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Questions members frequently ask about Internet Banking
General
Usage
Enhanced Internet Banking Security
Bill Payer
Transfers
Technical
General
When logging into Internet Banking, what is my User ID?
Your User ID is the login that you chose or was assigned to you at the time you were enrolled into Internet Banking. Your User ID can be alphabetical, numerical or alph-numeric.
What is my Password?
Your password is what you chose during the Internet Banking enrollment process. We encourage you to create strong passwords to help secure access to your online transactions. A strong, secure password consists of a combination of letters, numbers and punctuation, and should be changed every 90 days.
How do I find my User ID for online enrollment?
If you're enrolling in Internet Banking for the first time, your User ID can be whatever you choose.
I'm having trouble logging. Any suggestions?
User ID — log in using the User ID you established during your enrollment into Internet Banking. If you do not remember your User ID, contact our Call Center at 888.267.7200 or stop by any branch. If you do not have a User ID, you can submit your request online to enroll for a login to access your accounts online. Click the Online Enrollment link on the Internet Banking Login page.
Password — After several attempts, Internet Banking will lock out users that have incorrectly entered the password associated with their User ID. Please contact our Call Center at 888.267.7200 or stop by any branch to have your account unlocked and/or have your password reset.
Security Questions — If you haven't established your security questions for your Internet banking login, the system will prompt you to go through this process. The system will randomly generate a series of questions in which you will need to select 5 questions and provide answers. Then you will scroll to the bottom of the online form and click Submit. Please note that with some browsers, you will need to scroll up or down, or left and right to view the internal scroll bar for the online form. Once your questions and answers have been confirmed, you will be redirected to Internet Banking. When you are presented to answer your security question, you will have several attempts to answer them correctly. If you get locked out from answering them incorrectly several times, you will need to contact the Call Center at 888.267.7200 to have your account unlocked.
How do I view all of my accounts within Internet Banking?
Internet Banking allows you to view all of your Lake Trust Credit Union accounts that you play a role on from the Account Summary screen. If you would like to add any new accounts that you've opened, just click the Add Account button and enter the account number and a display name for this account. If you would like to remove any accounts from the Account Summary screen, just click the Remove Account button, and select the appropriate account.
How do I know what account number to use when I add accounts in Internet Banking?
If you're not sure what your account number is, talk to a Lake Trust representative at a local branch or call the Member Contact Center at 888.267.7200.
What is Internet Banking?
Lake Trust's Internet Banking is a powerful service that provides you state-of-the-art ways to conduct your business online. It's a highly personalized and comprehensive financial management tool. Take care of your Lake Trust business quickly and easily with convenient 24/7 account access.
When can I expect Internet Banking to have scheduled down time and what is its maintenance window?
To improve Lake Trust's Internet Banking performance, Internet Banking will be unavailable the 2nd and 3rd Sundays of each month from 1:00 am to 6:00 am, and Bill Payer will be unavailable December 4th, 1:00 a.m. ET - 6:00 a.m. ET.
We apologize for any inconvenience this may cause.
I can't find my question listed here.
Within Internet Banking, you'll find a help system that answers questions as they arise. If your question is browser specific, you should check your browser's help system.
Where can I get help with my financial software?
Start with your software's help menu or check the maker's website:
Where can I get help with my browser?
A good place to start is with your browser's help menu. If you can't find the answer there, check the maker's website. Here are a few links that provide technical information and downloads:
Exactly what equipment and software do I need to access Lake Trust's Internet Banking?
You'll need an Internet service provider, a modem (28,800 baud or higher is recommended), and browser software which supports Secure Sockets Layer and is 128 Bit Encryption capable (i.e. Netscape 6.x or newer, Microsoft Internet Explorer 5.x or newer, current browser version is recommended). Using browsers that aren't capable of 128 Bit Encryption could put your personal information at risk and are therefore not supported - please check with your computer software support for upgrades.
Javascript must be enabled to be able to access Internet Banking. Keep in mind that if you're trying to access Internet Banking from the browser on your mobile device that some mobile devices do not have Javascript automatically enabled.
For best results, we recommend Microsoft Internet Explorer 7.0 or higher. Customized browsers like SBC-Yahoo, AOL, and MSN aren't supported. Lake Trust doesn't support Macintosh browsers; however, some members that do use Macintosh systems have been able to access using the most recent Apple Safari or FireFox browsers.
