact providers that send you bills on a regular basis and ask if they can bill your debit card. What other bill pay options are available? You may pay your bills using your debit card at the biller’s website. Just log onto a biller’s website, enter your debit card number, enter the amount of the bill and that’s it! You do not enter your PIN. This is referred to as a PINless payment. Utility, cable, and insurance payments are a few examples of how Pinless payments help you manage your finances the quick and easy way.

  27. Access to the Business Online Bill Pay system is available using the 'Bill Payments' link under Management Tools > Funds Management menu in the Business Online Banking system.

  28. The Online Banking system provides one-step export to your favorite financial management software, including Quicken©, QuickBooks© and spreadsheet applications such as Excel©. To download transactions into your software application, choose ‘Export’ on the Transaction menu from the account you want to download. Choose the desired statement cycle (e.g. ‘Previous Statement’), then select ‘Intuit Quicken (.QFX)’, ‘Intuit QuickBooks (.QBO)’, or ‘Comma Delimited (.CSV)’ export format and click the Export button. When prompted with the download requestor, click “Open” to load the transactions directly into your financial management software.

  29. The following processing deadlines are in place for Business Online Banking transactions:

    Transfers/Payments
    Account Transfers/Payments initiated through the online banking and telephone banking systems before 6:00 p.m. Eastern Time on a business day are posted to your account the same day.*

    Wire Transfers
    Wire Transfers initiated through the online banking system before 4:00 p.m. Eastern Time on a Business Day are posted the same day.*

    ACH Transfers
    ACH File/Fund Transfers initiated through the online banking system before 4:00 p.m. Eastern Time on a Business Day are posted the same day.*

    NOTE: See Business Online Bill Pay cut-off times for bill pay posting deadlines.

    * Transfers completed after this deadline on a Business Day, Saturday, Sunday or Bank holiday will be posted on the next Business Day.

    This deadline may change on occasion as a result of system outages, bank closure due to inclement weather or other circumstances. We will make our best effort to post notice of any extended periods of non-availability on the website.

  30. You must be at least 18 years of age and have the following information:

    • Social Security Number
    • Identification type (i.e. Current driver’s license)
    • Date of birth
    • Contact information (such as address, phone, email, etc)

    The application process is currently restricted to residents of the State of New Jersey within Lakeland Bank’s assessment area.

  31. Additional users may be added by the Senior Administrator (primary user) of the online banking account. Select “Add Employee” from the Administration menu. Note that simply adding an employee does not give him/her rights to any accounts or templates. Account and template access must be established for each employee under the Administration menu.

  32. The business day cut-off time for regular bill payments is 10:00 pm Eastern Time (weekends and holidays excluded). Next-day payments* must be processed before 2:00 pm ET. The cut-off time for same-day payments* (where available) varies by biller. When scheduling a payment, an automated calendar will indicate the earliest available date for each payment.

    * Additional fees apply for expedited payments. Please refer to the bill payment screen for updated fee amounts.

  33. The following mobile devices and operating systems are currently supported for use with Lakeland Bank's Business Mobile Banking service:

    • Apple iPhone® (iOS 5.0 and above)
    • Android® Phone (OS 2.1 and above)
  34. ELIGIBLE CHECK TYPES
    You can deposit checks payable in U.S. dollars and drawn at any U.S bank, including personal, business and government checks. Checks must be payable to and endorsed by the account holder.


    INELIGIBLE CHECK TYPES
    International checks, U.S. savings bonds, U.S. postal money orders, remotely created checks (whether in paper form or electronically created), convenience checks (checks drawn against a line of credit) and cash are not eligible for mobile deposit.

     

  35. The cut-off time for transactions initiated through our telephone banking system is 6:00 p.m. Monday through Friday. Any transaction conducted before 6:00 p.m. will post to your account as of the current business day. Any transaction conducted after 6:00 p.m. will be posted to your account as of the next business day.

  36. To capture a good quality check image:

    • Place the check flat against a contrasting background
    • Hold your mobile device steady and directly over the item (not at an angle)
    • Position the check within the viewing window with all four corners visible
  37. Total deposits cannot exceed $10,000 on each business day.

  38. To check the status of your mobile deposit simply select “Deposit” then “View mobile deposit history” to obtain a real-time status of your accepted, pending and failed deposits over the last 30 days. Additionally, you can review your account history within online banking to verify your deposit after it has posted to your account.

  39. Your debit card can be used to make purchases at more than 25 million places that accept Mastercard – including restaurants, department stores, doctors’ offices, airlines and hotels, grocery stores, gas station, and more.

  40. In order to use mobile deposit, you must be enrolled in online banking and download the mobile banking app on a smart phone or tablet with camera capabilities.

  41. The following browsers are supported by our Business Online Banking system:

    Microsoft Windows OS (Windows 7 or higher; Windows XP is not supported):

    • Microsoft Internet Explorer, version 9 or higher*
    • Mozilla Firefox, version 32 or higher*
    • Apple Safari, version 6 of higher*
    • Google Chrome, version 40 or higher*

    Mac OS:

    • Mozilla Firefox, version 32 or higher*
    • Apple Safari, version 6 or higher*

    * Premier ACH application is only qualified for use on Microsoft Windows PCs using Microsoft Internet Explorer (IE) 9 or higher.

    "BACK" BUTTON NOTE: Navigating through the online banking system with the browser's "Back" button is not permitted and will end your session. This prevents unauthorized access to a user's online banking session when used from a public computer.

    "DOUBLE-CLICK" NOTE: All navigation, document and service links within the online banking system require only a single mouse click. "Double-clicking" may not be interpreted by the system correctly and may cause your online banking session to end.

  42. Current IPhone®, IPhone® 6, iPhone® 6 Plus, iPad® Air 2, Apple Watch®, and iPad® mini 3, running iOS8.1 or later can be used for in-app and in-store purchases. Apple WatchTM paired with iPhone 5 or later can be used with purchases in stores. iPad Pro, iPad Air 2, iPad mini 4, and iPad mini 3 can be used with in-app purchases. Devices will need to be updated with iOS 8.1 or later software in order to pay using a card in Apple Pay.

     

     

  43. Yes, customers may continue to use their card(s) as they normally would after adding it to Apple Pay. 

  44. From within Wallet & Apple Pay, select "Remove Card" in the "Wallet & Apple Pay" section of the device Settings.

  45. After the card is reported as lost/stolen, it will be unavailable in Apple Pay. Customers will have to add the new/replacement card to the Wallet upon receipt.

  46. Credit Sense is a comprehensive credit score program offered by Lakeland Bank that helps you stay on top of your credit. You get your latest credit score and report and an understanding of key factors that impact the score. With this program, you always know where you stand with your credit and how Lakeland may help save you money.

    The Credit Sense program also monitors your credit report daily and informs you by email if there are any big changes detected such as: a new account being opened, change in address or employment, a delinquency has been reported or an injury has been made. Monitoring helps users keep an eye out for identity theft.

