News from Lapeer County Bank & Trust Co. Marketing

During the latest merchant breach, Lapeer County Bank & Trust Co. took a proactive approach to safe guard our customers from potential fraud by reissuing Debit Cards to those customers affected.

If you have an LCBT credit card, our partner TIB also took steps to safe guard account holders.

Questions and Answers

If you used your debit or credit card at this merchant on the specified dates, you are eligible for free credit monitoring for one year through AllClear PRO.

How do I sign up?

Debit and Credit cards are a convenient way to make purchases. Criminals will always find new ways to take advantage of consumers. Using Online, Mobile and Text banking to actively monitor your account is the easiest way to stay on top of your finances and continue to utilize these convenience services.

Keep up to date on these events and more by liking the Bank's Facebook page.

Did you know that you can sign up for eStatements and eNotices through your Online Banking? Just click on the eStatements/ eNotices tab in Online Banking and sign up.

Credit cards available

LCBT offers both business and personal credit cards to our customers. Apply today.

Personal Credit Card:

Information

Application

Business Credit Card:

Information

Application

Ask LCBT

Question: When do Christmas Club accounts mature?

Answer: Christmas Club accounts mature on Wednesday, October 15, 2014. Funds will be direct deposited on Thursday, October 16, 2014.

Accounts will automatically reopen if a deposit is made by December 31, 2014. New 2015 Christmas Club accounts can be opened starting on Monday, October 20, 2014.

Planning for hunting, vacation or shopping? This account is a great way to save for future purchases.

Stay Connected

Important Information

Lapeer County Bank & Trust Co. is pleased to provide the information contained in this newsletter to our customers seeking to gain the most value from their banking relationship with us. The content of this newsletter contains advertising of products and services. LCBT encourages you to discuss your specific situation with your banker or other advisor before acting on ideas offered in Business Connections.

Featured Product

Mobile Banking

Are you a Mobile Banking customer? Mobile Banking makes checking your balance, transferring funds, paying bills and its newest feature deposits quick and easy.

Signing Up:

Minimum requirements to be eligible for Mobile Deposit:
- Active account relationship for 90 days or more, enrolled in both Online and Mobile Banking and in good standing.*
- Have the LCBT Mobile Banking app version 3.6.1 (iOS) or 3.8.1 (Android) or higher installed on your device. Older app versions need to be uninstalled from your device. Search for LCBT Mobile in the appropriate app store.
If you meet the minimum requirements, you can request the service in person or using the Message Center in Online Banking. To use the message center:
- Login to Online Banking
- Select Message Center in the top right corner
- Select New
- Type your name
- In the subject line type, "Mobile Deposit Request"
- In the body, list the accounts you would like to deposit into.
We will inform you within 48 hours if your request is approved or not. You will also be asked to verify that you have downloaded the newest app versions.

Fees and Limits:

There is a limit of 20 deposits per month for personal customers and 60 deposits per month for business customers. In addition, there is a daily deposit limit of $2,500 and a monthly deposit limit of $5,000 for all customers.

LCBT offers this service to personal account holders at no charge. Business customers pay $10 per month for the service. All account charges apply. You are responsible for the charges of any wireless service provider while using the Service.

For more information visit LCBT.com.

*To keep an account in good standing the account must be brought to a positive balance within 30 days of using the service and have no past due loans, any legal or administrative order or levy, and make regular deposits.

South Main Office

New Look & Technology Coming

Lapeer County Bank & Trust Co. is excited to announce remodel plans for the South Main office, located on the corner of M-24 and Demille Road. Renovations are slated to begin on Monday, Oct. 6.

Architectural drawing of the west elevation by Thompson-Phelan Group.

"These are very exciting changes for our customers and employees," said Bruce Cady, President and CEO of Lapeer County Bank & Trust Co. "Our South Main office offered the first pneumatic tubes in the County when the drive-in lanes were built in 1970 and we want to continue offering state-of-the-art technology to make banking more convenient and efficient for all of our customers."

The South Main office was the third Lapeer County Bank & Trust Co. office, opened on Nov. 2, 1970. In 1989, customers were given "A Key to the Bank" in the form of ATM cards which could be used at the newly installed ATM at the South Main office, as well as any Magic Line or Cirrus ATM. A second drive-up ATM was installed in 1996.

Upgrades to the drive-up will include new pneumatic tubes complete with two-way video communication, wider lanes and video screens which can pass on news and announcements to LCBT customers. Inside, the office will be given a new, more modern look and feel. Teller pods will give customers a more personal experience and digital signage will keep customers informed.

Construction will take place in two phases. The first phase will begin on Oct. 6 with the closure of the drive-ups and ATMs. Outdoor construction is expected to take about three weeks. Once phase one is completed, the drive-ups and ATMs will reopen and the lobby will be closed for approximately 9 weeks.

During the lobby closure, customers with safe deposit boxes will be able to access their box by appointment. To set up an appointment to access your safe deposit box, call the South Main office at 810-538-1955.

Letter to safe deposit box customers with boxes at the South Main office.

Customer Spotlight

Lapeer Fit Body Boot Camp

Lapeer Fit Body Boot Camp is a results driven and energetic fitness and fat loss workout program that includes motivation, accountability and dynamic resistance training; all designed to get you the body that you want in a safe, fun and non-intimidating atmosphere.

Every 30-minute workout session is led by an experienced, certified Lapeer personal trainer and is designed to be fun, supportive and challenging, while burning maximum fat, in minimum time. Personalization is key to getting the best possible results, which is why our workout programs are modified to fit your goals and individual fitness level.

But unlike working one-on-one with a personal trainer, our workout programs are done in a group setting which makes them fun, motivating, challenging AND it keeps the cost of the program affordable compared to private one-on-one personal training sessions. Not to mention, this is the only fitness program in town that will give you results or your money back.

For more info check out their website: www.LapeerFitBodyBootCamp.com

If you are interested in spotlighting your business in this section, please call Danielle at 810-538-1924 or email Business Development. This is a free service.

Technology & Security

Mobile Deposit Security

Your deposit is as secure as depositing checks in LCBT branches or ATMs. Check images are not stored on your device. Our LCBT apps have received the ViaForensics appSecure certification. ViaForensics performed several rigorous assessments (Android 4.4 and iOS 7.0 operating systems), including checking for insecure storing of data, appropriate two-factor authentication, secure data transmission, and man-in-the-middle and session hijacking vulnerabilities. The apps were found through empirical testing to avoid significant security vulnerabilities, and do not store or transmit sensitive data insecurely. The appSecure process is performed by qualified forensic and security analysts vs. automated code analysis, an important distinction from other secure app testing providers.

How do I check to see if my operating system is covered?

Android - Go to Settings; About Phone; Look for Android Version
iOS - Go to Settings; General; About, Look for Version

If this is your first time receiving the Lapeer County Bank & Trust Co. Business Connections Quarterly eNewsletter - Welcome! Business Connections is a perk for being our customer and designed exclusively for you - a business person. This newsletter will keep you up to date on things happening in the Bank and around our communities. We welcome your feedback, please send it by clicking here. For additional information on products and services visit us at LCBT.com.

Member FDIC | Equal Housing Lender