Information Regarding COVID-19

COVID-19 Updates

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Lake City Bank Branch Lobbies Open Today, June 15, 2020

We’re pleased to announce that all Lake City Bank branch office lobbies are open for full service today, June 15, 2020, with normal hours. Since closing our lobbies on March 21, 2020, we have successfully served our clients and communities with drive up and by appointment visits. Yet, we miss you and are looking forward to seeing you in our offices! The June 15th date is consistent with the start of Stage 4 of the Back on Track Indiana Plan.

We will continue to observe safety protocols based on recommendations of the Centers for Disease Control and Prevention, the Indiana State Department of Health and local public health officials. In addition, we formed a Branch Reopening Task Force of employees from across Lake City Bank to determine the guidelines under which we can safely reopen our offices. We will keep these safety protocols in place until it is determined that the public health risk posed by COVID-19 no longer requires the precautionary measures.

Our employee Branch Reopening Task Force has established the following guidelines that all of us must follow to enter our branch offices, beginning June 15:

  • All employees, customers and visitors must wear a mask while in one of our offices. If you don’t have one, we will give you one. If you cannot wear a mask for medical reasons, please contact the branch or visit the drive up prior to your visit so we can make arrangements to serve you. Upon entering the office, you must sanitize your hands with the hand sanitizer available at the entry. Our team members will be sanitizing their hands and surfaces inside the branch frequently during the day.
  • The Lake City Bank team member who greets you on entering the branch may require you to quickly lift your mask to confirm your identity, or may ask you for identification or to answer questions that will confirm your identity.
  • Inside the branch, we ask that you observe social distancing by remaining six feet from others while inside the office. Our branches will have floor markings to help guide you.
  • To avoid overcrowding in our offices, we may require you to wait outside the office until others leave.

While we don’t like all of these precautions, they exist for the safety and well-being of our team members, clients, partners and communities. Please respect our teams as much as we respect you and follow these guidelines. We appreciate your cooperation and patience as we navigate this crisis. Please contact me if you have any questions regarding this information at david.findlay@lakecitybank.com or at (574) 267-9197.

We are looking forward to seeing you in person! Thanks for your partnership with Lake City Bank.

David M. Findlay
President and Chief Executive Officer

An Update from Lake City Bank

May 15, 2020 – In the weeks that have passed since the Coronavirus pandemic began, we’ve taken steps to protect our team members and customers. At the same time, we have adjusted the way we do business so we could continue to provide banking services to you. Last week, the state of Indiana began a phased program to re-open the state. We believe that this careful, measured approach is the best one to keep everyone safe and continue to control the spread of the virus.

At Lake City Bank, we’re following just such an approach. Our branches have remained open through the pandemic, limited to drive-up and lobby service by appointment. We are connecting with our peers in the area to share best practices. We will open our offices more fully when we’re confident that we can do so safely for all concerned.

We appreciate your business and your trust in us. Please stay tuned to lakecitybank.com for more information, click on our Frequently Asked Questions for more information, and call our One Call Center at (888) 522-2265 with questions.

New Information about Payroll Protection Program loans from the SBA

We’ve learned the SBA has stopped accepting applications for Paycheck Protection Program (PPP) loans as the processed loan volume has reached the $349 billion level authorized by the CARES Act. We are proud that Lake City Bank has filed 100% of the applications for which we had received all required client information as of April 15, 2020. We are disappointed that the SBA system will not accept additional applications at this time. While the SBA will no longer accept applications from any lenders to make PPP loans, it has been widely reported that Congress is anticipated to authorize expanded PPP funding to continue to meet the payroll needs of small businesses struggling during the Coronavirus pandemic. Given the uncertainty around increased funding, and knowing demand remains for businesses to take care of their employees, Lake City Bank will continue to work with our clients to gather information necessary for an application should the SBA reopen the program with additional funding. Please continue to provide the required Borrower Application and supporting documentation to your Lake City Bank relationship manager. For current applicants unsure of the status of your application, please feel free to call your relationship manager for an update. For customers who were informed of your approval, we are working on processing your documents for signature and funding within 10 calendar days since the date of your approval.

