Logging in
- Sign In?
- Forgot my password?
Online Banking
- Download the app?
- Set up account alerts?
Manage Accounts
- Export my statements?
- Schedule a bill payment?
Business Banking
- Switch profiles?
- Set up delegates?
How-To Videos
Online Banking Videos
Business - Online Banking Videos
Getting Started
NEW USER
1. Click the Sign In button above or download the Lakeland Credit Union App on your smart phone.
2. Enter your 19-digit debit card number.
3. To verify your identity, enter your date of birth and either the cell number or email address we have on file for you.
4. You will receive a verification code - enter that code in the pop-up screen.
5. Choose a unique username (max. 35 characters) as this username cannot be changed.
6. Enter a password (min. 10 characters) with at least one uppercase, one
lowercase letter and one number.
lowercase letter and one number.
7. If everything is correct, click Create user profile to finish up.
The next time you come back, simply use your new username and password to sign in.
NEW BUSINESS USER
1. Click the Sign In button above or download the Lakeland Credit Union App on your smart phone.
2. Sign in using your current login credentials.
2. Sign in using your current login credentials.
a. Enter the 19-digit debit card number.
b. Enter your Personal Access Code.
b. Enter your Personal Access Code.
3. Choose a unique username (max. 35 characters) as this username cannot be changed.
4. Enter a password (min. 10 characters) with at least one uppercase, one
lowercase letter and one number.
lowercase letter and one number.
5. Enter your cell number or email address (even though you are signing into a business account, you will want to use your personal mobile phone number and email here).
6. If the contact information you enter does not match what we have on file, you will receive a verification code. Enter that code in the pop-up screen. If the information matches our files, you won’t have to perform this step.
7. If everything is correct, click Create user profile to finish up.
The next time you come back, simply use your new username and password to sign in.
Questions & Answers
You can access the Lakeland Credit Union mobile app by searching for “Lakeland Credit Union” in the App Store or Google Play.
- iPhone and Android users: Please delete your previous Lakeland CU Mobile Banking App on your smartphone before you install the new app.
These links are available on the footer of both the Lakeland Credit Union website and from within your online banking.
Members may experience issues trying to connect from outside Canada and the United States. Please contact the branch to assist you with urgent transactions while outside of Canada.
Logging In
If you get the error “Identification details entered do not match our records” while setting up your digital banking profile, you will need to update the contact information we have on file for you.
You can do so by calling either our Bonnyville Branch (780-826-3377) or Cold Lake Branch (780-594-4011) during business hours or use our Contact us form.
Unsuccessful attempts can cause a lockout on your account. Try the ‘Forgot username or password?’ link to reset your login.
- If using a web browser, on the sign in screen click Forgot Username or Password?
If using the mobile app, on the sign in screen, tab on Sign In, then tap on Forgot Username or Password? - Choose Forgot Password?
- Enter your username
- Enter your email or phone number
- Follow the instruction that are email or texted to you
If you are having trouble recovering your credentials, please contact us at 780-826-3377.
New Security Measures
If you haven’t logged into online banking in the past 120 days, please contact us to unlock your account at 780-826-3377.
If you do not receive your secure code by email or test message within 10 minutes, please check your Junk mail/Spam or other folders. Alternatively, you can try again either with your email or phone number.
If you do not receive a code using either method, you may need to update your contact information with us. We would be happy to help you. You can do so by calling either our Bonnyville Branch (780-826-3377) or Cold Lake Branch (780-594-4011) during business hours or use our Contact us form.
We recommend using the most recent version of one of the following supported browsers:
- Google Chrome
- Apple Safari
- Mozilla Firefox
- Microsoft Edge
As a signer on the business, we need to authenticate you as an individual. It’s important that your personal information (date of birth, email address, and cellphone number) in your file is up to date so we can validate who you are.
Passwords must be a minimum of 10 characters in length and can go up to a maximum of 35 characters. They are to contain at least: 1 uppercase letter, 1 lowercase letter, and 1 number. Symbols are permitted however are not mandatory.
Members can now use the Username created during their first login experience instead of their debit card numbers. However, you are still able to login using your active debit card number.
Usernames can be up to a maximum of 34 characters and can include any combination of uppercase, lowercase, numbers, and special characters. An email address is acceptable however a PAN (debit card number) cannot be used. Usernames must be unique, you will receive an error if the username is a duplicate, at which time another username is to be selected.
