FAQ

There are a variety of ways you can check your balance: digital banking, at the ATM, automated telephone banking or by calling/visiting any one of our branch locations.

You can make transfers on your accounts using our digital banking, mobile banking, automated telephone banking, at the ATM or by calling/visiting any one of our branch locations.

Click here to enroll in online banking.

If you have forgotten your password, click here.

If you would like to change your password, sign in to your digital banking account and navigate to “settings” by clicking on your profile on the top right of the screen. Click “Security,” then edit your password.

If you would like to change your Username, log in to your digital banking account and navigate to “settings” by clicking on your profile on the top right of the screen. Click “Security,” then edit your Username.

You can reorder checks on this website. If you receive free checks, please contact us so that we may order them for you.

Please contact us as soon as you know the card is lost. If you are unable to reach us during business hours, please call Shazam, our preferred service provider, at 866-508-2693 and they will be able to assist you.

We recommend using our Brella™ mobile app, which also allows you to turn your card off and on at your convenience. To learn more, view the Brella™ Cardholder Quick Guide here.

Please contact us as soon as you know the card is lost. If you are unable to reach us during business hours, please call Shazam, our preferred service provider, at 866-508-2693 and they will be able to assist you.

We recommend using our Brella™ mobile app which also allows you to turn your card on and off at your convenience. To learn more, view the Brella™ Cardholder Quick Guide here.

Please contact us so we can place a travel notification on your debit card. The travel notification will alert our fraud monitoring services of your upcoming travel plans and be taken into consideration when monitoring card activity outside of your normal transaction history.

You can also use the Brella™ app to submit a travel notice.  Directions are available on the Brella™ Cardholder Quick Guide, available here.

If you use digital banking, you can change your contact information by clicking on your User ID icon or profile picture.

If you do not use online banking, you can call or stop by a branch location to request a change of address or change to your phone numbers.

All other changes would need to be done in person at one of our branch locations.

Our routing number is 073916778.

Please visit www.fdic.gov for information on FDIC insurance limits.

If it is a new debit card, once you receive the letter and your debit card, you will find the Shazam Easy PIN phone number located on the sticker on the face of the debit card. Make the call from the telephone number on file with Shazam, enter the full card number, expiration date and the three-digit security code on the back of the card, and to validate you will enter the last four digits of your social security number. Follow this to activate your card.

If it is a renewal debit card, once you have the letter and the card, you’ll need to call the Shazam Easy PIN phone number. Make the call from the telephone number on file with Shazam, enter the full card number, expiration date and the three-digit security code on the back of the card, and to validate you will enter the last four digits of your social security number. Follow this process to complete the activation.

You can expect to receive a debit card by mail 3-5 business days after opening your account. If you have lost your card, or it has been compromised by fraud, and you need a new card as soon as possible, please call us at 641-628-1566.

There are no charges for a debit/ATM card unless the card is damaged or lost. For a damaged or lost card there is a $10.00 replacement card fee.

The standard daily ATM limit is $750 for a debit card.

The standard daily point of sale limit is $1,000 for a debit card.

The standard daily ATM limit is $200 for an ATM card.

Our cutoff time for deposits and transfers is 5:00 PM (Central).

Please visit the Brella™ site or download the Android or iOS apps.  For the Brella™ user guide, click here.

You must be enrolled in LSB’s Online Banking and have our LSB360 app on a supported iPhone or Android phone. Open your mobile banking app and select ‘Deposit’. You will be prompted to select the accounts you wish to deposit to. You can expect your request to be approved within one business day.  More information is available HERE.

Visit the online services page for detailed information.

Yes! Use the following links to see our current CD rates, savings account rates and checking account rates.

You can use LSB’s digital banking to transfer money to an outside account. Log in to your online banking account and click on “Pay a bill” to use this feature. You will have the option to add a company or a person as your payee.

We do not have the ability to accept payments made by credit or debit card. We are able to do cash advances on credit cards at our Pella drive up location if you need to use your card.

You can use your online banking to make a loan payment as long as you would like to make a principal and interest payment. Online banking is not ideal to make payments on lines of credit. Be aware that the interest will be paid first so the payment might not be applied as you like if you choose to use online banking to make payments.

