How do I order cheques?
You can order cheques two ways:
- By telephone – Contact one of our advisors at the Telebanking Centre at 1 877 522-3863, anytime, 24/7.
- By web, on LBCDirect – Go on transactional section
How can I settle a bill with variable numbers?
Q: What is a bill with variable numbers?
A: It's a type of bill from the same organization but the bill number changes with every issue. For example: SAAQ.
Q: How can I settle a bill with variable numbers?
A: You can pay a bill with variable numbers via LBCDirect Internet (including LBCDirect Mobile), any Laurentian Bank automated banking machine or in person at one of our branches.
Q: Can I pay a bill with variable numbers by phone?
A: No, it's not possible to settle a bill with variable numbers by phone.
Q: How do I go about settling a bill with variable numbers via LBCDirect Mobile?
A: You must first register the bill (fixed or variable number) with your account in order to make it available on LBCDirect Mobile.
Q: How do I go about adding a bill with variable numbers to my LBCDirect Internet account?
A: Akin to bills with fixed numbers, you can add a bill with variable numbers via the LBCDirect website (under the Bill payment tab). However, just click the Help tab for detailed instructions. In addition, you also have the option to call the Telebanking Centre at 514-522-1846 or toll-free at 1-800-252-1846, available 24/7/365. It will be their pleasure to be of assistance.
Q: Must I enter the bill number every time I pay a bill?
A: Since the bill number changes from one bill to the other (i.e. variable numbers), only the company name will be registered to your account. You will be required to enter the bill number for each payment.
Q: May I program post-dated payment on a bill with variable numbers?
A: Yes. Post-dated payments may be programmed for both fixed and variable number bills via the LBCDirect website.
How do I issue a stop payment?
You must make a stop payment by telephone by contacting one of our advisors at the Telebanking Centre at 1-877-522-3863 (service offered 24/7).
It’s possible to make a stop payment involving a personal account only if:
- The cheque or preauthorized payment has not yet been debited from your account.
- The funds equal to the amount of the payment are available in your account.
When you contact the Telebanking Centre, you should have the following information in hand:
- name of the beneficiary of the cheque or payment
- exact amount of the cheque or payment
- date of the cheque or payment
If all the necessary information is provided, and you don’t have the Gold Service plan , Financial Elite ou Privilege Plus or Senior Citizen Program, Indispensable Option a fee of $13 will be charged to your account. If the information required is incomplete, a fee of $20.00 will be applied to your account.
How do I make an international transfer to the Laurentian Bank?
Information required to process a transfer into a Laurentian Bank of Canada account is usually the following:
- Name of the beneficiary;
- The Laurentian Bank of Canada’s S.W.I.F.T. code (BLCMCAMM);
- The 5-digit transit number (begins with 0 followed by the branch number and ends with 1). For example, the transit number of branch 025 is 00251. This number appears on your monthly bank statement, on the LBCDirect website and at the bottom of your cheques;
- The bank account number as well as the suffix of the Laurentian Bank account;
- The postal address of beneficiary’s LBC branch;
- The Laurentian Bank’s institution number (039);
- The routing number (or “ABA”) of the Laurentian Bank of Canada (026 009 593).
Please note that cable transfers are subject to reception fees of $15.
How do I make an international transfer from the Laurentian Bank to another institution?
You may transfer funds from the Laurentian Bank to another financial institution by cable, money order or bank draft or via the Western Union service. A cable transfer is the fastest way to transfer funds abroad. Processing time ranges from 2 to 30 days, depending on the destination, however the delay is not guaranteed.
The following information is required to transfer funds by cable:
- Name of the beneficiary;
- The bank transit number, the branch number and the account number to which funds must be transferred as well as the name and address of the bank;
- The receiving bank’s S.W.I.F.T. code;
- The receiving bank’s routing number (or ABA »);
- The receiving bank’s telex number.
Please note that the Bank does not use the new IBAN code, a recent European standard. However, should you use this code, the transfer will nevertheless be processed.
Transfer fees on Canadian currency are:
- $0 to $9,999: $20;
- $10 000 to $24,999: $28;
- $25 000 to $99,999: $40;
- $100 000+: $70.
This type of transaction must be made in person at the branch. Please contact your branch by dialling 1 877 522-3863, during regular business hours, to explore options available to you.
How can I transfer funds between my Laurentian Bank account and that of another financial institution?
It’s possible to transfer funds from an account held at another financial institution to your Laurentian Bank account through our LBCDirect online banking service. However, it’s not possible to transfer funds online from your Laurentian Bank account to an account held at another financial institution.
If you wish to transfer funds from your Laurentian Bank account to an account held at another financial institution, you can establish a direct deposit agreement with the receiving institution.
How do I transfer funds between Laurentian Bank accounts?
A transfer of funds between two different accounts can be performed by telephone, at a branch or through our Web site.
With regard to such a transaction, please take note of the following:
- Requests made by telephone before 7 p.m. from Monday to Friday will be processed the same day.
- Requests made before 4 p.m. on Saturdays and Sundays will be processed the same day.
- Requests made after 7 p.m. during the week, and after 4 p.m. on weekends, will be processed the following morning.
How do I cancel a pre-authorized payment?
Pre-authorized payments are agreements, usually contractual in nature, made between you and a given company. Therefore, if you wish to interrupt payments, you must contact the company directly to make appropriate arrangements. Pre-authorized payments should cease automatically. Please note that we do not have the authority to terminate a contract between you and another company.
However, if the company fails to interrupt payments, you must send them a letter by registered mail and keep the receipt (as proof of delivery). If the company ignores the letter, please inform a branch representative and he/she will suggest appropriate actions to cease payments. Make sure to keep copies of emails and other correspondence to and from the company acknowledging your request.
What is the holding periods on my funds?
The maximum hold period on deposits not made by tellers is 5 business days, regardless of the amount deposited. Our hold funds policy remains the same for deposits made over the counter, that is, 4 to 7 business days according to the amount of the deposit. The hold is applicable to the amount exceeding that which is permitted by the customer’s deposit withdrawal rating or under the Access to Funds Regulations. Refer to the My Money brochure for more details.