Username changes are not available via online banking.
To request a Username Change contact your branch for assistance.
Note: Username changes may result in your online banking being inaccessible up to 3 business days.
To request a Username Change contact your branch for assistance.
Note: Username changes may result in your online banking being inaccessible up to 3 business days.
From within your online banking, your username is visible in two areas:
1. My Lakeland>Settings>Password
2. My Lakeland>Settings>Profile Details
From within the mobile app, your username can be found in two areas:
1. Settings>Password
2. Settings>Profile Details
From the Sign In page use Recover Password
- Click Forgot username or password
- Click Recover Username
- Using the Select Identification Method dropdown, select either Mobile or Email option
- Enter the authentication code received via text or email
- Select the applicable contact information previously validated
- Enter the password for that contact information
- Username confirmation sent via text or email, whichever method was chosen in step 3
If you are unable to log onto your online banking, contact your branch and an advisor will be able to confirm your username.
Manage Accounts
You can do this in a few different ways.
CRA Account Portal
If you are registered with My Account CRA online portal, you can quickly and easily manage your tax affairs online, including signing up for direct deposit
Mailed Form
You can fill out one of the form below, and mail them it in to:
Download: Direct deposit enrolment form for individuals (PDF)
Receiver General for Canada
PO Box 5000
Matane, QC G4W 4R6
By Phone
Call CRA at 1.800.959.8281 to sign up for direct deposit. You will need:
- Social Insurance Number (SIN)
- Full name, address and date of birth
- Most recent income tax and benefit return
- Info on the most recent payments received from CRA
- Banking information
- 3-digit Financial Institution Number
- 899
- 5-digit Transit Number
- Bonnyville: 02659
- Cold Lake: 02529
- Account number
- Find yours under account details within your online banking, listed on the bottom of cheques, or on your paper statements.
- 3-digit Financial Institution Number
To view your eStatements:
- Log into your online banking account
- Click on Accounts
- Click View Statement
- Select the account you would like to view
- Select the year and then the month of the statement you wish to look at.
Yes, there are a couple of ways to do this.
- If you are re-ordering cheques then a link to Davis & Henderson is available on the bottom of any page of your online banking.
- If you are ordering cheques for the first time then you can send a message using the secure messaging feature. Ensure to include: account number, quantity, specific style (if applicable).
- You can send a message by either: Clicking the envelope icon on the top right of the page>New Message>Type: Account Inquiries or clicking My Lakeland>Messages>New Message>Type: Account Inquiries
Note: Messages cannot be sent from a mobile device; they can be viewed or archived only.
Contact your branch to add a stop payment on an automatic debit. You can also use the secure messaging feature to send the request: Note: messages cannot be sent from a mobile device.
- Click the envelope icon on the top right of the page
- New Message > Type: Account Inquiries or clicking My Lakeland>Messages>New Message>Type: Account Inquiries
Recurring bill payments can be added as favourites only, immediate and future dated payments are not available to be added as favourites.
To add a bill payment with a future date for completion:
Desktop
- Click Transfers & Payments>Pay Bills>Enter the payment amount in the amount field for the applicable bill payee>Select a future date in the payment date field>click Continue>confirm details>click
Mobile
- Click Payments>Pay Bills> Add Payment
- Select applicable payee from the Pay To dropdown
- Enter the amount to be paid
- Using the calendar icon, select a future date
- Add Payment
To add a recurring bill payment:
Desktop
- Click Transfers & Payments>Pay Bills>click Schedule recurring payments icon
- Select the payee from the Payee Name dropdown
- Enter the payment amount in the amount field
- Select a frequency from the payment frequency dropdown
- Select a start date (or leave as current date if applicable)
- Select an end date (max. 10 years)
- Click Continue>confirm details>click Continue
Mobile
- Click Payments>Pay Bills> Select ‘Recurring Payments’
- Select applicable payee from the ‘Pay To’ dropdown
- Enter the amount to be paid
- Select a frequency
- Using the calendar icon, select a Start Date and an End Date
- Continue>Continue
To transfer funds between your own accounts:
Desktop
- From the main page, click Transfers & Payments>Transfer Funds
- Under ‘tranfser from’ click the account you wish the funds to come from (it will highlight red)>From the ‘My account’ dropdown, select the account you wish to receive the funds
- Enter the transfer amount in the ‘Amount’ field
- Select the ‘Transfer Type’ (immediate = instantly; schedule = a future date; recurring = select how often and when the exact same transfer is to happen)
- Click Continue>Confirm details>click Continue
- From the main page, click Transfers >Transfer Funds
- Under ‘tranfser from’ select the account you wish the funds to come from (main account is default, click the arrow to select another account)
- From the Account field, click the arrow to select the account you wish to receive the funds
- Enter the transfer amount in the ‘Amount’ field>Select the ‘Transfer Type’ (immediate = instantly; schedule = a future date; recurring = select how often and when the exact same transfer is to happen)
- Click Continue>Confirm details>click Continue
To transfer funds to another Lakeland Credit Union member, you must know that person’s 12 digit account number.