Ten days after your payoff has been received, your note will be stamped “paid” and mailed to you. Any collateral that is not attached to another note will be processed at this time.

A release will be filed with the county recorder for all real estate mortgages.

Auto titles will be released and sent to the county treasurer for filing.  The title will then be sent to you, so please let us know if you have moved.

UCC filings will be terminated with the secretary of state.

It’s simple. There is a one-page document that you will need to sign. If you choose to set up a payment coming from another financial institution you will need a voided copy of a check along with the bank name and address, the account number and bank routing number. Contact us to set up automatic payments.

This calculator computes the most expensive car you can buy based on the highest monthly payment you can afford. The calculated amount includes taxes and documentation fees.

This calculator computes the amount you need to save each month in order to pay for college.

Use this calculator to compute the payment amount (principal and interest) for a fixed rate loan.

This calculator determines the advantage or disadvantage of consolidating various loans and credit card debt. Click the “Add” button to enter up to a total of 10 different loans and credit cards.

Yes, there programs available that would offer either no down-payment or little down-payment options.  Contact our residential team to discuss the varying qualifications for those programs.

Ultimately there are many factors that make up the qualification process. It would be best to contact someone from the residential team to discuss what options may be available.

Government loans offer options for little to no down-payment, and some offer discounts or credits on appraisals, origination fees or loan costs.

ARM stands for adjustable rate mortgage. It means that the initial rate is locked in for a certain period of time, then it can adjust, and will generally be locked back in for another period of time.

The rate is determined by your qualifying credit score and loan-to-value of the request.

When you refinance at a lower interest rate, you usually pay refinancing costs including points, fees and closing costs. This calculator will tell you if the amount you save in interest will exceed these refinancing costs. The calculated results depend on how long you plan to keep this property.

This calculator computes the payments (principal and interest) for a fixed rate loan.

Investing in an IRA can be a great way to save for retirement. Our calculator can help you determine whether a Roth or traditional IRA is best.

The best way to start is with a plan. What are your goals and what actions are needed to accomplish them? Give us a call and we can start the conversation.

There are a variety of factors depending on what you are trying to accomplish. Some of the factors that we most commonly address are goals, risk, time frame and cost. Contact us and one of our knowledgeable advisors will help you account for these important factors as you weigh your investment choices.

Wondering what you might be able to save by putting away small amounts each month? Use this calculator to estimate your future savings by simply entering your current balance, deposit amount, rate of return and how long you plan to save for.

At Leighton Investment Services, we don’t have minimums or turn people away. We want to serve and assist people at all stages. Virtually any amount that you want to start with by saving on a monthly basis—let’s talk about what route may be right for you!

As with any product or service, costs and fees are involved with investments. We strive to be transparent while explaining the wide variety of options and ways to invest. We are committed to finding the best products and value for each of our clients.

There are many ways to invest for your children, whether it be for education, home purchase or other various needs and goals. We can help you talk through what options offer the best route for your specific situation.

The short answer is that you should get started now! Ideally, you want to get started as early as possible. Giving your savings more time to grow allows the powerful wealth-building phenomenon known as compound interest to work in your favor. The sooner you start, the more time you have to achieve your goals. Take a look at this calculator to learn more.

To answer this question correctly we would need to know exactly how long you’re going to live! Obviously, we can’t know that answer, but we do know the average retired couple will receive over $1 million from Social Security during their lifetime. The claiming strategy you use will have a significant impact on the amount received. Visit our office and we can help you calculate different claiming scenarios and explain which strategy might fit best in your plan.

While there are many variables and things that are beyond our control, we are able to use expectations along with historical figures to get a feel for how long your savings might last. Use this calculator to get a start, then come into an office to discuss saving and investment strategies.

Contrary to popular belief there is no fixed, magic number. The answer to this question depends on your goals, your lifestyle in retirement, sources of retirement income and a number of other factors. We can help you build, monitor and implement a personalized retirement plan. Call us today and we can help take some of the guesswork out of retirement.