Other Banking Services
Lawrence Bank offers a wide variety of products to meet the needs of both consumers as well as commercial customers. Please select from the list of banking services to see what Lawrence Bank can do for you!.
Lawrence Bank is an originator for ACH debits and credits. This automated service provides you convenience and accuracy by replacing paper-based transactions with more efficient electronic transactions. Your company's payroll can be electronically deposited into your employees' personal banking accounts at any financial institution. You may also authorize us to accept debits and credits into your account. This service can help eliminate costly delays.
ATM / Debit Cards
With a Lawrence Bank Visa debit card, you have access to your money at thousands of Automated Teller Machines (ATM) in Kansas and Missouri, all across the nation, and all around the world. Wherever you are, your money is as close as the nearest ATM displaying the CIRRUS, Visa, Pulse, InterCept or most other ATM network decals.
For ATM Transactions: Your debit card is simple and easy to use. Just insert your card in the ATM or swipe it through the ATM card reader and then enter your PIN number. The ATM will guide you through the transaction of your choice:
- Withdrawal of funds from checking or savings accounts
- Balance Inquiries
- Transfer of funds between accounts
For store transactions, save yourself the hassle of check writing. Your debit card can be used to make purchases at any store location displaying the Visa logo. Select your preference of either the "credit" or the "debit" option. (The "credit" option will require a signature; the "debit" option will require the PIN.) Make your selection, check out in just a few seconds with your debit card, and be on your way.
Your Lawrence Bank debit card is a valuable link between you and your money anywhere or anytime, emergency or play.
Cashier's Checks
A Cashier's Check represents guaranteed funds and is the much safer equivalent of cash. The Cashier's Check is ideal anytime there is an exchange of ownership interests or property title for the purchaser's payment. Selling a car or boat? Before you hand over the signed and notarized title, make sure you get paid. Payment by cash is fine but not really safe. Payment by Cashier's Check may be a much better alternative.
Cashier's Checks from Lawrence Bank are available to bank customers in exchange for cash or other guaranteed/collected funds.
A word of caution: Cashier's Checks are not subject to a stop payment order and replacement requires a lost instrument affidavit and may require a lost instrument bond from your insurance provider. These items should be treated with special care because they may be difficult to replace.
Only our lobby tellers issue these items and a small fee is charged.
Christmas Club
Christmas Club accounts are a popular program and a convenient way for you to build savings for the holidays. Many of our customers have found that very small periodic sacrifices can gain a great benefit later on. New Club accounts are opened beginning the first week in November, in your choice of a $5, $10 or $20 weekly payment programs. These are non-interest-bearing accounts. Early withdrawal or late payment fees may apply. Open your club account and Lawrence Bank will make the final payment for you.
Collection Services
Wouldn't it be great if every check you received was paid the first time through the system? Unfortunately, that is not always the case. Some checks are returned for insufficient funds or for other reasons. So what do you do to conveniently collect your money?
One method of attempting collection of those returned items is to bring the check to us for collection. We will send the check and a collection letter to the bank on which the check is drawn. Typically we ask the bank to hold the check for 10 days to see if there are, anytime during that term, sufficient funds for the payment of the item. The bank holding the item will either return to us an official check if the item can be paid, or they will return the check to us at the end of the holding period.
We charge a per item fee for this service. (Note: The receiving bank may also charge a fee for monitoring the account and issuing their official check.)
Direct Deposit
For security and convenience we accept Direct Deposit of your Social Security, VA benefits, pension benefits or paychecks! There's no need to rush to the bank to make your deposit or worry about lost or stolen checks. With Direct Deposit, you know your money is safely in your account! We will be happy to instruct you on how to get this set up.
Loan Calculator
Visit our loan calculators.
Money Orders
Need a one-time check to pay a bill or to move money? Never send cash. Use a Lawrence Bank personal money order instead. Money Orders are a convenient, inexpensive, and safe method of payment used by many of our customers. Money Orders provide a valuable proof of payment. As the purchaser, you keep one copy of the Money Order for your records. The payee-endorsed original, once paid, is kept at the bank for an extended period of time. And, if the Money Order is lost, it may be easily replaced without hassle for just the cost of a stop payment order.
Money Orders may be purchased from any of our tellers in any amount up to $1,000. A minimal fee is charged for each item issued.
Night Depository
For the safety and convenience of our customers, a 24-hour night depository is located on the North side of the building through the commercial drive-thru lane. Envelopes are provided for your use. For making larger deposits, visit an account representative to purchase lock bags or to secure a depository key.
Notary Services
Notary services are provided free of charge to our customers. For your protection, we may require proper I.D. with a photo and signature. All information must be completed on the document being notarized; however, do not sign the document until you are in front of a notary public. If you are unsure about what information is required on a document, please contact legal counsel for advice.
Safe Deposit Boxes
What would you grab if you knew a natural disaster would hit your home in five minutes? Besides your family members and pets, you would probably take items that are nearly impossible to replace. For example:
- Adoption Papers
- Automobile Titles
- Birth Certificates
- Citizenship Papers
- Credit Card Numbers
- Death Certificates
- Divorce Decrees
- Family Historical Info
- Household Inventory
- Insurance Policies
- Investment Documents
- Jewelry
- Legal Documents
- Military Records
- Mortgages / Deeds of Trust
- Passports
- Patents & Copyrights
- Rare Coins
- Social Security Information
- Wills
Protect your valuables and important documents from theft, fire, natural disaster, or prying eyes. We have a variety of sizes of safe deposit boxes for your convenience.
The Federal Deposit Insurance Corporation (FDIC) does not cover the contents of safe deposit boxes. A safe deposit box is only a secure storage space provided by the Bank. For box availability, stop in or call us at 785.838.9704, 785.312.7224 or toll free at 866.259.1162.
Stop Payment Orders
If you have ever lost a check or if you have used a check to purchase a product or service that turned out to be misrepresented or defective, you know the importance of a Stop Payment Order. Call us as soon as you become aware of a problem, give us the necessary information, and we will add the stop payment order to our records.
There is a modest fee for each stop payment order requested. While most banks offer stop protection for six months, we keep our written stop orders active for one year. Our bookkeepers and tellers can help you with this service.
Traveler's Checks
Lawrence Bank has partnered with American Express, the standard bearer of the traveler's check industry. Whenever you are traveling, wherever you are headed, American Express Traveler's Cheques provide the safest way to carry extra spending money and the most readily accepted form of payment for goods and services. Cheques are available in denominations of $20, $50 or $100. Cheques are pre-packaged so you can buy almost any combination of Cheques you desire.
We offer the traditional American Express Cheques signed by one purchaser. We also offer Traveler's Cheques-For-Two designed so that two people traveling together may each use the checks for payment.
American Express Traveler's Cheques may be purchased from any Lobby teller. The fee is 1% for traditional checks and 1.5% for Cheques-For-Two.
U.S. Savings Bonds
U.S. Savings Bonds make a great gift and are an excellent way to save for the future! You may redeem eligible bonds or purchase new Series EE and I Bonds at Lawrence Bank. To learn more about U.S. Savings Bonds go to www.savingsbonds.gov.
Wire Transfer Services
The Fedwire System is an electronic funds transfer system that allows bank customers to transfer funds between financial institutions on the same business day. Wire transfer services are available only for Lawrence Bank customers for a nominal fee. There is no dollar amount limit for wire transfers.
Incoming wire notification is available, and outgoing wire transfer requests may be made in person or via fax. Visit the Fed Wire directory for detailed information. Wire transfers can be made Monday through Friday, between the hours of 9:00 a.m. and 3:00 p.m.
Contact us for more information.