1) Please be aware, your account number will be visible to the recipient.
2) Ensure you’ve confirmed the account number and verify the number and amount when you enter it as there is no way to stop or reverse the transaction once completed.
To transfer funds:
Desktop
- From the main page, click Transfers & Payments>Transfer Funds
- Under ‘Transfer From’ click the account you wish the funds to come from (it will highlight red)
- Click the ‘Another Lakeland member’ radio button>Enter the other person’s account number in the ‘Member’s Account Number’ field
- Enter the transfer amount in the ‘Amount’ field
- Select the ‘Transfer Type’ (immediate = instantly; schedule = a future date; recurring = select how often and when the exact same transfer is to happen)
- Click Continue>Confirm details>click Continue
- Enter the One Time Password in the ‘Confirmation Code’ box>click Continue
*Unaccepted accounts for inter-member transfers: loan accounts and registered accounts
Mobile
- From the side menu, click Transfers>Transfer Funds
- Under ‘tranfser from’ select the account you wish the funds to come from (main account is default, click the arrow to select another account)
- Click the ‘Another Lakeland CU member’ radio button
- Enter the other person’s account number in the ‘Member’s Account Number’ field
- Enter the transfer amount in the ‘Amount’ field
- Select the ‘Transfer Type’ (immediate = instantly; schedule = a future date; recurring = select how often and when the exact same transfer is to happen)
- Click Continue>Confirm details>click Continue>enter the One Time Password in the ‘Enter Code’ box>click Continue
* Accounts not accepted for inter-member transfers are: USD Accounts, and Registered Accounts
To transfer funds between your own accounts:
Desktop- From the main page, click Transfers & Payments > Transfer Funds > under ‘tranfser from’
- Click the account you wish the funds to come from (it will highlight red)
- From the ‘My account’ dropdown, select the USD account you wish to receive the funds>Enter the transfer amount (CDN) in the ‘Amount’ field>Select the ‘Transfer Type’ (immediate = instantly; schedule = a future date; recurring = select how often and when the exact same transfer is to happen)
- click Continue>Confirm details>click Continue
- From the side menu, click Transfers >Transfer Funds>under ‘tranfser from’ select the account you wish the funds to come from (main account is default, click the arrow to select another account)
- From the Account field, click the arrow to select the account you wish to receive the funds>Enter the transfer amount in the ‘Amount’ field>Select the ‘Transfer Type’ (immediate = instantly; schedule = a future date; recurring = select how often and when the exact same transfer is to happen)
- Click Continue>Confirm details>click Continue
No, transfers between USD accounts are not permitted. Funds from a USD account can only go into a CDN account.
To process a loan payment you would initiate a transfer.
To do this:
Desktop
- From the main page, click Transfers & Payments >Transfer Funds
- Under ‘tranfser from’ click the account you wish the funds to come from (it will highlight red)
- From the ‘My account’ dropdown, select the loan account you wish to receive the funds
- Enter the transfer amount in the ‘Amount’ field
- Select the ‘Transfer Type’ (immediate = instantly; schedule = a future date; recurring = select how often and when the exact same transfer is to happen)
- Click Continue>Confirm details>click Continue
Mobile
- From the side menu, click Transfers >Transfer Funds>under ‘tranfser from’
- Select the account you wish the funds to come from (main account is default, click the arrow to select another account)
- From the Account field, click the arrow to select the loan account you wish to receive the funds
- Enter the transfer amount in the ‘Amount’ field
- Select the ‘Transfer Type’ (immediate = instantly; schedule = a future date; recurring = select how often and when the exact same transfer is to happen)
- Click Continue>Confirm details>click Continue
Yes, funds can be transferred from one of your accounts into your RRSP Variable or TFSA Variable account.