Lake Trust's Internet Banking doesn't work with Macintosh systems using the Internet Explorer browser. Microsoft ended support for Internet Explorer for Mac on December 31, 2005, and isn't providing any further security or performance updates for Mac users.
Our Internet Banking also doesn't work with Web TV. Web TV doesn't support industry standard software, and recent changes to the Web TV browser have made it incompatible with some software. Specifically, Web TV isn't able to interpret JavaScript accurately. As WebTV's website notes, "full compatibility with all standards is impossible due to the small amount of memory in the original WebTV systems."
We recommend you be on the most recent release of whatever browser version you're using.
Is the Internet safe and secure for online banking?
Yes. This is a common concern with banking and commerce on the Internet. Data on the Internet is safeguarded by encryption as it moves between systems. Data residing on a system can only be accessed by using an authorized User ID and Password.
Guarding the privacy and security of our members' personal and financial information is one of our top priorities. Lake Trust Credit Union uses state-of-the art software and technology to prevent unauthorized users from accessing your accounts.
You can help safeguard your personal and financial information by protecting your User ID and Password. A proper combination of your User ID and Password is the only way to get access into your accounts. It's important to keep this information secure. Remember to look for the security symbol on your browser and make sure https: appears in the address line. Lake Trust Credit Union's Internet Banking URL is https://ib.laketrust.org and should always appear in the address line when you log in. You can also check the security certificate within your browser as the ultimate authority as to whether you're truly at our site. The certificate should display that it's assigned to ib.laketrust.org.
It's also very important to always click the 'Sign Off' button in Internet Banking when you're finished. This will assure that others that use your computer will not be able to log into your accounts without your User ID, Password and answers to your Personalized Security Questions.
Can anyone else see my account information? Is it out in the public?
No. Your online account information is available through access methods that have been rigorously tested for security accessibility. The information isn't public. Only you can access it using your User ID and Password.
You can help safeguard your personal and financial information by protecting your User ID and Password. A proper combination of your User ID and Password is the only way to get access into your account. It's important to keep this information secure and to sign off when you are finished.
I can view other areas of Lake Trust's website but I can't get into Internet Banking. What's wrong?
If you're able to view other areas of our website, but are unable to access Internet Banking, it may indicate that you're having a problem accessing secured sites in general. To protect your personal information, both your browser and Internet service provider must support SSL secured sites. Refer to the requirements for using our Internet Banking. Using other browsers may prevent access.
Another reason you might not be able to access Internet Banking is your cookies may not be enabled. In order to enter the secure encrypted site, you must accept the cookies.
Why is it important to select "Sign Off" when I'm finished using Internet Banking or when I walk away from my computer?
Once you have signed into Internet Banking, you've begun an "active session." If you walk away during the course of an active session, someone else can use your computer to perform transactions involving your accounts. It's similar to walking away from an ATM while your card is still in the machine.
For your security, our Internet Banking will automatically end your active session if there is no activity on your session for 15 minutes. However, to eliminate any exposure, it's always best for you to end the active session by selecting "Sign Off".
How can I contact Lake Trust Credit Union?
We're always here to help. You can email us through the Mail Box within Internet Banking, use Lake Trust's Chat on our website, or call 517.267.7200 or 888.267.7200.
Usage
I performed a transaction in Internet Banking, but it doesn't show in the history.
Most transactions occur immediately. However, there are times when the server that completes the transaction isn't available. When that happens, Internet Banking waits for access, and then completes the transaction. It's always safe to log back in and confirm that your transaction occurred if it doesn't appear immediately on your register.
Can I have more than one checking account linked to Internet Banking?
Yes. You can link all of your checking accounts as well as savings, CDs, and Loans.
How current is this information?
Most transactions and balance updates are reflected on Internet Banking as soon as the transaction is performed. For example, any transaction you do at a branch or an ATM will immediately appear in Internet Banking. It may take one to three business days for debit card transactions to appear in Internet Banking. Checks written will appear as they're cashed and processed.
Does Lake Trust's Internet Banking work with other accounting software (i.e., Quicken®, or Money®)?
Absolutely. Our Internet Banking was designed to be highly compatible with these popular software programs and many others. Simply click the Money® or Quicken® link on the left side of the screen or select the Reports button and then File Export for these and other choices to be exported into a file for import into your accounting software.