  47. Credit Sense Credit Report provides you all the information you would find on your credit file including a list of open loans, accounts and credit inquiries.  You will also be able to see details on your payment history, credit utilization and public records that show up on your account. Similarly to credit score, when you check your credit file, there will be no impact to your score. 

  48. No. Credit Sense is entirely free and no credit card information is required to register.

  49. As long as you are a regular user, your credit score will be updated every month and displayed in your online banking screen. You can click "refresh score" as frequently as every day by navigating to the detailed Credit Sense site from within online banking. 

  50. There are three major credit-reporting bureaus—Equifax, Experian and TransUnion—and two scoring models—FICO or VantageScore—that determine credit scores. Financial institutions use different bureaus, as well as their own scoring models. Over 200 factors of a credit report may be taken into account when calculating a score and each model may weigh credit factors differently, so no scoring model is completely identical. No matter what credit bureau or credit scoring model is used, consumers do fall into specific credit ranges:

    • Excellent 781–850
    • Good 661-780
    • Fair 601-660
    • Unfavorable 501-600
    • Bad - Below 500

    For the reasons stated above, the Credit Sense Score in Online and Mobile Banking may differ from the Score provided through our partnership with ELAN's credit card program. 

  51. No, Credit Sense is a free service to help you understand your credit health; how you make improvements in your score and ways you can save money on your loans with Lakeland Bank. 

  52. Credit Sense uses bank-level encryption and security measures to keep your data safe and secure. Your personal information is never shared with or sold to a third party.

  53. Credit Sense makes its best effort to show you the most relevant information from your credit report. If you think that some of the information is wrong or inaccurate, we encourage you to take advantage of obtaining free credit reports from www.annualcreditreport.com, and then pursuing with each bureau individually. Each bureau has its own process for correcting inaccurate information but every user can “File a Dispute” by clicking on the “Dispute” link within their Credit Sense Credit Report. However, The Federal Trade Commission website offers step-by-step instructions on how to contact the bureaus and correct errors.

  54. No. Accessing Credit Sense is a “soft inquiry”, which does not affect your credit score. 

  55. Yes. Credit Sense will monitor and send email alerts when there’s been a change to your credit profile.

  56. Yes, Credit Sense is available for both mobile and tablet devices and is integrated inside our mobile application.

  57. Contactless payments are transactions that use Near Field Communication (NFC) to complete a transaction. These payments do not require a physical connection between the device and the participating merchant’s checkout terminal.

  58. A check may show up blank if it is written in red, metallic, or other non-traditional ink.  Checks should always be written with a blue or black pen.

  59. To approve a pending transaction (ACH, wire or internal transfer) already initiated by another user through the online banking system, select the ‘Approvals’ tile and select the desired category of items pending approval (shown with a red number graphic indicating the number of pending transactions).

    To approve a Positive Pay exception, select the ‘Approvals’ tile and select the Positive Pay category (shown with a red number graphic indicating the number of exception items).  View the exception item by tapping the image icon and select ‘pay’ or ‘return’.

  60. The Card(s) can be added to Apple Pay in the following ways:

    • iPhone: Open the Wallet app and tap the plus sign in the upper right corner. From there, simply enter the card's security code to add the card from your iTunes account. Or select "Add a different card" and use the phone camera to enter the card information.
    • Apple Watch: Open the Apple Watch app on the iPhone and tap "Wallet & Apple Pay." Then tap "Add a Credit or Debit Card." From there, simply enter the card’s security code to add the card from your iTunes account. Or select "Add a different card" and use the device camera to enter the card information.
  61. Customers will receive notifications when purchases are made using Apple Pay. To turn these notifications off, go to "Settings" and tap "Wallet & Apple Pay." From there, select the added card and turn "Card Notifications" off. Note that by turning off "Card Notifications," customers will no longer see transaction notifications or purchase history in Apple Pay. 

  62. Yes. The ten most recent transactions made using the card(s) in Apple Pay will be displayed. Go to "Settings" and select "Wallet & Apple Pay" on your supported iPhone. You can tap on an individual card and your most recent transactions will be listed

  63. Transactions will not appear any differently than other card transactions.

  64. Apple Payis a service that allows customers to add their card(s) to a supported Apple® device through the Wallet app and make purchases at participating merchants using their Apple® device.

  65. There is no cost to cardholders who use their card(s) in Apple Pay. However, the card’s terms and conditions will apply for purchases. Also, additional message and data charges may apply depending on the customers’ wireless plan.

  66. Consumer and Business debit and credit cards can be used with Apple Pay.

  67. Debit:
    If the card is lost or stolen, customers should remove the card from the Wallet and call Lakeland Bank at 866-224-1379 to report the card lost or stolen.

    Credit:
    If the card is lost or stolen, customers should remove the card from the Wallet and call the credit card issuer at 866-234-4691 to report the card lost or stolen.

  68. If the device is replaced, customers will need to re-register their card(s) in Apple Pay.

  69. No. Erasing the device will delete the card(s) from Apple Pay, but does not affect the plastic card. The plastic card(s) will continue to function as it normally would.

  70. There are two ways in which you can view and manage your card(s) in Apple Pay on your supported iPhone:

    • Option 1: You can view and manage your card(s) in Apple Pay by going to "Settings" and selecting "Wallet & Apple Pay" on your supported iPhone. You can tap on an individual card to manage the settings linked to that card and view your most recent transaction history.
    • Option 2: You can also view and manage your card(s) in the Wallet app. When you select an individual card, you can tap the information icon (i) to manage the settings linked to that card and view your most recent transaction history.
  71. You may be asked to provide additional information to add your card(s) to Apple Pay for security purposes. The Wallet app will tell you how to verify your card(s). After you have successfully verified your card(s), you will then receive a notification indicating that you are ready to use Apple Pay with that card(s).

  72. Apple Pay will be locked anytime your device is locked. For your security, your device's passcode or Touch ID™ is required for every in-store purchase made with Apple Pay.

  73. When you add your card(s) to Apple Pay, instead of using your actual card number, when you add your card, a unique Device Account Number is assigned, encrypted, and securely stored in the Secure Element, a dedicated chip in iPhone, iPad, and Apple Watch. When you make a purchase, the Device Account Number, along with a transaction-specific dynamic security code, is used to process your payment. So your actual card number(s) is never shared by Apple with merchants or transmitted with payment. Every payment requires Touch ID or a passcode, and Apple Watch must be unlocked — so only you can make payments from your device.

  74. To pay in participating stores, just hold your iPhone near the contactless reader with your finger on Touch ID. You'll see "Done" on the display, along with subtle vibration and beeps notifying you that your payment was sent.

    Using Apple Watch, double-click the side button and hold the display of your Apple Watch up to the contactless reader. A gentle tap and a beep will confirm that your payment information was sent*.

