Got Questions? We Have Answers.

At Lake Shore Savings, we realize that your time is valuable. When you have a question about your bank account, you want an answer as soon as possible.

Below are some of the most common questions we receive from our customers. If you cannot find the answer to your specific question listed below, please reach out to our Customer Solutions Center at (716) 366-4070, option 3, during normal business hours, or contact us with your question and we’ll be glad to assist you further.

Frequently Asked Questions

How do I apply for a debit card?

Debit cards are typically ordered at the time of account opening and can take 10 to 14 business days to arrive via mail to your home address. If you did not request a debit card at account opening, or if you require a replacement card due to it being worn, lost or stolen, please stop into any of our convenient branch locations and speak with a representative who can assist you with ordering a card.

I lost my debit card. What do I do now?

Don’t panic, we can help. If you believe that you lost your debit card, please contact our Customer Solutions Center during normal business hours at (716) 366-4070, option 3, as soon as you realize the card is missing. One of our representatives will place a restriction on the card, preventing any future transactions. For further peace of mind and added security on your debit card, you may want to consider using our CardValet® feature (see next question for further details). If you require assistance for a lost card after hours, please call 1 (800) 336-6116.

I am trying to better manage the transactions made with my Lake Shore Savings debit card. Is there a way that I can be notified when new transactions are made and check the status on current transactions?

Of course! Lake Shore Savings recently introduced CardValet®, an app that allows you to safeguard your cards from fraud with customized alerts and the ability to set limits on cards. Simply download the CardValet® app from Google Play™ or the App Store and follow the instructions to register your Lake Shore Savings debit card(s). Once you register your card, you can choose to:

  • Sign up for alerts based on transaction amount, location, merchant type or transaction type.
  • Set limits for spending – great for parents and employers.
  • Turn your debit cards “off” if they are misplaced or stolen, right from your smartphone.
  • Set other features and much more!

There is a charge on my account that I neither recognize, nor provided authorization for. What should I do?

If you notice any suspicious activity on your account, you should immediately contact our Customer Solutions Center at (716) 366-4070, option 3, during normal business hours. A representative will review your account with you and will take the necessary measures to determine if your account may have been compromised, or if this was an isolated incident. If your account was indeed compromised, you will be prompted to stop into any of our branch locations to file disputes against the fraudulent transaction(s) and to order a replacement debit card.

What is the routing number for my Lake Shore Savings account?

The routing number is 222371656.

Does an E-Statement provide the same information that I would receive on my paper statement?

Yes! E-Statements are a better way to receive your monthly statement. Not only are they better for the environment by saving tons of paper, but they are completely secure and may arrive even quicker since you don’t have to rely on standard mail delivery.

Enroll in E-Statements

How do I set up my Online Banking access?

Online banking access will allow you to bank wherever and whenever you want! Getting started is easy. As you are opening your account with Lake Shore Savings, you must request online banking access. You will be given a temporary username and password within 48 hours of opening your account. After logging in, you will be prompted to create a unique username and password.

If you already have an account and would like to access online banking, simply click here. Next, click the “Register – Personal (or Register – Business if applicable).” link located near the bottom of the page and follow the prompts to get started.

Help, I’m locked out of online banking. Now what do I do?

If it’s during normal business hours, you can contact our Customer Solutions Center at (716) 366-4070, option 3, and we would be glad to help you regain access to your account. If it is outside of regular business hours, you may want to try clicking the “Forgot Password” link to reset your password and follow the on-screen instructions.

Where are your branches located, and what hours are they open?

Our branches are conveniently located throughout both Chautauqua and Erie counties. View a listing of all branch locations and corresponding hours of operation. Don’t forget, you can bank when, where and however you want outside of normal business hours with our online and mobile banking options.

I have to deposit a check into my Lake Shore Savings checking account, but can’t make it into the branch during regular business hours. How can I make my deposit?

We’ve got you covered. You can use the mobile deposit feature in our LS Mobile Banking app to deposit your check directly from your smartphone. Simply follow the step-by-step prompts and your check will be directly deposited into your checking account. Be sure to review the LS Mobile Frequently Asked Questions for important information and terms and conditions for using the LS Mobile Banking app, including details on when funds will be made available after depositing a check via mobile deposit.

I need to send money to someone through Zelle®. How does that work?

Zelle is a fast, safe and easy way to send money directly to someone—all you need is their email address or U.S. mobile phone number. Simply enroll in Zelle through your LS Mobile Banking App using your email address or U.S. mobile number. This will be the only information shared when sending money, keeping your sensitive bank account details private.

For more information click here

Does Lake Shore Savings offer Health Savings Accounts to use with my high deductible health insurance plan?

Yes! Lake Shore Savings offers a market-leading Health Savings Account that will allow you to earn interest while you save.

How can I better manage the activity on my Lake Shore Savings accounts?

Lake Shore Savings is pleased to introduce Notifi. Know what ‘s happening with your money the moment it occurs. Notifi is a new, enhanced alerting system where you can receive account alerts via text message, email, and/or the LS mobile app. Alerts are available for both personal and business customers.

I am interested in joining the Lake Shore Savings team. How do I apply?

Applying with Lake Shore Savings is easy!  Simply visit our Careers section and submit your application online.