FAQs

Our hours vary at our different offices. Visit our locations page for more information.

Lincoln Savings Bank's routing number is 073905527.

You must follow the instructions within the email to set up an account to access the secure website that allows you to view your encrypted email message from Lincoln Savings Bank.

Yes, Lincoln Savings Bank (LSB) is a member of the Federal Deposit Insurance Corporation (FDIC). As of October 3, 2008, your deposits are insured up to $250,000 per depositor. Your money is safe with Lincoln Savings Bank.

You may qualify for more than $250,000 in coverage at one insured bank or savings association if you own deposit accounts in different ownership categories. The most common account ownership categories for individual and family deposits are single accounts, joint accounts, revocable trust accounts, and certain retirement accounts.

To estimate the amount you're covered to, visit https://edie.fdic.gov/calculator.html.

We do authorize and pay overdrafts for the following types of transactions:

• Checks and other transactions made using your checking account number
• Automatic bill payments

We do not authorize and pay overdrafts for the following types of transactions unless you ask us to: (you will be given the opportunity to indicate whether you want Lincoln Savings Bank to pay these types of overdrafts on the next page)

• ATM transactions
• Everyday debit card transactions

Lincoln Savings Bank pays overdrafts at our discretions, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined.

Under our standard overdraft practices:

• We will charge you a fee of up to $35 each time we pay an overdraft.
• There is a limit of 8 overdraft fees per day for overdrawing your account.

If you want us to authorize and pay overdrafts on ATM and everyday debit card transactions, you can complete the form on this page. 

• Or, you can call (800) 588-7551
• Or you can complete and print the opt-in form and either present it at any branch or mail it to:

Lincoln Savings Bank
508 Main Street
Reinbeck, IA 50669

An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts in two different ways:

1. We have standard overdraft practices that come with your account.
2. We also offer overdraft protection plans, such as a link to a savings account or a draw on an open-end line of credit, which may be less expensive than our standard overdraft practices. Learn more about your overdraft options.

If you forget your Online Banking password, click here to reset it. If you have forgotten your username, you will need to call Lincoln Savings Bank’s Operations Department at (800) 588-7551.

A Secure Access Code is an automatically generated code that is needed to access Online/Mobile Banking on unregistered devices. When logging into Online/Mobile Banking from an unregistered device, you will be prompted to select the delivery method for your one-time Secure Access Code.

You will not be required to register any devices; however, if you choose not to register your devices you will be required to enter a Secure Access Code each time you log in.

You may have to register your device again in the following circumstances:

• You use a different browser on your desktop.
• You delete and reinstall the Mobile Banking app.
• Certain browser security settings prevent cookies from being saved, or clear all cookies when the application is exited.
• We reset registration for all users for security reasons.

If the phone number we have on file is no longer valid, please contact us at (800) 588-7551.

You are not required to register your device; however, if you do not click “Register Device”, you will be required to enter a Secure Access Code (SAC) each time you login. We do not recommend registering a public or shared computer.

To report your card as lost or stolen, please contact Visa directly at (844) 491-2992.

Once you have received your debit card, you can call (844) 491-2992.

VISA Debit card transactions can be completed in a number of ways: sign your receipt; place an order online or by phone or mail; enter a personal identification number (PIN); or simply swipe your card at select merchants that do not require your signature.

Many merchants do not require a PIN or signature for VISA Debit card transactions for small purchase amounts. This helps speed up checkout. Similarly, when you shop online or by phone and can't sign for your purchase, you still receive all the benefits your VISA Debit card provides when you select VISA as your payment option.

When you run a debit transaction, you type in your PIN, and the funds are immediately deducted from your account. When you run a credit transaction, you sign for your transaction, and the transaction is processed through the VISA network. The funds may or may not be immediately deducted from your account.

You can use your VISA debit card anywhere worldwide VISA is accepted.

Yes, using your VISA Debit card is a fast and easy way to pay your bills. You save time and avoid the hassle of writing checks and paying late fees or missing payments. You can pay for wireless phone service, cable/satellite TV and insurance, and even set up recurring payments. Plus, you get all the benefits VISA Debit card provides, including greater convenience, enhanced security and easier record keeping.

VISA chip technology offers additional layers of security when used at a chip reading terminal because it generates a unique, one-time code that is needed for each transaction to be approved.