    To pay within an app using an iPhone or iPad, select Apple Pay as the payment method and place your finger on Touch ID.*

    *Apple Pay works with the iPhone 6 series and Apple Watch. For a list of other compatible Apple Pay devices see apple.com/apple-pay.

  75. You can use Apple Pay at many of the places you shop every day. View the complete merchant list here. You can also use your card(s) while shopping in apps with Apple Pay at select merchants.

  76. You will receive a notification on your phone if your transaction was successfully paid.

  77. You may need to sign a receipt depending on the merchant.

  78. You can make a return by contacting the merchant directly, as you would with any payment made via your plastic card(s). When making a return, we recommend that you bring your receipt and the device used for the purchase.

  79. To report a lost or stolen debit card during regular business hours contact our Customer Service Department at 866-224-1379 or contact your local branch. For after hours emergency support call 800-554-8969.

  80. In additional to an Access ID and Password, the online banking system utilizes additional security to identify the user. Security Questions and Answers are gathered during the initial login and appear during the login process. Users are provided the opportunity to "remember" them by Registering the computer(s) that are commonly used for online banking access. We do not recommend that users register any public or non-secured PC, but registering a secure home or office computer will bypass the security question and answer process during login, providing faster access to your accounts.

    Remove a Registered Computer

    In order to remove a computer from being registered, follow these steps:

    Windows XP/Internet Explorer

    - Select Tools -> Internet Options -> General -> Browsing History -> Delete Cookies [or Delete All].

    - Browse to C:Documents and Settings[NAME] Application DataMacromediaFlash Player#SharedObjects [MISC FILE NAME (All Letters)]. Remove the folder named "lakelandbank.com".

    NOTE: In order to implement to new changes, close and re-launch the browser.

  81. Most payments made through the Online Bill Pay system are sent to the billers electronically. However, certain payments may be sent via check or draft (check drawn on the user's account) and depends on one or more of the following:

    • Biller's acceptance of electronic payments
    • Payment amount
    • User's payment history

    Regardless of payment method (which is determined solely by our Online Bill Pay service), the payment will arrive at the biller on the scheduled payment date.

  82. Lakeland Bank’s Business Mobile Banking provides secure and convenient access to your business accounts anywhere and at any time. Simply download the Lakeland Bank Business Mobile Banking App to your iPhone or Android phone through the Apple App Store or Google Play and log in using your current Business Online Banking login credentials.*

    * Messaging and data rates from your wireless provider may apply.

  83. Mobile Deposits can fail for several reasons, including:

    • Poor image quality
    • Amount mismatch (check amount does not match deposit amount)
    • Missing endorsement
    • Duplicate item
    • Exceeds check or daily deposit limit
  84. Consumer Online Banking support is available:

    • Monday through Friday - 7:00 am to 8:00 pm ET
    • Saturday - 8:30 am to 2:00 pm ET
    • Sunday - 10:00 am to 2:00 pm ET

    You may contact us by telephone at 866-224-1379.

    E-Mail support is available at support at lakelandbank dot com

  85. All transactions made with your debit card are listed on your monthly account statement. Each transaction shows the merchant name, the date of the purchase and the amount spent - so the more you use your card for everyday purchases; the easier it can be to track expenses and manage your budget. Monitor your activity with our on­line banking service.

  86. Online Banking profiles are protected by multiple levels of access protection. Passwords are user-defined, must be at least 7 characters (numbers and/or letters), and are case-sensitive. Entering your password incorrectly 3 times will lock out your online banking access for 5 minutes. After that time, 3 additional attempts may be made, after which your account will be disabled. Users must contact us at 866-224-1379 to unlock online access.

    When the Multifactor Authentication security questions are answered incorrectly 3 times, the online account is disabled and must be reset by contacting our support area.

  87. To enable alerts to be sent to your mobile device, tap the ‘more’ button in the upper right corner, select ‘Alerts’ and choose the desired notifications.

    Notifications for the Mobile Banking app must also be enabled within your mobile device settings (iPhone only).

  88. Business Mobile Banking support is available:

    • Monday through Friday - 7:00 am to 8:00 pm ET
    • Saturday - 8:30 am to 2:00 pm ET
    • Sunday - 10:00 am to 2:00 pm ET

    You may contact us by telephone at 866-224-1379.  E-mail support is available at support at lakelandbank dot com.

  89. You may fund your new account through:

    • Transfer from another Financial Institution (limit- $5,000)
    • Check by Mail
    • Credit/Debit Card (Visa, MasterCard, or Discover) (Limit- $1,000)
  90. If you are not a U.S. Citizen and are interested in opening an account with Lakeland Bank, we ask that you visit one of our conveniently located branch offices.

  91. The Online Banking system provides one-step export to your favorite financial management software, including Quicken©, QuickBooks© and spreadsheet applications such as Excel©.

    To download transactions into your software application, choose ‘Export’ on the Transaction menu from the account you want to download. Choose the desired statement cycle (e.g. ‘Previous Statement’), then select ‘Intuit Quicken (.QFX)’, ‘Intuit QuickBooks (.QBO)’, or ‘Comma Delimited (.CSV)’ export format and click the Export button. When prompted with the download requestor, click “Open” to load the transactions directly into your financial management software.

  92. If you believe your online banking login information has been obtained by someone or another person has requested access to your account, you must contact our support center immediately at 866-224-1379.

  93. Enroll for Consumer Online Banking today by visiting the Online Banking Enrollment Page and completing the enrollment form. After your application has been approved, you will be contacted via e-mail or mail with your Access ID and temporary password.

    Or, visit your local branch of Lakeland Bank to complete an Online Banking Enrollment Form. After your application has been approved, you will be contacted via e-mail or mail with your Access ID and temporary password.

    To enroll for Consumer Online Banking, you must have an account with Lakeland Bank, access to the Internet and a valid e-mail address.

  94. Mobile Banking Features

    • Check account balances
    • View transaction history
    • Transfer funds between accounts (Browser and App only)
    • Deposit Check (App only)
    • Pay Bills (App only)
    • Send money electronically to family and friends using Popmoney (App only)
    • Find Lakeland Bank branches and ATMs
  95. eStatement enrollment is accessed under "Profile" through the consumer online banking system. Users may also be prompted to enroll for eStatements during their initial online banking login session.

  96. Online Banking access is granted to each individual owner of an account. While joint account owners are both permitted access to their joint account, each party is assigned his/her own unique Access ID. Due to the distinct nature of online profiles, it is recommended that users do not share access, but rather each owner obtain his/her own login information.

  97. Complete the Business Online Banking Application and Maintenance Form (which can be downloaded from our Download Forms page) and select “Online Bill Pay”. Sign and deliver the form to your local branch for processing. You will be notified when your bill payment service has been activated.