How do I automatically access my Internet Banking transactions from within a third-party financial software (i.e., Quicken, Money, etc.)?
Lake Trust Credit Union supports exporting account transactions to a third-party financial software only by first logging into Internet Banking and using the exporting feature under the Reports section. Lake Trust currently doesn't offer the ability to automatically access your financial information from within third-party financial software, but this is something we'd like to offer to our members in the future. At this time, there are industry-wide issues that need to be resolved before we can offer this feature to our members, specifically, government regulations now require multi-factor authentication to any financial information accessed online.
Since you allow me to rename my accounts, do you have any suggestions on naming accounts?
When you use Edit Account to change the name of an account in Internet Banking, please make sure you always keep the account number and type of account in the name, such as savings, checking, loan, certificate, etc. For example, if you wanted to change your Secondary Savings Account to Vacation Fund, you'd want to make sure you add the account number and the word "Savings" somewhere in the name, such as "12345678 Vacation Savings Fund". The new name you give this account will not only show in Internet Banking but also on your statement. By using the full account number and type of account in the name, it'll help you identify your account and aid in any account research if necessary.
On the Accounts screen, there is a button that says Remove Account? Why would I do that?
When you choose Remove Account, this is giving you the option to not view this particular account in Internet Banking. The account still remains on Lake Trust's computer system. If you need to close an account, you need to stop into any Lake Trust branch or call the Member Contact Center at 517.267.7200 or 888.267.7200. We're here to help.
Why can't I see some of my check images?
If your paper check was converted to an electronic check directly from the merchant, this clears your account immediately and Lake Trust doesn't receive the actual paper check for imaging. It may take one to two business days for an electronic check image to appear on Internet Banking.
Another reason may be that our check imaging system is currently unavailable. Please check back shortly or you can email us through the Mail Box within Internet Banking, use Lake Trust's Chat on our website, or call 517.267.7200 or 888.267.7200.
Why is my check image stamped with "NSF"?
If your Checking Account didn't have sufficient funds to cover the check when it was first presented to Lake Trust, it may be stamped with NSF (Not Sufficient Funds) and returned to the merchant. The merchant may have deposited your check a second time and your Checking Account did have sufficient funds to pay the check. You'll then see that initial NSF stamp on the check image even though the check was paid the second time.
In the check image, I can't see what I wrote on the check?
We recommend you use medium point black or blue ink when writing checks, especially if you have very colorful checks. Use of other writing utensils, such as light colored pens or pencils, will result in very light images of what you wrote on the check.
What is the best way for me to print my check images from Internet Banking?
For a printer friendly version of the check image, click on your check image. You'll see your check image enlarged and on a page of its own. Use your browser's print option to print this enlarged check image.
What are E-Statements and how do I view them?
E-Statements are an electronic version of your paper statements. To view your E-Statement, click on the E-Statement link at the top of the Accounts page. This will open a new window where you'll select the statement you wish to view. You'll only be able to view account information where you're the primary owner.
When I use my Debit Card, why do I sometimes see the name of the company and other times I see only the address?
When you use your Debit Card like a credit card and sign for your purchase, the company name will show. However, when you use your Debit Card and enter your PIN, the company address will show. If you want to see the company name, use your Debit Card as a credit card.
Why is my Available Balance different from my Current Balance?
Your Current Balance is the amount of funds in your account, but the Available Balance is often less because your transaction holds have been deducted. For example, if you had $100 in your account and used your debit card to buy $20 of gas, the terminal at the gas station sent a message to the credit union that you wanted to spend $20. Our computer approved the transaction, and put that money aside. That withdrawal is held and this amount comes out of the Current Balance, leaving you with an Available Balance of $80.
How can I track my transaction holds?
If your Available Balance is less than your Current Balance, your Available Balance will have a blue line underneath, indicating it is a hyperlink to your transaction holds. Once you click on it, it will take you to an Account Holds Detail page that lists your transaction holds. If the Available Balance doesn't have a hyperlink, this indicates you have no transaction holds.
What transaction holds are listed?
Holds can consist of ATM deposits and withdrawals, Debit Card purchases, and checks deposited at a branch that have had a hold put on them. With Debit Cards, in some instances a transaction may not appear in the Accounts Hold Detail because there may be a lag between the times the merchant asked for approval and when they actually sent through the transaction. Personal checks you have written that haven't posted to your account aren't deducted from the Available Balance and won't show in the list of transaction holds. Some miscellaneous transactions that may appear in the Account Hold Detail are an IRS Levy, garnishment, and legal or NSF holds.