Contactless payments use short-range wireless technology to make secure payments between a contactless card or payment-enabled device and a contactless-enabled checkout terminal. When you tap your card or device near the Contactless Symbol, your payment is sent for authorization.

Yes! Just like with a chip card, each transaction is accompanied by a one-time code that securely protects your payment information. You can’t pay accidentally—your card must be within 1-2 inches of the terminal for the sale to register. And you won’t be billed twice, even if you accidentally tap twice.

Yes! Your chip card will also have the usual magnetic stripe on the back so you can continue to use your card at ATMs and point of sale terminals.

Auto Rental Collision Damage Waiver (ARCDW) gives cardholders insurance coverage for physical damage and theft, reasonable and customary towing and valid loss-of-use charges and administrative fees when they reserve and pay for a rental car with their Visa Traditional Card. For the easy claim process, go to www.eclaimsline.com or call to talk to a Benefit Administrator at 1-800-348-8472 (outside the U.S., call collect: 1-804-673-1164) to initiate your claim. You must sign and return your claim form (or if you prefer, file online) within 90 days of the date of incident – you can supply any outstanding documentation afterwards.

How the benefit works:

• Cardholders must reserve and pay for the entire rental with their covered card
• Cardholder must decline the Collision Damage Waiver coverage offered by the rental agency and make sure the cardholder’s name is listed as the primary renter on the auto rental contract
• Any additional drivers must also be listed on the auto rental agreement
• In the event the cardholder needs to file a claim, the agents are committed to making sure they receive every dollar that they are eligible for under the policy
• Cardholders have the option to file the claim at www.eclaimsline.com and upload the required document, pictures, etc.

~Certain terms, conditions and exclusions apply. In order for coverage to apply, you must use your covered Lincoln Savings Bank visa card to secure transactions. Please refer to your Guide to Benefits for further details.

You must reserve and charge the rental in full on your covered Lincoln Savings Bank card and you must decline the Collision or Loss Damage Waiver offered by the rental agency. The name embossed on the card must be listed as the primary renter on the rental agreement and all authorized drivers must be listed on the rental agreement. You must also follow all of the terms and conditions of the rental agreement.

For domestic rentals, this benefit covers the rental vehicle for physical damage and theft. Coverage does not apply to loss or theft of personal belongings, injury to anyone or personal liability. Within your country of residence, you may rent the vehicle for up to 15 consecutive days per contract and you must report damages to the Benefit Administrator within 45 days of the incident. Coverage is up to the actual cash value of the rental vehicle as it was originally manufactured.

For international rentals, this benefit covers the rental vehicle for physical damage and theft. Coverage does not apply to loss or theft of personal belongings, injury to anyone or personal liability. You may rent the vehicle for up to 31 consecutive days per contract and you must report damages to the Benefit Administrator within 45 days of the incident. Coverage is not available in Jamaica, the Republic of Ireland, Northern Ireland or Israel. It is not available where it is prohibited by law or by individual merchants, or is in violation of the territory terms of the rental agreement. Please note: Regulations vary outside the United States, so it is recommended that you check with the auto rental company before you travel to make sure this benefit will apply.

Most private passenger automobiles, minivans and sport utility vehicles are eligible, but some restrictions may apply. All other vehicles are not covered, including expensive, exotic and antique automobiles; cargo vans and certain other vans; vehicles that have an open cargo bed; trucks; motorcycles, mopeds and motorbikes; limousines; and recreational vehicles. Please contact the Benefit Administrator at 1-800-348-8472 (outside the U.S., call collect: 1-804-673-1164) to inquire about a specific vehicle.

You are responsible for gathering the necessary documentation to complete your claim. Please note, you must sign and return your claim form (or if you prefer, file online) within 90 days of the date of incident – you can supply any outstanding documentation afterwards (all documents must be submitted within 365 days of the incident). The required documents are listed on the claim form and include:

• Copy of initial rental agreement and final rental agreement
• Copy of your receipt or monthly billing statement showing the charge of the rental
• Estimate of repairs
• Itemized repair bill from the rental agency
• Police report, if obtainable

 The Benefit Administrator may ask you to provide additional information (if applicable)

Roadside Dispatch® gives cardholders protection when they are on the road. This is a pay-per-use roadside assistance program. Cardholders are able to take advantage of pre-negotiated rates for common service issues (e.g. locksmith or tow service).

