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Consumer
Card Controls
Zelle®
Bill Pay
Business
ACH Tips
Fraud Resources
Educational Resources
Same Day ACH Guide
Card Controls
After you’ve downloaded our Lake City Bank Digital app, follow these steps to set your debit card alerts and restrictions.
- Log in to our new app and tap Card Controls in the Account Services menu. This will pull up our new Card Controls app in your phone’s app store.
- Download the Card Controls app, then go back to the Lake City Bank Digital app and tap Card Controls again. This will open the Card Controls app.
- Tap Get Started.
- Enter your card information to add your card.
- Verify your identity.
- Reset your alerts and restrictions for the card.
After initial setup, you can add your other cards as needed. Tap Card Controls in the Lake City Bank Digital app Account Services menu to easily access the Card Controls app, and view and edit the alerts and restrictions on your cards. Don’t forget you can also turn your card on and off, a very helpful feature if your card gets lost or stolen! Remember, if you’re turning your debit card off because of fraud, you’ll still need to call the bank to close that card and order a new one. Turning your card off in Card Controls only prevents the card from being used while it’s turned off.
Bill Pay
Enroll in Bill Pay
- Select Pay Bills under Transfers/Payments.
- Choose at least one account, then select Enroll in Bill Pay. A message will pop up confirming you have successfully enrolled.
- Select Continue to Bill Pay to go to the Bill Pay page.
Add a Person or Business to Pay
- If you have just enrolled in Bill Pay, the option to add a new payee will pop up in the Bill Pay page. Otherwise, select Pay Bills under Transfers/Payments, then select the +Add payee link to the right of the search box.
- Fill out the required information for your payee (name, address, etc.), then select Preview.
- Review the payee information. To make changes, select Edit. Otherwise, select Save Payee.
- You will receive confirmation the biller was successfully added. Select Close on the confirmation window to go back to the main Bill Pay page.
Make a Payment
You can make payments one bill at a time by selecting the three-dot menu beside the payee name, then Pay Now. Fill in the amount and choose the send on date, then select Submit Payment.
You can also pay multiple bills at a time by entering payment amounts and send on dates on the main Bill Pay screen. After you enter the dollar amount(s) of the payment(s) and choose the payment date(s) for the payee(s), select Review Payments. Review the payment information. To make changes, select Edit Payments. Otherwise, select Submit Payments.
Modify or Delete a Payee
Click on the three-dot menu beside the payee name. Select Edit payee to make changes to that payee or Delete payee to delete them.
Options Menu
Select the Options button to the right of the +Add Payee link. Select Visit Bill Pay Site to go to the full Bill Pay experience with all its advanced options. Select Edit “Pay from” accounts to change which accounts you pay your bills from. Select Delete a payee to easily delete multiple payees at a time.
ACH Tips
Getting started with ACH is a one-time enrollment process. Once your account is set up, you can initiate ACH transactions for multiple payees without repeating the setup.
Use the tips below to help you manage ACH transactions effectively. If you have questions, please contact our One Call Center at (888) 522‑2265.
Authorization
To use ACH, you must have written authorization that includes language about reversing in case of error.
Retain authorization for two years after it is revoked because you must be able to provide it within five days if requested.
Pre-notes (test entries)
Pre-notes are test entries–you must wait until the third day following settlement of the pre-note to send the live entry. For example, send pre-note Wednesday. It is effective Thursday. Wait Friday and Monday for a correction or rejection. Send the live entry Tuesday. (If Monday is a federal holiday, send the live item on Wednesday.)
Class Codes
Standard Entry Class Code PPD is for consumer transactions; use it if the receiver is an individual.
Standard Entry Class Code CCD is for corporate transactions; use it if the receiver is a business.
Corrections
Notices of changes or rejects are available in Lake City Bank Digital (via single sign on to Reporting), usually before 10 am. (Correction reasons begin with a C and do not include dollar amounts. Reject reasons begin with an R and may or may not include dollar amounts.)
If you receive a correction, change the information either in the template or within your accounting software before sending another ACH transaction to that person/entity.
Returns
If you resubmit an ACH debit (collection) item that is returned for any reason, you must use RETRY PMT as the description. This includes NSF and uncollected funds items as well as items returned for administrative reasons such as account closed, no account/cannot locate, invalid account format, etc. Be sure to update your information and include this new description when you resend the payment. Use your normal description for all future payments from the same receiver.
If you charge a fee for a returned payment, charge it separately from the initial item and you must use RETURN FEE in the company entry description field.
If an item is returned as a stop payment (R-08), contact your client to ask why. Consumers are permitted to place a permanent stop payment on items from a company as well as a one-time/one-payment stop payment. Businesses are only permitted to place a one-time/one-payment stop payment.
If an item is returned as authorization revoked (R-07) or unauthorized (R-10 for consumer, R-29 for business), obtain a new authorization before sending any additional ACH transactions to that person/entity.
Fraud Resources
Looking for steps you can take to protect you and your business from fraud? Check out the links below.
Online Safety Information from the Federal Trade Commission (FTC)
Business Email Compromise
Small Business Cybersecurity