Enhanced Internet Banking Security
What is the enhanced security feature?
Our Internet Banking Security system will track your Internet Banking access habits, such as where you access Internet Banking from and what times of the day you typically access Internet Banking, to determine if there is any unusual behavior involving your accounts. If we detect any out of the ordinary activity, we'll ask security questions only you know the answers to so we can ensure it's you and not someone else trying to access your account. This should only happen on rare occasions. For example, if someone tries to sign in with your user ID and password from a computer in a foreign country shortly after you've logged off from your normal computer at home, we may decide to verify that it's really you trying to access your account.
Why is my Internet Banking security changing?
In order to make your Internet Banking experience as secure as possible, we're introducing an upgrade to our enhanced Internet Banking security. The new security may, very frequently, prompt you to verify your identity before continuing.
When do I have to enroll by?
We encourage you to participate upon your earliest convenience. However, you will have two opportunities to skip enrollment into the enhanced security. The third time you sign into Internet Banking, you will be required to enroll. Once you've enrolled, any out of the ordinary activity that's detected may trigger you to answer your security questions, and you can feel safer knowing we've provided an additional layer of security to your account.
How do the security questions work?
You'll be asked to select and answer five security questions that only you know the answers to. There will be dozens of questions to choose from. If you or someone else attempts to log in from a new or unrecognized computer, you'll need to answer the security questions that only you know the answers to before being allowed to continue.
What is unusual or uncharacteristic behavior?
Unusual or uncharacteristic behavior is anything that appears out-of-the-ordinary compared to how you normally bank online and where you normally bank online. If the action being requested doesn't appear to be something you normally do, we'll ask for more information to make sure it's really you and not an unauthorized user.
I'm having trouble accessing Internet Banking through the new online security enrollment.
This could mean the settings on your computer may need to be adjusted. Some things you might try:
- Add Lake Trust's Internet Banking as a trusted site — Internet Explorer: Tools > Internet Options > Security tab > Trusted Sites > Sites > add https://ib.laketrust.org as a trusted site OR for Firefox Tools > Options > Privacy > Exceptions > add https://ib.laketrust.org as a trusted site.
- Sometimes Internet Explorer doesn't set off the cookie alert when your web browser's privacy settings are blocking our site, which means you could go through the enrollment process unaware of the problem with cookies; however, it won't allow you to enroll. Sometimes this is caused by a virus package with web filtering that's installed on the computer. If this looping occurs on the computer you're trying to enroll from, try enrolling from a different computer.
How do you recognize the computers I normally use?
The enhanced security feature will remember the unique signature of your computer(s). If you're using a public computer or one that you don't normally use to access your accounts online you will most likely be asked to answer a few of your security questions.
Why do I need the enhanced security feature?
Recently there have been attempts by fraudsters to trick people into revealing their personal information, such as passwords, by creating fake websites that look very much like the sites of legitimate financial institutions. They send out emails with links to these fake websites claiming you need to log into your accounts. This is called phishing. We're committed to proactively protecting you against these types of threats. By monitoring whether any out of the ordinary activity has occurred and/or by asking you your security questions, you can be sure your information is being entered into our legitimate site.
Why am I being asked security questions when I try to login?
We ask your security questions when we detect that there has been any out of the ordinary activity such as entering an incorrect password or accessing your account from a new/different computer. This helps us make sure it's really you trying to access your accounts.
Can I access my accounts from multiple computers?
You can still access your accounts from any number of computers. If you login from a new or unrecognized computer, you may need to answer the security questions after you've entered your password.
I share my computer with someone who has their own accounts. Can both of us still login from the same computer?
You can both use the same computer to login to your individual accounts. There's no limit on how many people can login to Lake Trust's Internet Banking from the same computer; however, if someone else logs into Lake Trusts's Internet Banking from the same computer, there's a higher chance that you'll be promoted to answer the Security Questions. Also, it's very important that you Sign Off from Internet Banking rather than just closing the browser when finished.
Can I change my Security Questions?
You can change your Security Questions at any time by contacting us at 888.267.7200.
What if I forget my Security Questions or Password?