Lake City Bank is proud of our ability to meet the needs of so many businesses as a Preferred Lender of the SBA. We appreciate your business and stand ready to assist with all of your banking needs – both now and into the future.

Sincerely,

Eric H Ottinger
Executive Vice President
Commercial Banking Manager

We’re here for you

As we continue to weather the Coronavirus storm, Lake City Bank wants you to know that we’re here to help. We remain open for business—not quite as usual, but we are ready as usual to help you deal with your financial needs during this unusual time.

  • Our branches are open regular hours for drive-up service. If you need something that requires meeting face-to-face, call your branch for an appointment, or use the drive-up window to request access to the branch lobby. Find branch locations, hours and phone numbers here.
  • Our One Call Center is open and ready to help. Call (888) 522-2265 Monday through Friday from 7:00 am to 7:00 pm, Saturday 8:00 am to 5:00 pm, and Sunday 10:00 am to 4:00 pm.
  • Our bankers—whether you’re a business customer, a consumer banking customer, a Wealth Advisory Group customer or a Lake City Investments customer, are on duty and ready to help. Please call your relationship manager with questions.
  • You can access your accounts digitally through our online and mobile solutions. Sign up and find out more here.
  • If you’re having trouble making payments on your loans or mortgage, please let us know. Call your branch manager for more information. Find your branch location and phone number here.
  • Watch this page for updates.

This unprecedented situation has required us all to adapt. Our doors are open and we’re here to be your financial partner—whether at a branch or virtually—our top concern is the safety of our employees and our customers as we continue to navigate these uncharted waters.

Sincerely,

David M. Findlay
President and Chief Executive Officer

Update: Paycheck Protection Program Launches

The much-anticipated PPP Loans program has launched. The bank has already experienced high demand for the program, which will offer some relief to small businesses affected by the COVID-19 virus, and expects a record number of applications.

Lake City Bank is ready to help. Based on very high loan demand, our priority will be to process applications for existing business customers. If you have a business deposit and/or loan account at Lake City Bank as of March 15, 2020, we can take your application for this loan program now. If you would like to apply, you can find a PDF version of the Small Business Administration’s application here. If you would prefer a fillable PDF, find it here. To complete your application, we will need payroll details and other documentation. You’ll find a checklist of the required documentation here. We are continuing to learn more about the SBA approval system and may add or delete items from the Borrower Checklist as we continue to gather information and experience, so please refer to the latest version posted on our website before sending your application and documentation.

It’s important to recognize that the demand for these loans is very high and funds are limited. While we’re committed to moving your PPP application forward as quickly as possible, it’s clear that unprecedented volume, guidance and details that remain relatively fluid and limited access to the SBA’s application system will hamper the banks’ ability to move through the process efficiently. We anticipate that approvals and funding will reflect the high volume that the SBA will experience, so we counsel patience with the process.

We appreciate the opportunity to help you weather this difficult time. Please contact your banking officer with questions and to arrange submitting your application and documentation. We will post updates on this page and our SBA Loans page.

Update: Support for Businesses During the COVID-19 Crisis

As an SBA lender, we’re excited to be able to help you take advantage of the Paycheck Protection Program launched by the Treasury Department and the Small Business Administration. Details and guidance on the program remain fluid. That said, many financial institutions and advisors have made promises and provided access to applications and other information that remain unconfirmed and far from finalized. While we are ready and willing to help you in this process if you decide to participate, we’re also committed to providing details and tools for applying when we are certain that we have the facts to move forward.

Based on what we know now and very high loan demand, our priority will be to process applications for existing business customers. If you have a business deposit and/or loan account at Lake City Bank as of March 15, 2020, we will take your application for this loan program as soon as the program parameters are finalized by the SBA. Limited exceptions may apply, so please contact your relationship manager to discuss your eligibility.

More information from the Treasury Department is available here. Please check this page for updates and more information. To determine if you would like to consider a PPP loan, we encourage you to review the guidance, further details and terms from the Small Business Administration.

We will confirm when we can submit applications to the SBA as soon as we have accurate details to properly book and process them. In addition to completing an application, you will also need to prepare the necessary payroll calculations along with any related financial documentation or verification required, and gather any other items that are required under the program so we can expedite your loan request.

