Bank Accounts

How do I check my account balance?

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.

How can I make transfers between my accounts?

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.

How do I enroll in online banking?

Click here to enroll in online banking.

How do I reset my online banking password?

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.

How do I change my online banking user ID?

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.

How do I reorder checks?

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

I’ve lost my debit card, what should I do?

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.

My debit card has been stolen, what should I do?

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.

I’m going to be traveling and would like to use my LSB debit card, what should I do?

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.

I’m moving, how do I make changes to my account?

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.

What is Leighton State Bank’s routing number?

Our routing number is 073916778.

How do I activate my debit card?

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.

How long does it take to get a debit card?

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.

What are the charges for a debit/ATM card?

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.

What are the limits on my debit card?

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.

What is the cutoff time for deposits & transfers?

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

How do I sign up for Brella™?

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

How do I sign up for mobile deposit?

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.

How do I enroll in bill pay?

Visit the online services page for detailed information.

Are your interest rates posted online?

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

How can I transfer money from my LSB account to an account at another financial institution?

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.

Loans

Can I make my loan payment by credit or debit card?

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.

Can I use online banking to make my loan payment?

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.

I paid off my loan, now what?

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.

How do I set up an automatic loan payment?

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.

How much car can I afford?

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.

How much do I need to save for college?

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

How much will my loan payments be?

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

Should I consolidate my loans?

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.

Mortgages

Are there any loan programs that don’t require a down payment?

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.

If I’ve filed bankruptcy in the past few years, can I still qualify for a mortgage loan?

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.

What are some of the benefits of government loans?

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

What is an ARM loan?

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.

How is my ARM rate determined?

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

Should I refinance?

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.

How much will my fixed rate mortgage payment be?

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

Investments

Is a Roth or traditional IRA best for me?

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.

How do I get started investing?

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.

What factors should I consider when making an investment choice?

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.

How much can I save over time?

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.

How much do I need to get started?

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!

What costs or fees are involved with investing?

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.

Can I invest for my children?

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.

Retirement

When should I start saving for retirement?

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.

At what age should I start receiving my social security benefits?

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.

How long will my retirement savings last?

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.

How much money do I need to retire?

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.

BrokerCheck:

BrokerCheck is a free tool which is part of FINRA’s ongoing efforts to help investors make informed choices about brokers and brokerage firms. Use BrokerCheck for information about the background of an investment professional.

Disclosures:

  1. Securities products offered or sold are not insured by the Federal Deposit Insurance Corporation (FDIC) or other deposit insurance.
  2. Securities products offered or sold are not deposits or other obligations of Leighton State Bank and are not guaranteed by Leighton State Bank.
  3. Securities products offered or sold are subject to investment risks including possible loss of principal.
  4. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC.
  5. Advisory Services through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser.
  6. Cambridge and Leighton Investment Services are not affiliated.
  7. Tyler Klyn and Micky Snieder are Registered Representatives with Cambridge Investment Research, Inc., a FINRA Registered Broker-Dealer. While Cambridge Investment Research, Inc. is registered to sell securities in all 50 United States and the District of Columbia, Tyler Klyn is currently registered to sell securities products in Alaska, California, Colorado, Florida, Iowa, Kansas, Kentucky, Michigan, Missouri, Montana, Nebraska, Oklahoma, South Carolina and Wisconsin. Micky Snieder is currently registered to sell securities products in Arkansas, Arizona, District of Columbia, Illinois, Indiana, Iowa, Maryland, Michigan, Minnesota, Mississippi, North Carolina, Ohio, Oregon, South Dakota, and Texas.

    Cambridge’s Form CRS (Customer Relationship Summary)