If you have any questions about our products and services, it's likely that you'll find the answers here. For your convenience, we've grouped the information by product category.
To access a banking session activity, you must use an Internet navigator equipped with a 128-bit encryption system. Most Internet browsers meet this security standard (e.g. Internet Explorer 10, Mozilla Firefox 10, Chrome, Safari, etc.). Please ensure that your preferred browser version meets this standard.
LBC Digital adheres to the principles adopted by the Canadian Bankers Association with respect to the protection of personal information. In addition, it uses the most secure encryption techniques presently available to ensure the confidential nature of the information it exchanges with you. However, complete confidentiality in the transmission of data is not always possible over the Internet and privacy cannot be ensured. Neither LBC Digital nor its affiliates will be responsible for any damages you may suffer if you transmit confidential or sensitive information to us and that information subsequently becomes public through no fault of ours.
Yes, you can access your online banking account by visiting our mobile-friendly website at onlinebanking.lbcfg.ca.
The applicable rate is paid on every dollar in the account. Interest rates are per annum. Interest is calculated daily on the closing balance and paid monthly on the last day of the month into the account. For current interest rates, visit lbcdigital.ca/rates-fees.
The applicable tier rate is paid on every dollar in the account. Interest rates are per annum. Interest is calculated daily on the closing balance and paid monthly on the last day of the month into the account. For current interest rates, visit lbcdigital.ca/rates-fees.
No, you cannot download your tax receipts online. All tax receipts including, T5s and RL-3s, were mailed on Thursday, February 27, 2020. Quebec residents will receive T5s and RL-3s in separate envelopes.
T5 Tax receipts have been issued to clients who have earned interest equal to or more than $50. All tax receipts have already been mailed out. If you have not received your receipt you may request a duplicate to be faxed or mailed to you.
To request a duplicated copy of your tax receipt, please contact Client Services at 1-866-334-4434 Monday to Friday from 8:00 a.m. to 10:00 p.m. and weekends from 9:00 a.m. to 5:00 p.m. ET.
Effective June 1, 2020, the 2.05% interest rate applies to deposits up to and including $500,000 and the 1.00% interest rate applies to deposits above $500,000.
|Up to and including $500,000||2.05%|
The applicable tier interest rate applies to every dollar in the tier. Interest rates are annual. Interest is calculated daily on the closing balance and paid monthly on the last day of the month into the account. All rates are subject to change at any time without prior notice.
If you are a current LBC Digital customer and want to gain access to your online banking account, please contact Client Services at 1-866-249-1489 for assistance.
To sign up for a LBC Digital Online Banking account, visit onlinebanking.lbcfg.com.
No. You must either be a Canadian citizen or a Permanent Resident of Canada to open an LBC Digital online banking account.
The format to enter your date of birth is MM/DD/YYYY.
You can find your LBC Digital account number by either logging in to your LBC Digital online banking account by visiting onlinebanking.lbcfg.ca or on your monthly account statement.
In accordance with legislation, we are required to ask for your SIN for any interest-bearing account for tax. We may need to provide you a T5 Statement of Investment Income so you can report your interest income when filing your taxes.
Equifax is a credit reporting agency that uses the information they have on consumers to calculate their credit scores. LBC Digital uses Equifax’s services to verify a client’s identity and credit background.
Equifax uses the information it has on file to confirm credit verification information ensuring that the account details are being entered by you and no other person. To help prevent someone from opening a fraudulent account under your name, Equifax may ask you questions about your credit history through our system, the details of which only you would be privy to.
No. The information from Equifax is only used to perform a “soft” credit verification to confirm your identity.
We verify your identity immediately during the online account sign-up process.
If you are experiencing issues validating your identity through Equifax, you may have inaccuracies or incomplete information on your Equifax credit file:
Before you can transfer funds into your new LBC Digital account, you need to link your LBC Digital account to your account from another financial institution.
You can change your password following the below steps:
To update your contact information, please contact Client Services at 1-866-249-1489.
Existing linked accounts held at another Canadian financial institution were automatically transferred over; however, please re-enter any scheduled or re-occurring dates and amounts, or make alternative payment arrangements.
Once logged into onlinebanking.lbcfg.ca, you can set up online banking bill payments by following the below steps:
Existing bill payees were automatically transferred over; however, please re-enter any scheduled or re-occurring payment dates and amounts, or make alternative payment arrangements.
The following self-service features will be available with your new LBC Digital Online Banking:
Link External Account
Once the micro deposits have been confirmed the account will appear under Linked Accounts. Please note that pending micro deposits must be confirmed prior to linking additional accounts. Unconfirmed micro deposits will expire after 10 days. Maximum of 4 IIFT accounts can be linked. If you would like to remove a linked account, please contact LBC Digital at 1-866-249-1489.
IIFTs are usually processed within 1 business day.
You can deposit money into your chequing account by linking the account with your other financial institution, through an internal account transfer or by depositing a cheque at an EXCHANGE® Network ATM.
You can deposit money into your High Interest Savings Account (HISA) by linking the account with your other financial institution or by transferring money from your LBC Digital Chequing Account.
You can contact us at 1-866-249-1489 or send us a message using the ‘Transactional inquiry’ function via the secure message centre when you are logged into the new LBC Digital Online Banking. You may be required to provide additional information on the transaction.