  98. Access to the Consumer Online Bill Pay system is available through the 'Bill Pay' link in the Consumer Online Banking navigation menu. Also, the Online Banking Welcome Page includes a 'Quick Pay' window that allows bill payments to be initiated to existing billers.

  99. Express Transfers/Payments initiated through the online banking and telephone banking systems before 6:00 p.m. Eastern Time on a business day are posted to your account the same day.*

    NOTE: See Consumer Online Bill Pay cut-off times for bill pay posting deadlines.

    * Transfers completed after this deadline on a Business Day, Saturday, Sunday or Bank holiday will be posted on the next Business Day.

    This deadline may change on occasion as a result of system outages, bank closure due to inclement weather or other circumstances. We shall use our best efforts to post notice of any extended periods of non-availability on the website.

  100. Broadcast Messages are system-wide alerts generated by the bank and provide important and/or urgent messages such as system services or outage information.

    Broadcast Messages will automatically expire after a defined number of days and cannot be deleted by the online banking user.

  101. Online Bill Pay Support can be reached at 855-727-2974 and is available 7 days a week from 7:00 am to 1:00 am Eastern Time. Bill pay investigations can be initiated from within the Bill Pay system under the Bill History tab.

  102. Most payments made through the Online Bill Pay system are sent to the billers electronically. However, certain payments may be sent via check or draft (check drawn on the user's account) and depends on one or more of the following:

    • Biller's acceptance of electronic payments
    • Payment amount
    • User's payment history

    Regardless of payment method (which is determined solely by our Online Bill Pay service), the payment will arrive at the biller on the scheduled payment date.

  103. You must be at least 18 years of age and have the following information:

    • Social Security Number
    • Identification type (i.e. Current driver’s license)
    • Date of birth
    • Contact information (such as address, phone, email, etc)

    The application process is currently restricted to residents of the State of New Jersey within Lakeland Bank’s assessment area.

  104. Enroll in Consumer Online Bill Pay by clicking the 'Bill Pay' link in the Consumer Online Banking navigation menu and completing the enrollment form.

  105. Mobile Deposits can be made at any time. Deposits made on weekends, holidays or after 6:00 pm ET will be processed on the following business day.

  106. Transactions that are determined to be “high risk”, including originating ACH, tax payments and wire transfers, require an additional layer of security. Tokens are small, electronic devices that provide a unique, one-time password that must be entered when initiating these types of transactions.

    A Token is provided FREE with your business online banking enrollment. Extra Tokens are available for $20 each if required for additional employees.

  107. Access your accounts through an app on your mobile device (iPhone, iPad and Android phones only) using your online banking login credentials. Receive account balances, view recent history, transfer funds, deposit checks, pay bills, send money electronically to family and friends, and find branch & ATM locations.*

    Download the Lakeland Bank Mobile Banking App through the Apple App Store or Google Play. Or, login to your consumer online banking profile, click the 'Mobile Banking' link in the navigation menu and follow the prompts to enroll.

    * Messaging and data rates from your wireless provider may apply.

  108. If you believe your online banking login information has been obtained by someone or another person has requested access to your account, you must contact our support center immediately at 866-224-1379.

  109. The Senior Administrator is the primary user on the online banking account. This person has rights to all accounts, templates and services requested on the online banking application, and is the person responsible for creating additional users and assigning rights and access to services and accounts.

  110. Online Banking profiles are protected by multiple levels of access protection. Passwords are user-defined, must be at least 7 characters (numbers and/or letters), and are case-sensitive. Entering your password incorrectly 3 times will lock out your online banking access for 5 minutes. After that time, 3 additional attempts may be made, after which your account will be disabled. Users must contact our online banking support at 866-224-1379 to unlock online access.

    When the Multifactor Authentication security questions are answered incorrectly 3 times, the online account is disabled and must be reset by contacting online banking support.

  111. Receive account balance, recent transactions and local branch and ATM locations via text message on your mobile device.*

    Balance: Send "Bal" to 96924
    Transactions: Send "Hist" + to 96924 (e.g. "Hist C1"); Send "Next" for additional transactions.
    Branch Locations: Send "Branch" + to 96924 (e.g. "Branch 07438") or send "Branch" + <City, St> to 96924 (e.g. "Branch Morristown, NJ")
    ATM Locations: Send "ATM" + to 96924 (e.g. "ATM 07438") or send "ATM" + <City, St> to 96924 (e.g. "Branch Morristown, NJ")

    * Messaging and data rates from your wireless provider may apply.

    • Check account balances
    • View transaction history
    • Transfer funds between Lakeland Bank accounts
    • Deposit checks
    • Receive alerts when transfers or Positive Pay exceptions are pending
    • Approve pending transfer requests and Positive Pay exceptions
  112. The business day cut-off time for regular bill payments is 10:00 pm Eastern Time (weekends and holidays excluded). Next-day payments* must be processed before 2:00 pm ET. The cut-off time for same-day payments* (where available) varies by biller. When scheduling a payment, an automated calendar will indicate the earliest available date for each payment.

    * Additional fees apply for expedited payments. Please refer to the bill payment screen for updated fee amounts.

  113. You should receive your debit card and checks within 10 business days of opening your account.

  114. The following browsers are supported by our Consumer Online Banking system:

    Microsoft Windows OS (Windows 7 or higher; Windows XP is not supported):

    • Microsoft Internet Explorer, version 9 or higher
    • Mozilla Firefox, version 32 or higher
    • Google Chrome, version 40 or higher
    • Apple Safari, version 6 or higher
    • Opera, version 26 or higher

    Mac OS:

    • Apple Safari, version 6 or higher
    • Mozilla Firefox, version 32 or higher
    • Google Chrome, version 40 or higher
    • Opera, version 26 or higher

    "BACK" BUTTON NOTE: Navigating through the online banking system with the browser's "Back" button is not permitted and will end your session. This prevents unauthorized access to a user's online banking session when used from a public computer.

    "DOUBLE-CLICK" NOTE: All navigation, document and service links within the online banking system require only a single mouse click. "Double-clicking" may not be interpreted by the system correctly and may cause your online banking session to end.

  115. Consumer online banking users may establish their own eAlerts from within the ‘Messages’ area of the account summary (“Home”) page. Click ‘New’ and follow the on-screen instructions, selecting the type of alert, account number and notification method.

    Learn More about detailed instructions on setting up eAlerts.

  116. Lakeland Bank’s Mobile Banking triple play provides secure and convenient access to your consumer accounts anywhere and at anytime. Whether you access your accounts through the downloadable app, mobile web browser or text banking, Lakeland Bank provides solutions to help simplify your financial life.

    Mobile Banking allows you to view transaction history, check account balances, transfer funds between accounts, deposit checks, pay bills, send money to family and friends, and find local Lakeland Bank branches and ATMs.*

    Text Message Banking
    Receive instant account information by sending text-based messages from your cell phone. Get account balances and receive recent transaction history. Plus, locate the nearest Lakeland Bank branch office or ATM! By sending a short text command to 96924, you can quickly receive the information you want.