We’re committed to moving your PPP application forward as quickly as possible. We appreciate the opportunity to help you weather this difficult time. Please contact your banking officer with questions.

COVID-19 Update: We’re here to help.

Throughout our 148 year history, the communities Lake City Bank serves have seen plenty of economic challenges. Through it all, we have stood ready to assist our customers and the communities where we are lucky to live and work. From our beginning in 1872, Lake City Bank has been a force for good in our communities, and that remains true during this most recent crisis. Indiana’s “stay-at-home” order reflects the understanding that banking is a critical piece of the nation’s economic infrastructure, and allows banks to be open for business as usual. In fact, the Department of Homeland Security’s recent memorandum requires banks to continue to operate to meet financial needs of our communities.

While the current situation has required us to adapt how we deliver service to protect our employees and our customers, rest assured that we stand ready to help you. All of our offices and departments remain fully staffed and ready to meet your banking needs, including our branches that are open for drive-up and limited lobby service. Lake City Bank understands that you may be experiencing stress and new challenges right now, and we are here to navigate this uncharted territory with you. Please let us know what we can do to help.

During the first several days of limited lobby access, we’ve seen a tremendous response from our clients and communities, with no long lines or service disruption. As a matter of fact, we’ve seen increased use and adoption of Online Banking and Mobile Banking for both consumers and business clients.

If you have not enrolled in Online Banking or Mobile Banking, it only takes a few minutes. Click here to enroll in online banking. From your mobile phone, click here to download the Lake City Bank mobile app or search “Lake City Bank” in your app marketplace. You must be enrolled in Lake City Bank online banking to enroll and sign in to the mobile app. Business customers can enroll in Business Online and Business Mobile using the links on this page or search “Lake City Bank Business” in your app marketplace.

We’re proud of our heritage of taking care of our clients, our communities and our Lake City Bank team members. This crisis has reaffirmed our dedication to each of you. Thank you for your partnership with Lake City Bank. We’re in this together, as we have always been.

Regards,

David M. Findlay
President and CEO

Update – Limited Lobby Service Starts March 21

Lake City Bank has been working hard to balance the availability of our 50 physical banking offices while protecting the health and wellbeing of our employees and clients. Given the federal government’s recommendations to promote social distancing, we are putting measures in place to minimize interactions in our branches.

Beginning Saturday, March 21, we will transition all of our offices to limited lobby accessibility until further notice. We will plan to restore normal operations as soon as possible, but that timeline will be determined by recommendations of public health officials. For all of our offices with drive-up facilities (44 of 50), we will continue to provide services through these facilities for common transactions, including check and cash deposits, change orders, making payments, cash withdrawals and more. For other requests that cannot be completed at the drive-up facilities as well as at locations where no drive-up service is available, customers will be given access to the branch lobbies by appointment to transact their business. For these requests, please call your Lake City Bank office to schedule an appointment or identify your need at a drive-up facility and the staff will handle it appropriately. A list of our 50 offices and telephone numbers is here. This transition to limited lobby accessibility will allow for the Lake City Bank team to perform routine cleaning and disinfecting of all work areas and drive-up equipment throughout the day as customers come and go.

We understand that access to your accounts at Lake City Bank is critical and we wanted to share several options with you to maintain that connectivity in the event that you do not wish to visit a branch location. We encourage you to use Lake City Bank’s digital tools and other resources for self-service banking and 24/7 account access. You can access your accounts online or by using the Lake City Bank mobile app at your convenience. Using online banking and mobile banking, you can make payments, view transactions, check balances, find an ATM and perform most of the functions you can in any Lake City Bank office. It’s easy and fast to manage your accounts digitally.

If you have not enrolled in Online Banking or Mobile Banking, it only takes a few minutes. Enroll now. Click here to enroll in online banking. From your mobile phone, click here to download the Lake City Bank mobile app or search “Lake City Bank” in your app marketplace. You must be enrolled in Lake City Bank online banking to enroll and sign in to the mobile app.

Business customers can enroll in Business Online and Business Mobile using the links on this page or search “Lake City Bank Business” in your app marketplace.