How the benefit works:

• Cardholder calls 1-800-847-2869 for roadside assistance
• Roadside Dispatcher will inquire as to the cardholder’s location, the nature of the problem and will remain on the
• phone while arranging a dispatch to a reliable tow operator or locksmith
• Cardholder pays a set pre-negotiated fee per standard service call

Note: Customers must pay service provider for mileage over five miles. A secondary unit being towed behind is not included but can be accommodated for an additional fee. Standard Winching applies within 100 feet of paved or county maintained road only. Additional fees may apply for winching services under certain circumstances. Additional Terms: Service providers supplying emergency roadside assistance and towing are independent contractors and are solely liable for their services. Neither Visa nor Lincoln Savings Bank shall have any responsibility or liability in connection with the rendering of the service.
Emergency roadside assistance and towing may not be available in areas not regularly traveled, nor in other “off road” areas not accessible by ordinary towing vehicles. Weather conditions, time of day, and availability of service may affect assistance responses. Expectations for dispatch are set with the customer on every call, and an expected estimated time of arrival is provided to the customer regardless of their location; however, neither Visa nor Lincoln Savings Bank provides any assurances as to the ability of the Service Provider to meet such estimates. You are responsible for any roadside assistance or towing charges incurred by facilities responding to your request even if you are not with your vehicle or your vehicle is gone upon their arrival. Services provided by United States Auto Club, Motoring Division, Inc. Current fee for a standard service call is $69.95. Service call fees are subject to change at any time; however, callers will be notified prior to any service dispatch. This program may be discontinued at any time without prior notice. Program void where prohibited.

The following kinds of service calls are common examples of what is covered for your set pre-negotiated fee:

• Standard Towing – up to five miles included1
• Tire Changing – you must have a good, inflated spare tire
• Jump Starting
• Lockout Service – no key replacement
• Fuel Delivery – up to five gallons (plus the cost of fuel)
• Standard Winching

Just call us toll free at 1-800-847-2869. Roadside Dispatch will ask you where you are and what the problem is. While they remain on the phone with you, Roadside Dispatch will arrange a dispatch to a reliable tow operator or locksmith to provide help. (If you feel you are in an unsafe location, they will advise you to hang up and dial 911. If you are not able to dial 911, they will call the non-emergency police number in your area, and will remain on the phone with you at your request until the police arrive.) You have the convenience of one toll-free phone call and you may save money because our rates are pre-negotiated. Dependable roadside assistance, 24 hours a day, 7 days a week has never been easier. No membership or pre-enrollment is required.

Service providers are independent contractors that provide emergency roadside assistance and towing services. All contractors are solely liable for their services.

Towing rates apply to vehicles classified as ‘Light Duty’. ‘Light Duty’ vehicles are vehicles that weigh 10,000 lbs. or less. Vehicles weighing more than 10,000 lbs. are considered ‘Medium Duty’ or ‘Heavy Duty’ and are NOT covered under this program.

If you require a tow for more than five miles, you must pay the cost beyond five miles. If a secondary unit being towed behind is not included, it can be accommodated for an additional fee.
Standard Winching applies within 100 feet of paved or county maintained road only. Additional fees may apply for winching services under certain circumstances.
You are responsible for any roadside assistance or towing charges incurred by facilities responding to your request even if you are not with your vehicle or your vehicle is gone upon their arrival.

When you’re traveling or working anywhere in the world, your covered Lincoln Savings Bank card gets you access to a multilingual call center – 24 hours a day, 365 days a year – for the assistance you need. You, your spouse and legal dependent children under 22 years of age who are traveling with you can call toll-free in the United States or collect when traveling abroad. Services include: medical and legal referrals, emergency transportation and more.

Easy access:
Call the Benefit Administrator at 1-800-992-6029 to get your questions answered. If you are outside the U.S., you can call collect at 1-804-673-1675. Travel and Emergency Assistance Services is provided on a best-effort basis and may not be available due to problems of time, distance or location.

Certain terms, conditions and exclusions apply. In order for coverage to apply, you must use your covered Lincoln Savings Bank card to secure transactions. Please refer to your Guide to Benefits for further details.