Contact Lake Trust Credit Union at 888.267.7200.
What if I don't recognize my Security Questions?
Contact Lake Trust Credit Union at 888.267.7200.
I already have anti-virus protection and a personal firewall. Why do I need this enhanced security feature?
Your anti-virus program and personal firewall are important to protect your computer against viruses and other threats. Be sure you keep both software programs up-to-date for the best possible protection. This enhanced security feature protects against other kinds of threats, such as a stolen User ID and password. It protects you from accidentally revealing your User ID or password to a fake site. In addition, if someone does try to login to your accounts, they would be asked your security questions which only you should know the answers to. It works with your other personal security programs, but doesn't replace them.
Is my personal information safe?
Yes. In fact, your personal information is safer than ever before because we're making sure it's really you and not an unauthorized user trying to access your information.
Will I still be able to use account aggregator services such Yodlee to access my account information?
Any change in account structure may affect the accessibility through account aggregator services. If this is an issue, contact your account aggregator for a possible solution.
Bill Payer
What is Bill Payer?
Bill Payer allows you to pay your bills online. This electronic bill payment service through CheckFree eliminates writing and mailing checks. You decide which bills to pay, the amount, and the payment dates. Set up is easy and you can pay just about anyone in the United States you would normally pay by check or automatic debit. You don't even have to receive a bill from the company or person you want to pay - like the teenager who mows your lawn.
- Pay all of your bills conveniently from the Payment Center.
- Review a summary of your pending payments and also payments you've made in the past 45 days.
- Receive some of your bills online - Bill Payer can receive e-Bills from hundreds of billers nationwide.
- Set up automatic payments for your e-Bills and automatically schedule payments of set amounts at regular intervals.
- Review your bills and payments for the past six months.
- Export your payment information to Quicken® and Microsoft Money®.
How does Bill Payer work?
To pay your bills online, you easily set up the companies and people you want to pay. After you add your bills, go to the Payment Center where you'll find the Pay Bills section that lists all of the bills you've added. To pay a bill, you simply enter a payment amount and the date when you want the company or person to receive your payment. A date can also be selected from the calendar.
How do I sign up for Bill Payer?
You can sign up for Bill Payer anytime you want. Just click on the Bill Payer button within Internet Banking. You'll be notified that you're not currently enrolled and given the opportunity to enroll. Simply acknowledge you want to enroll, and you can immediately start using the service.
How much does it cost to use Bill Payer?
Lake Trust Credit Union Bill Payer is FREE to all members.
How long does it take to set up a new biller?
Setting up a new biller is easy. Once you're on the Bill Payer Payment Center screen, click on Add a Bill at the top of the screen. Follow the easy-to-use steps to set up your biller. Once set up, your biller appears in the Pay Bills section of the Payment Center. You can immediately enter an amount to be paid and choose the date offered or select another date.
When I set up my payment in Bill Payer, why can't I take the funds from my Savings or Money Market Account?
Due to government regulations, you must have the funds for any Bill Payer payment come from your Checking Account. Lake Trust has several Checking Accounts to meet your needs.
Should the payment date I put in Bill Payer be the date the payment is due?
That's up to you. Your payment is guaranteed to reach your biller by the date you enter. If you want the payment to arrive at your biller prior to the due date, enter that date rather than the due date. Bill Payer will show you the earliest date that your payment will arrive at your biller. If you prefer, you may choose a later date. Please refer to the Bill Payer Terms and Conditions for exceptions to this guarantee.
When are the funds taken out of my account when I schedule a payment through Bill Payer?
Most Bill Payer payments will clear your account on the due date you specified. The funds will remain in your account until that payment date. Always make sure there is enough money in your account when the Bill Payer payment is processed on its due date.
When are my payments delivered and how can I make sure my biller receives my payment on the due date?
Your payment will be processed for delivery on the date you choose. Payments are processed Monday through Friday. While most payments reach your biller in a day or two, we recommend you submit payment requests a minimum of five business days in advance of when the payment is due. This ensures there is sufficient time to process your payment and get it to the biller by the due date.
Why does it take a few days to process payments?