To do this:
Desktop- From the main page
- Click Transfers & Payments>Transfer Funds>under ‘tranfser from’ click the account you wish the funds to come from (it will highlight red)
- From the ‘My account’ dropdown, select the variable account you wish to receive the funds
- Enter the transfer amount in the ‘Amount’ field
- Select the ‘Transfer Type’ (immediate = instantly; schedule = a future date; recurring = select how often and when the exact same transfer is to happen)
- Click Continue>Confirm details>click Continue
Mobile
- From the side menu
- Click Transfers >Transfer Funds>under ‘tranfser from’ select the account you wish the funds to come from (main account is default, click the arrow to select another account)
- From the Account field, click the arrow to select the variable you wish to receive the funds
- Enter the transfer amount in the ‘Amount’ field>Select the ‘Transfer Type’ (immediate = instantly; schedule = a future date; recurring = select how often and when the exact same transfer is to happen)
- Click Continue>Confirm details>click Continue
Answer: To withdraw money out of your Line of Credit (LOC) you will process a Transfer directly out of the LOC loan account and deposit into your chequing or savings account.
- Click Transfers & Payments>Transfer Funds
- Select the LOC loan account from the Transfer From available accounts
- Select the My Account (chequing or savings) using the dropdown
- Enter the Amount to be withdrawn
- Select the Transfer Type
- Click Continue
- Verify all details of the transfer
- Click Continue
To add a bill payee:
- Click Transfers & Payments>Manage Payees
- Click Add Payee
- In the ‘Payee Name’ box, start typing in the name of the bill payee
- Click the applicable payee from ‘Results’ listing
- Enter the bill payee account number in the ‘Payee Account Number’ field
- Click Continue>confirm payee details>click Continue
- Enter the One Time Password in the ‘Confirmation Code’ box
- Click Continue
To delete a bill payee:
- Click Transfers & Payments>Manage Payees
- Click the garbage can icon next to the applicable bill payee
- Confirm the payee to be deleted
- Click Continue
A. Transactions can be exported to the following accounting software programs:
- Microsoft Money
- QuickBooks
- Quicken
- Sage50
- Xero
A. To export transactions to a supported accounting software program, use the following steps:
- Log into Online Banking via desktop
- Click Accounts>View Transactions
- Click the applicable account, use the filter to display the desired date range (if needed)
- Click Export, located at the bottom of the screen
- Select the applicable accounting software from the Export To dropdown list
- Click Export
Online Banking
- Log onto Online Banking
- Click Transfers & Payments
- Click Profile Settings
- Enter the correct Legal Name in the Name field
- Click Continue
- Review the details, then click Continue
- Enter the Confirmation Code received via text or email, then click Continue
- Confirmation page will present the following message: ‘Interac profile details successfully saved’
Account history is available for a year time period from the current date. For example, if you logged on April 14, 2021 then your account history is available from April 14, 2019. Note: the default timeline is 1 month, use the filter to expand the timeline up to 2 years.
eStatements are available to print or save (desktop), additional options are available via mobile: Accounts>View eStatements >Select the applicable statement date
A transaction can be added as a favourite once you’ve completed it. To add a transaction as a favourite: complete the transaction as normal, on the page showing
‘Transfer/Payment successfully completed’ click the Favourites icon (desktop) or Add Favourite (mobile)> add a name to identify the transaction > click ‘Add to Favourites’(desktop) or Confirm (mobile). It will now be seen on the home page (dashboard)
Up to a maximum of 15 favourites can be added at any time. To view all favourites, if more than 4 are created, click the arrow located to the right and/or left of the visible favourite icons to rotate the carousal (desktop) or swipe left/right (mobile).
To change the display order of favourites:
- Accounts > Favourite Transactions
- Click and drag the 3 lines icon of the applicable favourite to the desired location
Yes! You can set up shortcuts through the widget function on your mobile device by navigating to the menu (three-line stack icon on the top left), choosing ‘Settings’ and tapping on ‘Widgets’. There you will be able to add up to three accounts you would like to view.