• Pre-Trip Assistance provides information about health precautions, weatherreports, currency exchange rates, visas, ATM locations and immunizations.
• Medical Referral Assistance provides medical referral, monitoring and follow-up.
• Emergency Transportation Assistance arranges for transportation under medical supervision.
• Emergency Message Service can relay emergency messages for travelers and is available 24 hours a day.
• Prescription Assistance and Valuable Document Delivery Arrangements can accommodate unexpected prescription needs or transport critical documents(e.g., passport or travel visa), which may have been left at home or elsewhere.
• Legal Referral Assistance can arrange contact with English-speaking attorneys, U.S. embassies and consulates and bail-bondassistance.
• Emergency Ticket Replacement arranges for the replacement and delivery of new tickets and assists with ticket reimbursement procedures.
• Lost Luggage Locator Service can help you through the common carrier’s claim procedures or can arrange shipment of replacement items if an airline or common carrier loses your checked luggage.
• Emergency Translation Service provides telephone assistance in all major languages and helps find local interpreters, if available.

This coverage is included when you are traveling out of the country. Just call the toll-free number. You’ll need to provide the Benefit Administrator with some key information, including your name and address, the name of the prescription, your doctor’s name or the name of your pharmacy and a phone number where the Benefit Administrator can reach you and your location. The Benefit Administrator will contact your doctor or pharmacy to get a prescription and work to find the medicine locally. The Benefit Administrator will call you back with information about where and when you can pick it up. If it isn’t available locally, they will coordinate getting the medicine shipped to you (provided that local laws allow).

This coverage is included when you are traveling out of the country. Just call the toll-free number. You’ll need to provide the Benefit Administrator with some key information, including your name and address, the city where your passport was issued, a phone number where we can reach you and your location. The Benefit Administrator will contact the U.S. Passport Office and determine whether or not there is an office close to you. If there is, they will schedule your appointment and help you with the paperwork. If there is not an office nearby, they will work to get all of the forms in order so that your replacement passport and/or travel visa can be issued and delivered to you.

Mobile SMS Text, Email, and Voice Call Alerts.

If you elect to receive Automated Fraud Alerts via SMS/Text, standard text message and data rates assessed by your mobile carrier apply.

To opt out of text and email alerts contact Lincoln Savings Bank. You can not opt out of voice call alerts.

Text messages will be sent from 81508.
Emails will be sent from [email protected].

Yes. For your account security, it is very important to respond to fraud alerts. This allows immediate action to be taken to protect your account.

A text message will be sent first, followed by an email. If there is no response, the dialer will attempt to call available phone numbers.

$Customer: URGENT card ending in (last 4 digits of card number) for $AMOUNT at $MERCHANT. If authorized reply YES, if not reply NO. To opt out reply STOP.

Make sure all your contact information is up to date (phone number(s) and email address). If you move or change your cell number, please let us know. We need your updated contact information, so you can receive important alerts about your account(s).

If you are concerned that your card has been compromised in any way but have not received a fraud alert please contact Lincoln Savings Bank or stop by your nearest branch. If you have lost your card, or your card has been stolen, please alert Lincoln Savings Bank as soon as possible.

You already have that service by banking with us! Lincoln Savings Bank employs rigorous security procedures and examinations to protect customer data and sensitive information. The following Lincoln Savings Bank Fraud Detection services help detect fraudulent debit card and online banking transactions:

• Debit Card Fraud Detection - Lincoln Savings Bank has partnered with SHAZAM to offer SHAZAM BOLT$ and FICO® Falcon® Fraud Manager so you can better monitor activity on your debit card and receive alerts about suspect purchases. SHAZAM BOLT$ is a fraud-transaction-alerting, balance-monitoring and ATM-locator application. FICO® Falcon® Fraud Manager uses advanced algorithms and established card activity to identify potentially fraudulent transaction activity in real time on customers’ Lincoln Savings Bank Debit Cards.
• Online Banking Fraud Detection - To keep Online Banking transactions safe, we utilize Risk and Fraud Analytics, a tool that is constantly monitoring the activity of our online customers to detect and stop fraudulent attempts. If we detect unusual activity, we will contact you to verify if it's valid.