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Q: How do I download transactions into Quicken®, QuickBooks®, or Money® (versions 2005 and higher)?
A: Online Banking users can download account transactions directly into Intuit Quicken, QuickBooks, and Microsoft Money (versions 2005 and higher) by using the export feature. First, select the account you want to download, then choose "Export" from Transactions menu. Choose the desired statement cycle (e.g. previous statement), then select Intuit Quicken (.QFX), Intuit QuickBooks (.QBO) or Microsoft Money (.OFX) export format and click the Export button. When prompted to download the file, click "Open" to load the transactions directly into your financial management program.
Q: What is the “Message Center” that is now displayed on my Consumer Bill Pay screen?
A: The “Message Center” now displayed in the bill payment system is a secure communication method for contact with our bill pay support staff. Since e-mails are inherently unprotected, this message center now allows you to communicate safely with our support area, allowing you to provide account numbers and other personal information online. Request payment details or submit other secure information to help our bill pay support staff better assist you.
Q: What is the difference between Express Transfer and Scheduled Transfer?
A: Express Transfer is the preferred method for making one-time transfers or payments. With Express Transfer, funds are posted immediately and appear as"Current Business Day" transactions. In order to schedule a future-dated or recurring transfer/payment, Scheduled Transfer must be used.
Q: I scheduled a transfer online from my savings account to my checking account using the Scheduled Transfer method. The savings debit has posted on the date I specified, but the checking account credit is showing under "Current Business Day" transactions - Why?
A: Scheduled Transfers are posted during the evening processing update (unlike Express Transfers, which are posted immediately). The transactions are posted in application and account number order (checking accounts first, then savings accounts; low account number to high account number). If a Scheduled Transfer is created that posts "out of order" (i.e. savings to checking, checking account # 999112555 to checking account # 8881517511), the credit will appear as a "Current Business Day" transaction on the requested date; the debit will appear on the date specified.
Q: What are the system requirements for Online Banking?
A: To access Lakeland Bank’s Online Banking, you will need a computer with Internet access and an Internet browser with 128-bit encryption and is best viewed with Internet Explorer 6.0 or higher. Please note: You may experience problems using this site with Netscape Navigator (Business Online Banking is not compatible with Netscape) or on a Macintosh system. For optimal viewing, please set your monitor resolution to at least 800 x 600 pixels.
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Q: What if I think that someone has illegally obtained my Access ID or password or has enrolled my account for online banking without my knowledge or permission?
A: If you believe your online banking login information has been obtained by someone or another person has requested access to your account, you must contact the bank immediately at (973) 948-9511, extension 271.
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Consumer Bill Pay FAQs
Q: What if I pay a bill and I don’t have enough money in my account to cover it?
A: Our Bill Payment system will process all payments that you request to be paid. These debits will post to your account that evening (or the evening of the update) and can be viewed on the following business day. Payments that result in an overdraft to the account may be returned unpaid and are subject to overdraft fees.
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Q: If I don’t have enough money in my account to pay a bill, will I be notified?
A: All bill payments requested by an online banking user will be processed. If the payment causes an overdraft in your account, the payment may be returned unpaid and the account is subject to overdraft fees. Notification will be mailed to the accountholder at that time.
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Q: How do I sign-up for Bill Pay?
A: After logging in to the online banking system, click on the “Bill Pay” button. Complete the enrollment form and submit. Your enrollment will be processed within 72 hours.
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Q: How do I access my Bill Payment page?
A: After your Bill Payment enrollment has been processed, or you are a current bill pay user, you will notice that a link appears at the bottom of your Accounts page. Click on the link (the primary account number you registered for bill payments) to access the Bill Payment system.
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Q: Why can’t I pay certain new payees I just set-up today?
A: Our Bill Pay vendor, iPay, is proud to boast the lowest payment-reject percentages in the industry. How do they do it? All payees are verified for correct remittance information, including address and payment method. If a payee will accept electronic payments, iPay will remit them electronically for the fastest and most efficient crediting. Once verified, the payee will always be available for immediate payment initiation.
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Q: What level of Bill Pay service should I choose?
A: Lakeland Bank offers two Bill Payment services to choose from to best suit your bill payment needs.
Basic Bill Pay
This service is provided FREE to any Lakeland Bank checking accountholder.
- Make unlimited payments to electronic vendors only.
- Set-up recurring or future-dated payments.
- Transfer funds to your account at another financial institution
- Send money electronically to anyone with an e-mail address
- LiveChat and Toll-Free Telephone support Monday through Friday, 7:30 am until 11:00 pm (ET).
- Cost: FREE
Classic Bill Pay Plus
This service will allow payments to anyone, either electronically or via paper draft ("check").
- All the features of Basic Bill Pay, plus:
- Pay multiple bills from one screen
- Pay from more than one checking account
- Categorize vendor payments
- Create payment history reports
- Enhanced security and e-mail notifications
- Memo and comment Fields
- New Gift Pay Service
- COST: $5.95 per month; Lakeland Bank Checkmate Platinum and Power Checking Customers: FREE.
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Q: Who do I contact about questions or problems with the bill payment service or a bill payment made through the new online banking system?
A: Bill Payment support is available Monday through Friday, 7:30 am to 11:00 pm. You may contact our support area as follows (all options are available from the bill payment page):
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For questions about bill payments made through the online banking system, please contact the bank at (973) 948-9520 or at csr@lakelandbank.com.
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