    Mobile Browser
    Lakeland Bank’s mobile website allows you to have instant access to your accounts when you are on the go! The mobile website provides you with secure access to your account balances, recent transaction history and the ability to transfer funds between accounts. Additionally, you will be able to locate the Lakeland Bank branch office or ATM location nearest to you.

    Downloadable App
    The Mobile Banking application can be downloaded through the App Store, Google Play or through the link provided during your initial enrollment. View account balances and recent transaction history, deposit checks, pay bills, send money electronically to family and friends, and transfer funds between accounts. Additionally, you will be able to locate the Lakeland Bank branch office or ATM location nearest to you.

    * Lakeland Bank Mobile Banking is free to download. However, messaging and data rates from your wireless provider may apply.

  117. The security of your personal information and online banking transactions is of utmost importance to Lakeland Bank. Please read our Privacy Notice for additional information.

  118. Some eAlerts are recurring (for example, "Checking Low Balance Alert") and provide notification every day that the criteria are met. Once the criteria have been met and an eAlert notification has been sent via e-mail, that eAlert is deleted, a new one is automatically re-created and is displayed as "Unfulfilled".

  119. The status of an eAlert that has been sent as an online message (not eAlerts sent via e-mail) can be viewed by clicking on "eAlerts" within the 'Messages' area of the online banking home page.

    • Unfulfilled - eAlert has been created but not fulfilled (event criteria has not yet been met).
    • Fulfilled - eAlert event criteria has been met and online message has been sent (but not yet read).
    • Distributed - eAlert online message has been read.
  120. Business Online Banking support is available Monday through Friday, 8:30 am to 5:30 pm.

    You may contact us by telephone at 973-948-9520, or by e-mail at support at lakelandbank dot com.

  121. To enroll for Mobile Banking

    • Lakeland Bank App: Download the Lakeland Bank App from the Apple App Store, Google Play or Amazon App Store.
    • Text, Mobile Browser or App: Login to your consumer online banking profile and click the 'Mobile Banking' link in the navigation menu (or click 'Options').
    • Scroll down to the Mobile Banking Profile section and click the 'Enroll Now' button.
    • Accept the Terms & Conditions.
    • Select desired services.
    • Select desired accounts and provide account nicknames.
    • Enter mobile device telephone number.
    • Enter activation code received via text message.*

    * Mobile device/service must have text messaging enabled to receive the activation code, text banking information, and browser & downloadable app links.

  122. Transfer Money allow customers to move funds electronically from their Lakeland Bank checking account(s) to their checking or savings account(s) at other financial institutions OR from their account(s) at other financial institutions to their Lakeland Bank account(s).*

    Transfer Money accounts at other financial institutions must be activated by verifying micro-deposits made to the account before transfers can be sent.

    * Additional fees apply for Transfer Money payments. Please refer to the Transfer Money page for updated fees.

  123. The application should take you approximately 10-15 minutes to complete. After the application is completed, you will receive an “Application Confirmation” notice via email, which will indicate that the approval of your account is pending.

    Necessary documents to send:
    Check (if you decided to fund your account by mailing a check) Signature card (mail using the instructions printed on the card)

    If opening a joint account, the same information required for the Primary applicant is required for the Joint applicant. If you have already completed the online account opening process and wish to add a joint applicant, please visit one of our conveniently located branch offices.

    You can save the online account application in the event that you are unable to complete it. You will receive an email containing your saved application number, which will available for 30 days.

  124. The following mobile carriers, browsers, devices and operating systems are available for use with Lakeland Bank's Mobile Banking service:

    Supported Carriers

    • Verizon Wireless®
    • AT&T Wireless®
    • Sprint®/Nextel®
    • T-Mobile®

    Certain other small-brand carriers that operate under these carriers (e.g. Boost Mobile®)

    Supported Browsers
    Any mobile device's default browser (e.g. Apple iPhone®: Safari®)

    Supported Devices/Operating Systems for Downloadable App

    • Apple iPhone® (iOS 5.0 and above)
    • Apple iPad®(iOS 5.0 and above)
    • Android® (OS 2.1 and above)
  125. Additional bank accounts may be added to an online banking profile by completing the Business Online Banking Application and Maintenance Form (available for download from our Download Forms page). Please complete and submit the form to your local branch for processing.

  126. For security reasons, you cannot make any modifications to the information that has already been provided in the online account information. You can, however, start another application.

  127. After depositing your check using mobile deposit, indicate the date it was deposited on the check and securely store the check for 15 days after your deposit. This allows sufficient time in case the original check is required for any reason. After you’ve confirmed the deposit has successfully posted to your account, shred and destroy the original paper check.

  128. The following account products can be opened online:

    • Elite Checking
    • Platinum Checking
    • Personal Checking with Interest
    • Classic Checking
    • Platinum Tiered Money Market
    • Statement Savings
    • Social Security Number
    • Valid Identification (driver’s license, state issued ID, military photo ID, US passport with photo)
    • Date of Birth (must be at least 18 years of age)
    • Contact information (address, phone, email, etc.)

    If you are not a US citizen and are interested in opening account with Lakeland Bank, please visit one of our conveniently located branch offices.

    1. Download the Business Online Banking Package
      • Business Online Banking Agreement
      • Business Online Banking Application
      • Electronic Banking Resolution
    2. Complete the forms and drop them off at your local branch

    Upon approval, the Senior Administrator (primary user) will be mailed his/her Access ID and temporary password.

    You must have an account with Lakeland Bank, access to the Internet and a valid e-mail address.

  129. Upon receipt of necessary documentation and information verification, your account will be opened. Depending on the method of funding and your approval status, account may take three or more days to be opened. You will receive a “Welcome to Lakeland Bank” email indicating that your account has been opened. Additional information regarding online banking will be provided in subsequent emails with other items mailed as requested (debit card, checks, etc).

  130. You will be provided with your online banking Access ID as well as instructions on how to view and access your account via email.

  131. How to Make a Deposit
    To deposit a check using the mobile deposit feature, tap the ‘Deposits’ tile and follow the prompts to select and deposit account, enter the check amount and capture front and back images of the check.

    Deposit Status
    Check the status of recent deposits made through your mobile device by tapping the ‘Deposits’ tile and selecting ‘Deposit History’.  ‘Accepted’ Items (indicated with a green mark) have processed and should be posted to your account.  ‘Pending’ items have been uploaded but have not yet posted to your account.

    Deposit Limits
    You can deposit up to $25,000 per day.

    Deposit Cut-Off
    Mobile deposits can be made at any time.  Deposit made after 6:00 pm ET, or on weekends or holidays, will be processed on the following business day.

