A business day is Monday through Friday, excluding Federal holidays and as otherwise posted in our branches or at www.lsbia.bank.
ATM Deposit and/or Withdrawals:
- Transaction must be made before 2:00 pm CST on a business day in order to be considered deposited that day.
- Transaction made after 2:00 pm CST will be processed the next business day.
- The first $1000 of a deposit transaction through an ATM will be in their available balance. If the deposit was done before 2 pm CT, the deposit amount will be credited to the account at end of day processing.
Remote Deposit Anywhere (RDA) or Remote Deposit Capture (RDC):
- Deposits must be made before 6:00 pm CST on a business day in order to be considered deposited that day.
- Deposits made after 6:00 pm CST on a business day will be considered deposited the next business day.
Online Banking Transfers: (Between your LSB accounts only.)
- Transaction must be made before 4:00 pm CST on a business day in order to be considered that day.
- Transactions made after 4:00 pm CST on a business day will be considered deposited the next business day.
Bank to Bank Transfers: (Transfers between your LSB account and your account at another financial institution.)
- Transaction must be made before 2:00 pm CST on a business day in order to be considered that day.
- Transactions made after 2:00 pm CST on a business day will be considered deposited the next business day.
Rapid Transfers: (Transfers funds instantly between your LSB account and your debit card at another financial institution.)
- Transfers can be completed 24/7 including nights, weekends, and holidays.
- There is a fee equal to 1.75% of the amount being transferred with a minimum fee of $0.50.
Wires:
- Domestic wires transmitted by 3:00 pm CST on a business day will be considered sent same day. Wire information should be received by the bank by 2:00 pm to ensure same day transmission.
- International wires transmitted by 1:00 pm CST on a business day will be considered sent same day. Wire information should be received by the bank by 12:00 pm to ensure same day transmission.
Bill Pay:
- Transaction must be made before 2:00 pm CST on a business day in order to be considered that day.
Pay a Person:
- Transaction for transferring by ACH to another bank must be made by receiving end by 4:00 pm CST on a business day in order to be considered next business day ACH.
- Bank Direct payments are instant.
- Debit Card payments are instant with a $2 fee to the receiving person.