While most payments are sent electronically and arrive in a day or two, some billers are unable to accept an electronic payment. In this case, we send through the U.S. Postal Service an actual paper check, either directly from CheckFree or your Checking Account to your biller. Once the biller receives the check, it may take a day or so for that biller to process the check and post it to your bill with them. By allowing a minimum of five business days for processing and delivery, we can guarantee that your bills are paid on time. Please refer to the Bill Payer Terms and Conditions for exceptions to this guarantee.
Can I choose the method of payment used in Bill Payer?
No. Bill Payer processes all payments with the best method in mind.
Why did my payment get sent as a check?
Some of the possible reasons why payments are sent by check:
- Registration: The biller is not registered with CheckFree as an electronic biller.
- Restrictions: The biller may specify that they accept electronic payments, but only above or below a certain amount which is determined by each biller. (Example: Biller XYZ only accepts electronic payments up to $1000; a check will be sent for any amount above that).
- Subscriber Payment History: If a subscriber has a history of NSF transactions with the bill pay service, some payments may go as checks because CheckFree is unwilling to risk losing their money.
- Reversibility: A biller may not allow reversibility (CheckFree's ability to reverse the payment and retrieve their funds in the event that the subscriber is NSF). High dollar amount payments to that biller would be sent as checks instead of electronically.
- Risk Limits: CheckFree will set a certain amount they will risk per day, week, or month, that they will use their own funds to send payments on behalf of a subscriber. This is where the subscriber's credit worthiness and payment history with CheckFree can come into play.
- Biller Account Changes: Recent changes or re-issuance of the biller account number may have occurred.
- Biller Processing: The biller may have temporarily switched the payment method to paper, while they update processing information.
How can I prove payments were made through Bill Payer?
With each bill payment, you're given a Confirmation Number. This indicates your payment has been processed and is used for tracking payments. Cleared payments and transfers also appear on the Register screen within Internet Banking. If you see an 'X' near the end of the account information, the transfer or bill payment has posted against your account. Your Lake Trust monthly statement will indicate the date and amount of the payment. Your biller should also show the payment in their records.
What happens if I don't have enough money in my account to cover a bill payment?
Bill Payer is designed to pay your bills on the date you select. We want to give you every opportunity to protect your credit rating. The payment will be sent to your biller to cover the payment. If your account is short of funds, but has sufficient overdraft protection through pre-authorized transfer from other Lake Trust deposit accounts or your Lake Trust Line of Credit, those will be used to cover your payment with the normal transfer fees. If funds are not available in your account when your bill is processed, an NSF fee will be deducted from your account and at our discretion, your account will either be negative or your payment will be returned to CheckFree Corporation for collection.
What if Lake Trust's Internet Banking goes down? Will my Bill Payer payments be made?
You can be comfortable knowing that any payment you've already scheduled prior to the system going down will be processed. If you were in the middle of a transaction when you lost your Internet connection and there is some question as to whether the system has received your request, just contact us to make sure your transaction request has been accepted. We'll be happy to help. You can email us through the Mail Box within Internet Banking, use Lake Trust's Chat on our website, or call 517.267.7200 or 888.267.7200.
What should I do if a biller has not posted my payment?
You should allow a few days for your biller to process your payment. If your biller hasn't posted the payment to your bill after a few days, go into the Bill History tab within Bill Payer and click on the View Detail of that payment. You can click on the Payment Inquiry link to inquire about the status of the payment. The payment will be traced and a status response will be sent to you within the Messages section in Bill Payer.
Can I assign different bills to different checking accounts?
Yes. You can assign different bills to different checking accounts. Click on the drop down menu next to Account and choose which account you want the bills to be paid from.
Is there any additional fraud protection offered in paying my bills online?
We have state-of-the-art technology working behind the scenes to increase the security of your bill payment transactions. To help prevent potential bill payment fraud, the system will review pending payments and compare them to your bill payment patterns, as well as current fraud trends. This information will be updated as your payments change over time. If the system detects a variation in your bill pay pattern, it will provide our experienced fraud representatives the opportunity to review the payment.
During the process, a representative may need to call you to ensure your payment is valid. We'll verify your name and address and will not ask you for your social security number. If it is found to be fraudulent, the payment will be prevented from processing and the impact of additional fraud activity will be reduced. If you receive a call asking about a scheduled bill payment, please take a moment to talk to our experienced fraud representatives to verify your bill payment account activity.
Transfers
What if Internet Banking goes down? Will my transfers go through?