(Example: Bell, MasterCard etc.)
Transactions made prior to the conversion will not be visible in your account overview; however, if you would like to receive a printed copy of your transaction history, please call 1-866-249-1489.
There will be no charge for printed statements of previous transactions.
Real-time transactions submitted online cannot be cancelled. For future dated transactions, please call us at 1-866-249-1489.
Transfer from Chequing to HISA account using the “Transfer” function
Transfer from HISA to Chequing account using “Quick transfer” function
The “Quick transfer” function offers quick and easy access to one-time transactions for immediate processing from the home screen.
The “Transfer” function offers the same functionality of “Quick Transfer”, with the addition of the following:
To send a transfer, click on the account you’d like to send from and click on the “Transfers” tab.
You can use the “VOID cheque image” and provide it to your external payee.
If the biller is not on the list, the payment cannot be processed online.
You can contact us at 1-866-249-1489 or send us a message using the “General inquiry” function via the secure message centre when you are logged into the new LBC Digital Online Banking.
Yes. At the account overview, the transaction history will display the last 10 days of activity. The show options icon will allow you to print, download to PDF or CSV format.
The Search option will allow you to view/print/download older transactions by date range.
This feature will be available at a future date.
Please contact us at 1-866-249-1489 to close an account.
The NSF fee is $50 for the chequing account.
Transaction maximum: $3,000
Weekly maximum: $10,000
Monthly maximum: $20,000
When receiving funds to your LBC Digital account, there is no limit on the amount per transaction. When sending funds from your LBC Digital account to your account at another financial institution, the limit is $50,000 per transaction. There is no limit on the number of inter-institution fund transfer transactions you can conduct per day for either the Chequing Account or HISA.
You can contact us at 1-866-249-1489 or send us a message using the “General inquiry” function via the secure message centre, when you are logged into the new LBC Digital Online Banking.
You can contact us at 1-866-249-1489.
Visit lbcdigital.ca/contact-us to find an ATM near you.
For all other inquiries, call 1-866-249-1489.
The Accel®† debit payments network includes more than 500,000 ATMs. Thanks to THE EXCHANGE Network, you can use your card at Accel ATMs to withdraw surcharge-free from some, but not all Accel ATMS in the U.S.1 Use the Accel ATM locator to find a surcharge-free ATM at accelnetwork.com. We recommend that you choose a four-digit PIN if you often travel abroad.
1Additional surcharge fees may be applied to transactions, depending on the Accel ATM used.
Your Laurentian Bank debit card allows you to withdraw a daily maximum of $1,500 CAD from automated banking machines and a $3,000 CAD daily maximum for purchases made at point-of-sale.
You will continue to receive your paper statements at no charge and you will also be able to view your transaction history online.
Yes, you may still log in to ePost using your current user id and password to view previous statements.
Your monthly online statements are available on the first day of each month. You can access your statements by following these instructions.
To view a list of all the fees associated with your accounts, visit lbcdigital.ca/rates-fees.
Direct deposit allows you to access your money faster and more conveniently. It is reliable and your payment will always be deposited on time in the bank account that you supply when you enrol.
You only need to register once, and all your future payments and refunds from the CRA will automatically be deposited into your chosen account.
If you are eligible for the Canada Emergency Response Benefit, we encourage you to sign up for direct deposit as soon as possible to receive your benefit payments on time.
Canada Emergency Response Benefit applications are open now. Please refer to the CRA’s Canada Emergency Response Benefit webpage for more details.
The CRA aims to process direct deposit enrolment or information updates in one to two business days, however given current circumstances you may experience longer than usual processing times.
You can get updates on the status of your payment or enrolment by contacting the CRA directly at 1-800-959-8281.
Your new registration will override any previous direct deposit information on file with CRA. Once you complete your registration, all future CRA payments will be deposited into the account you registered most recently.
You can expect to receive direct deposit payments within five business days of the scheduled payment date.
If you are fully registered for CRA’s My Account, you can verify your direct deposit and payment information through their online self-service portal.
You may need to repay a CERB payment because:
If you mistakenly applied for the CERB through both Service Canada and the CRA, you may have received two payments of $2000 for your first eligibility period. If this is the case, the CRA will send you a letter with instructions on how you can repay one of these $2000 payments, without interest or penalties.
To return or repay a CERB payment, you can do so by either:
Public Services and Procurement Canada
Imaging and Receiver General Operations Directorate
P.O. Box 2000
1. That it is a “Repayment of CERB”
2. Your Social Insurance Number (SIN) or your Temporary Tax Number (TTN)
Sudbury Tax Centre
1050 Notre Dame Avenue
Sudbury ON P3A 0C1
Under normal circumstances (for payments by direct deposit), banks can return the full amount electronically to the Receiver General by RIV using the Return Reason Code 922 (Customer Initiated Return). However, all RG-related functions are currently on hold due to COVID-19.
®†INTERAC e-Transfer is a registered trademark of Interac Corp. Used under license.
®†THE EXCHANGE is a registered trademark of Fiserv, Inc., licensed for use in Canada by FICANEX Services Limited Partnership.
®†Accel is a registered trademark of Fiserv, Inc. or its affiliates.
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