You can also add some of your favourite transactions as shortcuts in the widget, giving you an even quicker way to do your banking.
Alberta Finance will continue to be paid using the PSI secure access link. Contact us using the secure messaging feature if you would like to sign up for this feature.
You can send a message by either: clicking the envelope icon on the top right of the page>New Message>Type: Account Inquiries
or clicking My Lakeland>Messages>New Message>Type: Account Inquiries
Alternatively, Alberta Finance payments can be paid in person at either branch; remittance advice required.
If no other option is selected, clicking ‘Continue’ initially confirms the ‘immediate’ transfer type. You will then need to click ‘Continue’ to move to the next page.
Yes, a picture can be added to your profile.
To do this:
- From the main page
- Click My Lakeland>Profile Picture
- Click Add Photo
- Locate your photo and click Insert
- Click Save
To add or change your background picture on your app:
- Open the app and sign in
- From the menu (three-stacked lines on top left) click Settings>click Profile Picture>under Background, options are: ‘take picture’, ‘add photo’, or ‘reset’
- Take picture opens your camera, add photo opens your gallery
- Take Picture>take a picture and tap OK
- Edit your background image and select Save
- ADD photo>select an image from your library and tap Save.
- The picture must be formatted as a .jpeg or .png
Yes, you can add a descriptive name to your accounts.
To do this:
- From the main page
- Click Accounts>Customize Accounts
- Click the pencil icon next to the account you wish to change
- Enter the Account Name of your choosing
- Click Update
A. There are a few things that could prevent an alert from
being received:
1. Ensure you had ‘saved’ your alert selections.
To verify this, go to My Lakeland>Alerts>select the applicable alert option>verify the toggle is green for the required type and channel.
If the toggle is greyed out, this indicates the alert has not been activated. To activate: click the applicable toggle for each alert and channel, then click Save.
2. For email alerts, check the junk/spam folder
3. Verify Lakeland Credit Union has your current email and cell phone # on file
Alerts are to be set up on each account as desired.
To set up an account alert:
- From the main page
- Click My Lakeland>Account>click the account you wish the alert to be on (highlighted red)
- Select the alert type(s) under each category as desired (Transaction, Balance, Insufficient Funds, Failed Transactions)
- Click Save
A text and/or Push Notification can be enabled for security alerts however email delivery methods for Security alerts are a default for all online banking users.
Yes, you are able to see the login history for your online banking which will identify: which channel was used (internet or mobile banking), the date, and the time.
To view:
- Click My Lakeland>Sign in history
When you notice a device that is unfamiliar, it is recommended to lock that device.
To do this:
- From the main page
- Click My Lakeland>Devices
- Click the plus sign on the applicable row
- Click Lock Device
A device that was locked can be unlocked once verified.
To do this:
- From the main page, click My Lakeland>Devices
- Click the plus sign on the applicable row
- Click Unlock Device
Yes, you can see all online banking activity in any given day by clicking the word ‘Activities’ located on the bottom of the main page (dashboard). Once opened, you have the option of viewing all activities in order of date/time or in a list format by clicking the applicable icon.
One Time Password (OTP), also known as two factor authentication, is automatically generated for certain transactions or events. It is an added layer of security used to ensure people trying to fraudulently gain access to an online account and ensure certain transactions are unsuccessful.
Business Online Banking
All signers of the business will onboard separately and have unique login credentials.
To consolidate profiles, you must be a signer on the business accounts.
To do this:
- Logon to the business online banking
- Click Business Services
- Profile Consolidation
- Click Add Profile
- Enter the username for the profile you wish to add
- Enter the password for the profile you wish to add
- Click Continue
- Confirm details
- Click Continue
To remove a consolidated profile:
- Click Business Services>Profile Consolidation
- Click the garbage can icon on the applicable profile
Each profile will show linked accounts to that profile. In order to see the accounts linked to another profile you will need to switch profiles.
You will see all consolidated profiles at the top of the page by hovering the mouse over the active profile name. The customer/member’s name will always show first then it will identify which profile is active under the personal name.
To switch from one profile to another:
- Hover the mouse over the active profile name
- Click the profile image you wish to switch to
- Click Switch profiles on the pop up
Log into your online banking from a desktop or tablet (delegate maintenance is not available on mobile phone devices).