    Eligible Deposits
    Checks eligible for deposit through Business Mobile Banking include:

    • Drawn on U.S. bank and payable is U.S. dollars
    • Must be payable to and endorsed by the account owner
    • Not a substitute or remotely created check
    • Not already processed/negotiated
    • Unaltered and not known to be fraudulent
    • Subject to deposit limits
  132. Online Bill Pay Support can be reached at 855-727-2974 and is available 7 days a week from 7:00 am to 1:00 am Eastern Time. Bill pay investigations can be initiated from within the Bill Pay system under the Bill History tab.

  133. eAlerts are electronic notifications sent via e-mail or online message that track certain consumer account activity, including low balance, automatic withdrawal, check posting - and more!

  134. The following eAlerts are available:

    • Low Balance: ATM Withdrawal
    • High Balance: ATM Deposit
    • Check Posted: POS Purchase
    • Deposit: CD Interest Credit
    • Withdrawal: Loan Payment
    • EFT Debit: Line of Credit Advance
    • EFT Credit
  135. eAlerts are processed after the bank's nightly update has been completed. Typically, they are available on each banking day by 10:00 pm ET.

  136. eAlerts are sent via e-mail or secure online message (viewable through the consumer online banking system). Select which method you prefer when setting-up your notification.

  137. Yes, merchants and ATMs will continue to accept magnetic stripe cards.

  138. A chip card is a credit or debit card with a traditional magnetic stripe and an embedded microchip for added security. Chip cards offer you advanced security when used at chip enabled merchants and ATMs.

  139. If you have a chip card, the chip is located on the front of the card. You will still have a magnetic stripe on the back so that you can use it at merchants who don’t accept chip cards yet.

  140. Access your accounts through your mobile device's default browser using your online banking login credentials. Receive account balances, view recent history, transfer funds, and find branch & ATM locations.*

    Launch Mobile Browser from link provided during enrollment (add to your bookmarks for quick access). Select "Login" and verify security image & pass phrase and enter your password. Select "View Accounts", "Transfer Money" or "Find ATM/Branch".

    Be sure to select "Log Out" when finished with your login session.

    * Messaging and data rates from your wireless provider may apply.

  141. When your eStatement is available, you will receive an e-mail notification. NOTE: Make sure that 'ebanking at lakelandbank dot com' has been added to your trusted e-mail sender's list.

  142. To access your eStatements, login to the consumer online banking system. Under the account, select the desired eStatement under 'Documents'.

  143. eStatements are identical to your regular paper statements and notices, except that they are conveniently provided through the secure online banking system. Once enrolled for eStatements, paper statements and notices will no longer be mailed, eliminating the delays and risk of mailing statements, and reducing paper waste.

  144. Only the person listed on the first name line of a joint account may enroll for eStatements. However, either owner may retrieve the eStatement from his/her online banking profile.

  145. Adobe Acrobat Reader(TM) is required to open, view and print eStatements. Once opened, eStatements can be saved to a hard drive, CD/DVD-ROM or other media.

  146. Both eStatements and Online Account Statements are available through the consumer online banking system. eStatements provide an exact copy of your paper statement (including check images), while Online Account Statements provide the account transaction information in HTML format (no check images).

  147. To change your name on your accounts, please take your updated photo ID and any supporting documents (i.e. marriage certificate, divorce, or other court papers) into your nearest Lakeland Bank branch office so that your account records and signature cards may be updated

  148. No. You will use your chip card for online purchases by following the same process you do today.

  149. Your Lakeland Mastercard® Debit Card will automatically be replaced with a chip-enabled card on your next renewal date, beginning sometime in 2016 and continuing over the course of 12 months.

  150. Card Control is a new feature within Lakeland Bank’s Consumer Mobile Banking App which allows users to set Debit Card transaction limits, create denied transaction alerts, report lost or stolen cards, and establish card restrictions.

  151. No, Card Control is currently available for debit cards.

  152. No, it is not currently available within Lakeland Bank’s Business Mobile Banking App.

  153. Card control is available to Lakeland Bank customers who have Consumer Online Banking and have downloaded the Lakeland Bank Consumer Mobile Banking App for iPhone and Android devices. The App for iPad is not currently supported.

  154. Mobile Banking users will automatically have access to Card Control through the Consumer Mobile Banking app and will be able to manage their cards based on the accounts they have access to.

  155. Each Consumer Mobile Banking user, including joint account owners and minors who have been issued a debit card with parental permission, will have access to card control for any card that is tied to an individual or shared account available through the Mobile Banking App.

  156. No, any card that is linked to the same account number will show in the card “carousel” where cards are displayed in the Mobile Banking App.

  157. Card control can be accessed through the Consumer Mobile Banking App by selecting the ‘Manage My Cards’ option on the accounts screen or by selecting the ‘Cards’ option from the ‘More’ menu.

  158. Transaction restrictions can be based on merchant location, as well as merchant type (i.e. retail department stores, gas stations, etc.). In addition, there are dollar amount threshold controls and the ability to turn your debit card on or off.

  159. Control settings are real time and take effect immediately after the settings have been saved.

  160. To receive notifications for denied, blocked or restricted transactions, you must log in to your Consumer Online Banking profile, click ‘Mobile Banking’ on the navigation menu and select ‘Manage Devices’. Select ‘Change my Mobile Banking Services’ from the drop-down box and check ‘Card Controls Alerts’. Notifications are received via text message.

  161. No, previously authorized recurring payments will continue to process and will bypass the card control edit checks.

  162. The region shows the approximate area where the card can be used. Card control typically maps the transaction down to a zip code or city. If the city or zip code of the merchant overlaps with the selected region in the map, the transaction may be processed. There are instances where a merchant location cannot be mapped down to a zip code or city. If this occurs, card control will default to a state-level match.

  163. Yes. International transactions can be blocked using the “International” location control. Transactions will be limited to the United States.

  164. Specific merchant types have been created within card control, and these merchant types can be used to block card transactions by merchant category. Each of the merchant types contains various merchant category codes (MCC). Please note that it is possible for a retailer to use an MCC that may differ from the card control merchant type classification, so certain transaction restrictions may not perform as expected. Merchant types currently supported include: Retail and Department Store, Entertainment, Gas Station, Groceries, Household, Personal Services, Restaurants, and Travel.

  165. We upgraded the Business Online Banking system to provide a more robust Treasury Management solution easily accessed through multiple channels so you can bank the way you want.

  166. Business Online Banking customers will be migrated to the eTreasury solution on Monday, August 24, 2020. Depending on the services utilized, your company will be migrated to the eTreasury Commercial or the eTreasury Business platform.

  167. Access to the Business Online Banking platform and Business Mobile Banking will be shut down as of 8:00am ET on Sunday, August 23, 2020.

