Coming February 24–26, 2026

New Online Banking System

Lake Region Bank is dedicated to ensuring your account is secure and reliable. Your online success is our number-one priority. With that in mind, we will be performing an online banking system shut down for approximately 40 hours starting on February 24 at 5:00 pm. The new system will launch on February 26 at 8:00 am. During this time, there will be no access to accounts online or in the mobile app. Please contact us for account inquiries during this time.

Coming February 24–26, 2026

An Easier, More Convenient way to Bank Online

The new Lake Region Bank online and mobile banking system is built for the way you want to bank. It has all the tools you need to achieve your financial goals and meet your everyday banking needs, wherever you go.

Lake Region Bank’s new online banking system and mobile app will improve your user experience and build on the robust security you already expect from us.

User-friendly experience
More convenient
Highly secure

Our new system goes live in late February. Be on the lookout for more information on our blog, in your email inbox, and on our Facebook page.

What You Need to Know

About the Upgrade

The system upgrade will occur from Tuesday, February 24 to Thursday, February 26.
Most of your account details will be available and ready to use, including your transaction history, bill pay payee information, scheduled payments, internal transfers, and eStatement settings.
Recurring internal transfers will also carry over.
Alerts settings will NOT transfer.
Card control settings will NOT transfer.
External transfers and history will NOT transfer.

What You Need to Do

Before February 24th

Review and update your Lake Region Bank online banking profile to confirm it includes your current phone number and email address.
Watch your email and current digital banking account for details on how to set up your upgraded online login and download the new mobile app.
Save or print a copy of your external transfer history for your records before February 24.
Download the Lake Region Bank mobile banking app once it becomes available.

What You Need to Do

After February 26th

Once you have logged into the new system on or after February 26:

Review and edit your recurring internal transfers, if applicable.
Set up external transfers, if applicable.
Set up your alerts settings as you wish.
Set up your card control settings as you wish.

First-Time Login Process

IMPORTANT: To ensure a smooth first-time login process, it is important that your online banking profile includes your current phone number and email address. Please login to review and update this information as soon as possible. If you need assistance, please contact us at 320-235-5900.

Once the new system is live on February 24–26, you will be able to login using your existing User ID and Password. Upon your first login, you will have the option to receive a text or phone call with a one-time passcode to verify your identity. You will simply enter this passcode into the system and submit to securely login.

Please be aware of the following key first-time login reminders.

If you utilize biometrics to access digital banking, be sure you know your User ID and Password prior to February 24.
If you are unsure of your User ID, please contact us for assistance.
If you are unsure of your Password, you can easily reset it by selecting “Forgot Password” from the online banking login screen and following the on-screen prompts.

Banking First Time Login Process with Soft Tokens

Registration Workflow

If you have a hard token, please give us a call during your first time login as we need to register your device into the new system.

User logs into XD (separate flow with SecureNow). Once authenticated, XD displays a Soft Token registration flow, and a Cronto image is generated (see XD Desktop below). User then opens the Digipass app on their mobile device.
Digipass app displays the “Get Started” Screen.
User Scans the CRONTO image displayed by XD (Desktop) with the mobile device camera (while Digipass app is open); Digipass will then generate a code.
User enters the registration code in XD; selects Continue. (Process continues on the next slide)

Logging Into Your Account

Login & Step-Up

NOTE: End user should have the Digipass app installed on their mobile device, with a previously registered token activated (see previous section).

OTP is delivered to the phone (within the Digipass app)
User is set to Always challenge
Login:
- Normally uses SecureNow (Risk/OTP)
- Users can be forced to use token on login
- If a user has logged in using tokens, XD views this as a stronger form of authentication
Step up Configuration:
- Always challenge: Software Token OTP always generated Risk-based: Challenge only if user has not been challenged before
- Behavioral-based challenge: requires Behavioral Analytics, separate option

Banking on the go

Our New Mobile Banking App

Our mobile banking app is also getting an update! Once the new system is live on February 26, you can access the Lake Region Bank mobile banking app in two ways:

1. Through Our Current Mobile Banking App

When you open our current app on or after February 26, you will be redirected to download the new app. Once downloaded, login with your existing User ID and Password as noted above, then delete the old app.

2. Direct Download

Search for Lake Region Bank in your device’s app store and download the new app. Login with your existing User ID and Password, as noted above. Once you’ve downloaded the new app, please delete the old one.

NOTE: If you previously used biometrics to login, you will need to reestablish this feature within the new app.

Video Tutorials

We’ll be sharing more how-to videos as we get closer to our launch date. Check back often for more videos!

New Online Banking System FAQs

When will the new online and mobile banking system go live?

The upgrade will take place between Tuesday, February 24 and Thursday, February 26. After that time, you can begin using the new online banking dashboard and mobile app.

Will my existing account information transfer to the new system?

Yes. Your transaction history, bill pay payees, scheduled payments, internal transfers, recurring internal transfers, and eStatement settings will carry over automatically.

Which items will not transfer to the new system?

You will need to reestablish a few settings in the new system. These include alerts settings, card control settings, and external transfers.

What do I need to do before February 24?

Please review your online banking profile to ensure your email and phone number are current, watch for setup instructions in your email, save any external transfer history you want to keep, and be prepared to download the new mobile banking app.

How do I log in for the first time after the upgrade?

Use your existing User ID and Password. You’ll receive a text or phone call with a one-time passcode to verify your identity, then enter that code to log in securely.

What if I forgot my User ID or Password?

If you need your User ID, contact us at 320-235-5900. If you need to reset your password, click “Forgot Password” on the login screen and follow the prompts.

How do I download the new mobile app?

On or after February 24, you can either follow the redirect from our current app to download the new one, or search “Lake Region Bank” in your app store and download it directly. Then simply log in with your existing credentials and delete the old app.

Will biometric login still work?

Yes, but you will need to re-enable biometrics (such as Face ID or fingerprint login) after you sign in to the new mobile app for the first time.

Have Questions?
We Have Answers.

Stop into any of our convenient locations or call us for help with downloading or logging into the new system.

Help us spread the news by sharing this page—thanks in advance!