To set up a delegate, you will:
- Login to online banking>Select Business Services>click Delegate Management>click Add Delegate
- Enter the delegate username (5-35 characters)
- Enter the name of the delegate
- Click the radio button to select the access level (initiator or read-only)
- Click the radio button to select how the password will be received
- Enter the email address
- Enter the mobile phone number
- Type in any notes that apply to the delegate (optional)
- Accept Express Consent
- Click Continue
- Review details and click Continue
- An authentication code will then be sent to you by email or test message
- Enter the received code into the Enter Code field>click Continue
- Delegate successfully added > the delegate will now receive their temporary password via email or text.
No, delegates will only see the accounts linked to the specific business profile they’ve been added to.
No, but the other signer must approve any transactions that your delegate may initiate.
Transactions that another signer or a delegate has initiated and require your approval can be viewed under ‘Pending Transactions’.
Desktop:
- Login to online banking
- Select Business Services>click Pending Transactions
- Select to approve or decline the transaction>some transactions may require you to enter a one-time passcode as a security feature.
- If this is the case, an authentication cade will be sent to you by email or test message>simply enter the received code into the Enter Code field>click Continue
Mobile:
- Login to online banking>click the menu on the top left side (three-line stack icon)>click Business Services>click Pending Transactions
- Select to approve or decline the transaction> some transactions may require you to enter a one-time passcode as a security feature.
- If this is the case, an authentication cade will be sent to you by email or test message>simply enter the received code into the Enter Code field>click Continue
Delegates can reset their own password by using the ‘forgotten password’ feature on the login page.
The temporary password oftentimes have a period (.) at the end which can look like it’s part of the password however it is not. Have the delegate try the password again without using the period.
Delegates can reset their own password by using the ‘forgotten password’ feature on the login page.
If a delegate’s access was locked by a signer then they can unlock this access by going to:
- Business Services
- Delegate Management
- Lock Access toggle switch
A delegate’s access can be locked to ensure they are unable to access the accounts. Delegates cannot be deleted from the profile.
To lock a delegate’s access:
- Business Services>Delegate Management>Lock Access Toggle Switch
A delegate’s access can be locked to ensure they are unable to access the accounts.
To lock a delegate’s access:
- Business Services > Delegate Management > Lock Access Toggle Switch
No, the signer only has to approve the recurring transaction once, when it is first initiated.
A transaction, when a dual signature is required, will remain as pending for 7 days. After which, it will expire and the transaction will need to be re-initiated.
Once a transaction is approved, it can be seen in the history of the account from which the funds were taken.
All accounts that are identified with a dual-signature requirement will require 2 signers to approve all financial transactions. If you have delegates, all initiated financial transactions require approval from 2 signers.
A. Delegates are unable to accept an incoming e-Transfer, regardless of access type. A signer will be required to accept incoming e-Transfers or alternatively an Autodeposit can be created for the business profile.
A. E-Transfer recipients are linked to each member’s profile and can be viewed, managed, or selected while accessing that profile. Consolidated profiles will not show the recipients linked to all profiles. Recipients will need to be added to each profile as needed.
A. Bill payees are linked to each member’s profile and can be viewed, managed, or selected while accessing that profile. Consolidated profiles will not show the bill payees linked to all profiles. Payees will need to be added to each profile as needed.
A. To transfer money between consolidated accounts a transfer to Another Lakeland Member can be used.
To do this:
- Go to Transfers & Payments>Transfer Funds
- Click the account the funds are to come from
- Click the Another Lakeland Member radio button
- Enter the account number that is to receive the funds (*double check the number)
- Enter the Amount to be sent
- Select either: Immediate, Schedule, or Recurring (enter additional information as needed for Scheduled and Recurring options)
- Click Continue
- Review the details of the transaction, click Continue
- Enter the authentication code
- Click Continue
For frequently used transactions, add them as a favourite to quickly process the same transaction in the future.
- From the ‘Completed’ page, Click the Favourites icon
- Enter a description for this transaction
- The Favourite can now be accessed from the main screen for future transfers (*amount can be changed)
For instructions on how to show your CSV export and for an excel CVS Cleaner Template click the links below.
CSV pdf Instructions
CVS Cleaner Template
CSV pdf Instructions
CVS Cleaner Template