    The following chart depicts important dates and times that you should be familiar with:

    eTreasury - Dates and Times

    EventDate/Time

    Business Online Banking Maintenance Blackout

    Any changes to the system after 6:00pm will not carry forward to the new platform including:

    • User Maintenance
    • ACH
    • Wire
    • Internal Transfers
    6:00pm on Thursday, August 20, 2020

    Business Online Banking Transaction Cut-Off

    Any transactions conducted after this cut-off will not be processed.

    6:00pm on Friday, August 21, 2020

    Business Online Banking System Shutdown

    8:00am on Sunday, August 23, 2020

    eTreasury Commercial & eTreasury Business Available

    8:30am on Monday, August 24, 2020
  168. eTreasury Business – If you are currently using Online Banking or Mobile Banking along with Bill Pay, use the eTreasury Business platform.

    eTreasury Commercial – If you are currently using Online Banking, Mobile Banking, ACH, Bill Pay, Positive Pay, Remote Deposit Capture or Wires,  use the eTreasury Commercial Platform.

  169. Approximately two weeks before the transition date, you will receive a letter from us with your Company ID. User IDs and Passwords have not changed. Use the same User ID and Password previously used with Business Online Banking. After your initial login into eTreasury, you will be required to change your password.

  170. Yes, there is a new app. Lakeland Bank eTreasury is available to download in the App store and Google Play store. Your system Administrator will need to provide an activation key in order to provision your mobile devices. 

  171. If you are enrolled in electronic statements today, you will continue to receive those statements electronically.

  172. Bill Pay will not change and will be accessible through eTreasury Commercial and eTreasury Business. All payee data will appear automatically, as will your recurring and future dated payments.

  173. Modifications to your QuickBooks settings will need to be made to ensure a smooth data transition. Separate QuickBooks conversion instructions will be provided and can be found at LakelandBank.com/eTreasury. We recommend you back-up your data files and download the latest update prior to the transition date.

  174. No, your personal online banking will not change.

    • Enhanced flexible reporting including: BAI2, ACH EDI and data exporting capabilities.
    • More options to manage your own profile, settings and users.
    • Streamlined user experience featuring a dashboard for simple access to high-level actionable items, account information and secure messaging.
    • Notifications will now be received by an Administrator or User to alert them of various banking activities.
    • Centralized payments and transfer center to create payees one time for use with both wire and ACH applications.
    • Enhanced transfer option – many accounts to one, or one account to many.
    • Secure file delivery options using SFTP (Secure File Transfer Protocol) and e-mail. 
    • Secure Browser is an optional feature designed to add multi-layered protection against  malware, keylogging, malicious code, and compromised credentials. 
    • Enhanced Check and ACH Positive Pay services.
    • End of day ACH delivery cutoff time has been extended to 5:30pm ET.
    • Foreign currency wires can now be initiated.
    • More options to manage your own profile, settings and users.
    • Streamlined user experience featuring a dashboard for simple access to high-level actionable items, account information and secure messaging.
    • Account alerts and notifications to assist in managing daily processes. 
    • Secure Browser is an optional feature designed to add multi-layered protection against malware, keylogging, malicious code, and compromised credentials.
  175. The login process is different than with Business Online Banking. Approximately two weeks before the transition date, you will receive a letter from us with your Company ID. User IDs and Passwords have not changed. Use the same User ID and Password previously used with Business Online Banking. After your initial login into eTreasury, you will be required to change your password.

    Login Form with Company ID, User ID fields

  176. The login process is different than with Business Online Banking. Approximately two weeks before the transition date, you will receive a letter from us with your Company ID. User IDs and Passwords have not changed. Use the same User ID and Password previously used with Business Online Banking. After your initial login into eTreasury, you will be required to change your password.

    Commercial Login Example

  177. Log in from our website www.lakelandbank.com. Select “Online Banking” and choose eTreasury Commercial from the dropdown box.

  178. Log in from our website www.lakelandbank.com. Select “Online Banking” and choose eTreasury Business from the dropdown box.

  179. Your ACH and wire templates will carry over into eTreasury Commercial, including any changes made up until 6:00pm ET on Thursday, August 20, 2020.  Any changes made after that time need to be recreated in eTreasury Commercial.  All payments will now be centralized under one convenient Payments and Transfers tab in eTreasury Commercial.

  180. Wire templates will be carried over and categorized as Repetitive or Semi-Repetitive. Repetitive templates can be initiated on a Repetitive basis without having the need to modify any information. Semi-Repetitive templates allow you to initiate wires that contain pertinent static information while allowing the flexibility to modify account, amount, purpose of payment and additional information for beneficiary.

    Unlike the Business Online Banking platform, eTreasury Commercial does not allow for a zero dollar repetitive wire template. Some wire templates that were migrated as repetitive were brought over with a $ .01 amount. When using a repetitive wire, the wire amount can be changed by going to Manage Templates.

  181. No, your current ACH limit will not change.

  182. Files exceeding your limit will be rejected for processing. A temporary limit increase will need to be requested and directed to your relationship manager. Once the limit change is made, you will need to resubmit the ACH file for processing. If you have concerns about your current ACH limit, please contact your relationship manager for an ACH limit review.

  183. The final ACH delivery cutoff time has changed to 5:30pm. All other cutoff times remain unchanged.

  184. All internal transfers submitted by the business day prior to the transition date in Business Online Banking will occur as scheduled. Internal transfers scheduled to occur after the transition date will need to be recreated and rescheduled.

  185. All one-time ACH, wire and internal transfers submitted by the business day prior to the transition date in Business Online Banking will occur as scheduled. If a template was used to create the recurring transfer, you will see the same template in eTreasury Commercial. Any recurring ACH, Wire or Internal account transfers with an effective date after September 18, 2020 will need to be recreated on or after September 21, 2020 in eTreasury.

  186. Yes! You will now be able to initiate both ACH and Wires using repetitive templates or payees created in the eTreasury Commercial platform. Note: Administrators should consider this change when enabling mobile access to their company users.

  187. Business Bill Pay or Remote Deposit will not change and will be accessible through eTreasury.

  188. Hard tokens will no longer be used at login; however, we have several options available to support enhanced security for Profile changes, Wire Transfers and ACH Origination. Options include Secure Browser, Soft Token and Out of Band (OTP). Secure Browser and the Soft Token may require assistance from your system administrator. Additional information on these options will be available on the Resource Center within eTreasury. Your Business Online Banking token may be destroyed after migration to eTreasury Commercial.

  189. Depending on your enabled services within eTreasury, you will receive various Notifications (known as Subscriptions) alerting you of any access changes or financial activity performed within your Company profile.

    By default, all “Subscriptions” will be delivered via email, unless the Administrator or User changes the delivery method to SMS.

  190. We’re here to help! Please contact us at 866-224-1379 for additional information or visit us at Lakelandbank.com/eTreasury.