You can be comfortable knowing that any transfer you've scheduled, either as a one-time or recurring transfer, prior to the system going down will go through. If you're in the middle of a transaction and you lose your Internet connection, and there's some question as to whether the system received your request, you can email us through the Mail Box within Internet Banking, use Lake Trust's Chat on our website, or call 517.267.7200 or 888.267.7200 to ensure your transaction request has been accepted.
How can I prove transfers were made through Internet Banking?
Cleared transfers will appear on your Register screen. If you see an 'X' near the end of the account information, the transfer has posted against your account. Your monthly statement will also indicate the date and amount of the transfer.
Can I stop or modify my request to transfer funds?
Yes. Until your scheduled transfer is processed, you can modify or cancel your funds transfer request. However, after a scheduled funds transfer transaction is complete or you do a one-time immediate transfer, you can't stop the transfer from occurring. At that point, if you change your mind about the amount you want to transfer, simply make a new transfer to move the funds back between the appropriate accounts.
Cross-member transfers are considered one-time transfers and occur immediately. If you do a cross-member transfer that you later want to undo, you'll need to contact the member that you transferred funds to and ask them to transfer the funds back. Cross-member transfers are designed with safeguards in place to prevent transfers to an account unknown to you; however, if this unlikely event does occur, contact us immediately.
How do I make changes to recurring transfers?
After setting up recurring transfers, you can change the source and destination accounts, the total number of transfers, and the date, amount, and frequency of transfer.
- Select "View/Edit Pending Transfers"
- Select the account you want to modify
- Make appropriate changes
When are recurring transfers processed?
Recurring transfers are processed Monday through Friday at 5:00 p.m. Eastern Time.
What if my recurring transfer is scheduled for a Saturday or a Sunday?
Recurring transfers scheduled for a Saturday or Sunday will be processed at 5:00 p.m. the following Monday.
Can I make unlimited online transfers from my Savings and Money Market Accounts?
No, withdrawals from all Savings and Money Market Accounts are limited by Regulation D (Reg D). This is a federal regulation all financial institutions must follow. It puts restrictions on the number of withdrawal transactions through electronic channels that are allowed on Savings and Money Market Accounts. Reg D limits these withdrawals to six (6) per month.
Technical
Why are cookies required to use Internet Banking? How do I enable them?
Cookies keep track of your Internet Banking session. Without an assigned cookie (which only contains a session number), you'd have to re-enter your User ID and Password for every transaction. If you received a message about enabling cookies on Internet Banking, please refer to your browser's (Internet Explorer, Netscape, etc.) help menu. If you need further assistance, contact us.
What is encryption?
Encryption is a sophisticated method of scrambling data before it's transmitted by your computer, so that all information, including passwords and online bill payments, is completely unreadable by unauthorized third parties.
When online information is encrypted in Netscape, a small, unbroken key or lock icon appears at the bottom left-hand corner of your screen. For Microsoft browsers, an unbroken lock icon appears on the bottom right-hand of your screen.
When trying to log in, I'm continually rerouted to the login page without an error message.
This problem can apply to any browser with cookies or JavaScript (ActiveScripting in Internet Explorer) disabled.
When you attempt to login, an icon of an eye with a circle with a negative sign appears at the bottom of the window in the browser status bar.
One possible cause we've found in Internet Explorer 6.x and AOL 7.x is that privacy settings don't allow Internet Banking to write the session cookie necessary for access. To resolve the issue:
- Double-click on the icon of the eye/circle
- Select "Settings" on the window that appears
- Either change your privacy settings to "Medium High" or click "Edit" and enter laketrust.org in the address field and select "Allow"
I'm unable to log directly into Internet Banking and once in, unable to conduct certain transactions (WebTV® only).
WebTV handles the "HTTP POST" directive in a way that's incompatible with Internet Banking. At this point, our online banking software currently only supports Internet Explorer and Netscape. Any further developments will be posted here.
I'm unable to log into Internet Banking (Macintosh users).
This can happen if Macintosh users are using Internet Explorer as their browser. Microsoft stopped supporting Internet Explorer for Macintosh in December 2004. If this is the case, try using a different browser. The following link provides a free download for Apple's Safari web browser:
http://www.apple.com/safari/download/°
° Third-party website. Lake Trust Credit Union is not responsible for the content, availability, security or compliance of any linked third party websites. In addition, the site's privacy policies may differ from those of Lake Trust.
