At Lake City Bank, we define Stewardship—one of our core values—as taking care of people: our employees, customers, communities, and shareholders. That means being thoughtful about every detail, including how our operations impact the environment.

Our efforts range from using LED light fixtures to recycling paper, cardboard, and electronic equipment. Learn more about our recycling program.

Naturally, banking involves paper—statements, notices, receipts, and more. But producing and disposing of paper uses significant resources, including water, trees, and electricity. That’s why we continue to invest in solutions that reduce paper waste without compromising service.

“The most efficient way to reduce waste is to avoid producing it in the first place,” said Stephanie Leniski, Executive Vice President and Chief Retail Banking Officer. “That’s why we encourage customers to choose digital delivery. It’s safe, easy, and reduces paper consumption.”

Partnering with Customers to Cut Paper Waste

eStatements
Nearly 55% of Lake City Bank customers have opted for eStatements, saving an average of 2.27 million sheets of paper each year since 2022—not to mention envelopes, postage, and delivery energy. Customers can also choose electronic delivery for tax documents and notices, extending the impact even further.

Mobile Deposits
In 2012, approximately 5,500 checks were deposited via mobile. That number has surged to over 95,000 in 2024—an increase of more than 2,000%. Each mobile deposit saves paper receipts and often eliminates a trip to the branch.

Digital Tools for Business
Autobooks, introduced in 2022, helps businesses send digital invoices and accept online payments. In 2024, nearly 9,000 payments were processed, including 3,600 invoices—transactions that previously would have potentially required multiple sheets of paper.

We’re also in the process of developing a fully online small business loan application through Lake City Bank Digital. Every online loan approval is expected to save 15–20 sheets of paper compared to traditional closing packets.

More Paper-Saving Solutions

• Skip-a-Pay
  Newly offered through Lake City Bank Digital, our Skip-a-Pay program allows eligible customers to defer a loan payment up to twice a year. By offering and promoting the program digitally, we save roughly 1,200 printed mailings each quarter—including paper, envelopes, and postage.
• Cash Line Overdraft Protection
  Our Cash Line line of credit, available to open entirely online, saves up to 11 printed pages (single-sided) per account by using electronic documents and e-signatures.
• Online Account Opening
  Customers can open a range of personal checking and savings accounts online without needing to print or sign paper forms.

We’re Just Getting Started

“Stewardship is more than just a word for us—it’s how we operate,” Leniski said. “We’re proud of the paper reductions we’ve achieved with our customers, and we’re committed to expanding digital solutions that make an even bigger impact.”

All loans are subject to credit approval.