  191. The IRS began issuing payments on December 30. Visit IRS.gov/coronavirus for updates.

  192. The Treasury plans to issue these payments electronically whenever possible. They estimate that 85% of payments (or 128 million payments) will be ACH/direct deposit payments. If the IRS does not have your direct deposit information and has not sent a payment already, you may use the ‘Get My Payment’ application to provide the IRS with your bank account information. If you receive a debit card and have any questions regarding how to use the card please go to EIPcard.com for more information. Visit IRS.gov/coronavirus to get updated information regarding receiving your payment.

  193. You can easily verify your deposit using Lakeland Bank’s Online or Mobile Banking. Additionally, the IRS plans to mail a letter about the Economic Impact Payment to the taxpayer’s last known address within 15 days after the payment is paid. The letter will provide information on how the payment was made and how to report any failure to receive the payment. If a taxpayer is unsure they’re receiving a legitimate letter, the IRS urges taxpayers to visit IRS.gov first to protect against scam artists.

    To enroll in Online Banking or download our Mobile App, follow the steps below.

    Login to Online BankingEnroll in Online Banking

    Available in the Google Play.Available in the App Store.

  194. If you receive a physical check, we encourage you to use Lakeland Bank’s mobile deposit feature through our Mobile Banking App. You can safely deposit checks using our mobile app from the comfort of your home. Click here to learn more!

    Please note, we do not cash checks for non-customers.

  195. The IRS will post all key information on IRS.gov/coronavirus as soon as it becomes available.

  196. Business Online Banking customers will be migrated to the eTreasury solution on Monday, September 21, 2020.  Depending on the services utilized, your company will be migrated to the eTreasury Commercial or the eTreasury Business platform. 

  197. Access to the Business Online Banking platform and Business Mobile Banking will be shut down as of Friday, September 18, 2020. Refer to the chart below for specific time frames.

    The following chart depicts important dates and times that you should be familiar with:

    eTreasury - Sept Dates and Times

    EventTime/Date

    ACH Maintenance Blackout

    Any changes to the ACH system after 6:00pm on Monday, September 14, 2020 will not carry forward to the new platform.

    6:00pm on Monday, September 14, 2020

    Business Online Banking Maintenance Blackout

    Any changes to the system after 6:00pm will not carry forward to the new platform including:

    • User Maintenance
    • Wire
    • Internal Transfers
    6:00pm on Wednesday, September 16, 2020

    Business Bill Pay

    Business Bill Pay will be temporarily suspended. All payments scheduled for September 18, 2020 and beyond will be processed as normal.

    6:00pm on Thursday, September 17, 2020

    Business Mobile System Shutdown

    4:00pm on Friday, September 18, 2020

    Business Online Banking Transaction Cut-Off

    Any transactions conducted after this cut-off will not be processed.

    6:00pm on Friday, September 18, 2020

    Business Online Banking System Shutdown

    6:00pm on Friday, September 18, 2020

    eTreasury Commercial & eTreasury Business Available

    8:30am on Monday, September 21, 2020
  198. Modifications to your QuickBooks settings will need to be made to ensure a smooth data transition. Separate QuickBooks conversion instructions will be provided and can be found at LakelandBank.com/eTreasurySept. We recommend you back-up your data files and download the latest update prior to the transition date.

  199. We’re here to help! Please contact us at 866-224-1379 for additional information or visit us at Lakelandbank.com/eTreasurySept.

  200. Your ACH and Wire templates will carry over including any changes made up to 6:00pm ET on September 14, 2020 (ACH) and up to 6:00pm ET on September 16, 2020 (Wire). Any changes made after these times need to be recreated in eTreasury Commercial.  All payments will now be centralized under one convenient Payments and Transfers tab in eTreasury Commercial.

  201. You can manage your day-to-day cash flow needs and perform a range of online banking transactions efficiently with real-time posting. eTreasury Business and eTreasury Commercial provide a secure, integrated point of access to manage multiple business accounts anywhere, anytime.

  202. Please complete the eTreasury Business Enrollment Package or eTreasury Commercial Enrollment Package and return it to your local branch.

  203. After you complete and return the eTreasury Enrollment Form(s) to your local branch, your eTreasury credentials will be created and you will receive a welcome email confirming enrollment.

  204. Passwords must contain 8 to 30 characters and require each of the following:

    • lower case letter
    • upper case letter
    • number
    • special character
  205. eTreasury passwords will not expire.

  206. Simply visit LakelandBank.com, click on “Online Banking”and select “eTreasury Business" or "eTreasury Commercial” from the dropdown box. Enter your Company ID, User ID and Password, and click "Login".

  207. You may be experiencing difficulties accessing your account due to the following:

    • The Company ID, User ID and/or Password you have entered is incorrect
    • If you are trying to login from LakelandBank.com, the account type selected in the dropdown may be incorrect - (For eTreasury Business, remember to select "eTreasury Business". For eTreasury Commercial, remember to select "eTreasury Commercial".)
    • You've tried to login unsuccessfully three times  and have been locked out of the system

    Note: Please verify that you meet the browser requirements listed in the FAQ below.

    If you continue to have difficulty accessing eTreasury, please contact us at 866-224-1379.

  208. Windows Operating System (OS), Mac Operating System(OS) and the following browsers are supported:

    • Internet Explorer (Version 11)
    • Microsoft Edge (Any version currently supported by Microsoft)
    • Mozilla Firefox (Version 65+)
    • Google Chrome (Version 70+)
    • Apple Safari browser is not officially supported but there are no known issues between most recent version of Safari and eTreasury

    Please see additional information below regarding technical requirements.

    Windows OS

    NOTE: 32- and 64-bit operating systems are supported

    • Windows 8, 8.1, and 10 (Secure Browser or Desktop)
      • Dual core 2 GHz or more microprocessor
      • 2GB of RAM (32bit) or 4GB of RAM (64bit)
      • 16 GB (32bit) or 20 GB (64bit) of Hard Drive space (minimum)

     Mac OS

    • 13 High Sierra, 10.14 Mojave, 10.15 Catalina (Secure Browser or Desktop)
      • 2 GB of RAM (4 GB Recommended)
      • 10 GB of Hard Drive space
  209. Lakeland Bank’s eTreasury Mobile App is available for download in the App store and Google Play store. Your system Administrator will need to provide an activation key  to enable access on your mobile device(s). For more information about our eTreasury Mobile App, click here or review our eTreasury App Mobile Guide.

  210. Apple

    • iPads and iPhones running iOS 11 or newer

    Note: Only the most recent release of an OS version is supported. For example, if iOS 100.4.9 is publicly available, then release 100.4.8 is no longer supported. However, the most recent release of iOS 99 would still be supported.

    Android

    • Phones and tablets running OS 5 or newer
    • GHZ dual core chip or better
    • 1 GB or more of RAM
  211. Additional users can be added to eTreasury by your System Administrator.

  212. When you access your eTreasury platform, a “Help” or “?” feature is located on each page. For additional assistance, call us at 866-224-1379.

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