We also understand that there may be instances where customers find themselves facing financial difficulties. Should you find yourself in need of assistance, please contact us. Should you need to establish additional consumer accounts or apply for a consumer loan, these actions can also be done securely on this website. In addition, our One Call Center team is available to support you through email, phone and online chat as needed. They can be reached at (888) 522-2265 Monday through Friday from 7:00 am to 7:00 pm, Saturday 8:00 am to 5:00 pm, and Sunday 10:00 am to 4:00 pm.

All branches will remain fully staffed and ready to meet your banking needs during these uncertain times. Lake City Bank understands that you may be experiencing stress and new challenges right now, and we are here to help navigate this uncharted territory with you.

To ensure we continue to serve you and our communities in the best way possible, we will provide updates on our banking services and coronavirus-related information through our website, social media and email. We may also reach you through the Announcements section on the Online Banking home page or the Alerts and Messages section on the Business Online home page, so please make sure your contact information is current.

You can find the branches and ATMs closest to you, including hours and directions, by visiting our branch locator. Please trust that we will continue to monitor the situation closely, evaluate additional measures and adjust our service to you as needs arise. We stand ready to serve you and appreciate our relationship with you. For additional information about COVID-19, visit the Centers for Disease Control and Prevention.

Thank you for your understanding as we modify our service delivery model to allow us to do the right thing for our employees and clients. We are grateful for your partnership.

David Findlay
President and CEO

COVID-19: A Message to our Customers, Communities and Friends:

The Lake City Bank team is closely monitoring the coronavirus (COVID-19) situation. Clearly, this has been a fast evolving situation and we are monitoring it day-to-day. Concern for the safety, health and well-being of our employees and our clients is the driving force of our active management of this event. It’s also critically important that Lake City Bank provide secure and convenient access to your funds and continue to provide you with the tools to manage your financial matters.

Our office locations continue to remain open to serve you. We will continue to monitor the situation and will let you know on this page if there are any changes to our office operations. Where possible, our drive-through service windows will be staffed in anticipation of increased traffic. We understand that access to your accounts at Lake City Bank is critical and we wanted to share several options with you to maintain that connectivity in the event that you do not wish to visit a branch location.

We encourage you to use Lake City Bank’s digital tools and other resources for self-service banking and 24/7 account access. You can access your accounts online or by using the Lake City Bank mobile app at your convenience. Using online banking and mobile banking, you can make payments, view transactions, check balances, find an ATM and perform most of the functions you can in any Lake City Bank office. It’s easy and fast to manage your accounts digitally.

If you have not enrolled in Online Banking or Mobile Banking, it only takes a few minutes. Enroll now. Click here to enroll in online banking. From your mobile phone, click here to download the Lake City Bank mobile app or search “Lake City Bank” in your app marketplace. You must be enrolled in Lake City Bank online banking to enroll and sign in to the mobile app.

Business customers can enroll in Business Online and Business Mobile using the links on this page or search “Lake City Bank Business” in your app marketplace.

We also understand that there may be instances where customers find themselves facing financial difficulties. Should you find yourself in need of assistance, please contact us. Should you need to establish additional consumer accounts or apply for a consumer loan, these actions can also be done securely on this website. In addition, our One Call Center team is available to support you through email, phone and online chat as needed. They can be reached at (888) 522-2265 Monday through Friday from 7:00 am to 7:00 pm, Saturday 8:00 am to 5:00 pm, and Sunday 10:00 am to 4:00 pm.

To ensure we continue to serve you and our communities in the best way possible, we will provide updates on our banking services and coronavirus-related information through our website, social media and email. We may also reach you through the Announcements section on the Online Banking home page or the Alerts and Messages section on the Business Online home page, so please make sure your contact information is current.

To find the branches and ATMs closest to you, including hours and directions, visit our branch locator.

Please trust that we will continue to closely monitor the situation, evaluate additional measures and adjust our service to you as needs arise. We stand ready to serve you and appreciate our relationship with you.

For additional information about COVID-19, visit the Centers for Disease Control and Prevention.

Regards,


David M. Findlay
President and CEO

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