Lowell Five Bank



Frequently Asked Questions    
Click on a topic below to learn more.


Online Banking   
Is online banking secure?

Yes. We use Transport Layer Security (TLS) encryption for all communications. Lowell Five Bank has other protective measures to ensure data security, such as firewall protection, login sessions with a time-out limit and restricted failed attempts imposing a lockout from Online Banking. You must remember however, that one of the most important security measures is your responsibility – keep your personal information confidential.

What equipment and software do I need to access Online Banking?

You will need an Internet Service Provider (ISP) and browser software that supports Transport Layer Security (TLS) encryption, such as:

  • Microsoft Edge
  • Mozilla Firefox
  • Google Chrome

In all cases, it is important that you use the most recent release of your computer’s browser software.

Can anyone else access my account information?

No. Your online account information is available through access methods that have been rigorously tested for security. The information is not public. Only you can access your information using your unique login credentials.

You can help safeguard your information and the banking systems by protecting your login credentials. Never give out your Sign-On ID or Password, and always log off of the system after each session.

If Online Banking goes down will my transfers be completed?

You can be assured that any transaction processed prior to the system going down will be completed. 

What happens if I don't sign out?

The system will automatically log out of the current session after 15 minutes of being idle. However, in order to keep your information secure, you should always Sign Out of your online session. 

How can I change my Sign-On ID?

For security Sign-On IDs can only be changed in person at one of our branch locations. 

Mobile Banking   
What do I need to use Mobile Banking?

You will need:

  • Valid Online Banking credentials
  • Lowell Five's Mobile Banking app
  • A compatible mobile device

Enroll for Online Banking here .

Download our mobile banking app  here .

Review our list of compatible mobile devices here .

How do I know if my device is compatible?

Review our list of compatible mobile devices here.

How much transaction history is available through the mobile app?

There is 90 days of transactions history available through the mobile app. 

Bill Payment   
What is Bill Pay?

Bill Payment allows you to pay any company or person you owe.

How do I access Bill Pay?

Log into Online Banking from a desktop computer:

  • Payments
  • Pay your bills
  • If prompted, accept the Terms and Conditions

Can I make a payment to anyone?

Pay anyone in the United States or its territories  that you would normally pay by check, automatic debit, or cash. You can pay companies, friends and family members, and service providers. 

We don't recommend using Bill Payment to make state and federal tax payments or court-ordered payments. Such payments are discouraged and must be scheduled at your own risk.

Can I pay bills with my credit card or savings account?

A valid checking account that supports electronic transactions is required.

How are payments issued?

Payments are sent electronically whenever possible. If the payment recipient cannot receive electronic payments, a check is printed and mailed on your behalf to the address you provide.

Mobile Deposit   
What is Mobile Deposit?

With Mobile Deposit you can make check deposits from anywhere, at any time using the camera on your mobile device.

How do I sign up for Mobile Deposit?

Mobile Deposit will automatically available through the mobile banking app within 1 business day after enrolling for online banking. 

What are the hardware and software specifications to use Mobile Deposit?

Mobile Deposit is available through the mobile banking app on compatible iPhone® or Android™ mobile devices. Access to your mobile device's camera is required.

How do I deposit a check using Mobile Deposit?

Log into Online Banking through our mobile app using your mobile device:

  • Endorse the check with the words “For Mobile Deposit” AND the payee’s signature.
  • Tap on Deposit.
  • Fill in the required information on the screen.
  • Take a picture of the front of the check.
  • Take a picture of the back of the check.
  • Click Deposit.

What types of checks does Mobile Deposit work with?

Acceptable Checks :

  • Single-party, domestic checks made payable to an owner of the Lowell Five account.

Unacceptable Checks :

  • Foreign checks.
  • Third party checks.
  • Photocopies of checks.
  • Checks written to you that are drawn on any other account you may have.
  • Items stamped “non-negotiable.”
  • Stale-dated or post-dated checks.
  • Checks that contain evidence of alteration to the information on the check.
  • Checks purported to be a lottery or prize winning.

Are there any deposit limits?

Yes, default deposit limits are set as follows and are subject to review and change at any time.

Personal Retail Users:

  • Per Deposit Limit: $5,000.00
  • Daily Deposit Limit: $5,000.00

Business Users:

  • Per Deposit Limit: $10,000.00
  • Daily Deposit Limit: $10,000.00
  • Company Deposit Limit: $10,000.00

Is the check hold policy different when checks are deposited through Mobile Deposit?

If you do not make your deposit in person to one of our employees, funds from these deposits will be available on the second business day after the day of your deposit.

What should I do with the check once it has been deposited?

After confirmation that we have received an image, you must securely store the original check for 7 days after transmission to us. Once you acknowledge acceptance of the deposit, you can destroy the original check(s) by shredding or another secure method.

Please note, you are solely responsible and liable for the security and storage of the original checks and take full responsibility for any loss or misappropriation of these checks.

How long is my deposit history available for viewing?

Deposit history is available for the previous 30 days.

Electronic Statements   
How do I enroll for electronic statements/bills?

With our Electronic Statements platform, you have the freedom to choose a preferred delivery method for each account statement and loan bill.

Account statements, loan bills and tax forms are securely stored and can be accessed for up to 36 months.

To enroll for electronic statements simply login to your online banking, click the Statements button, accept the disclosure, and then follow the on-screen prompts to confirm or change your preferred delivery method(s).

Changes will automatically take effect on the account’s next statement cycle.

Unable to log into Online Banking?

Excessive failed attempts to access your online banking will result in access being restricted.

  • Forgot your password? Click here   to reset it. During this process you will be required to create a new password.
  • Forgot your security questions? You will need to contact a client service representative at (978) 452-1300.
  • Forgot your Sign-On ID? You will need to visit your local branch or contact a client service representative at (978) 452-1300.

Please be aware that failed attempts are cumulative.

I requested to add an account, but it doesn't show in my Account Overview.

The account will be available to you on your next login or within 1 business day.

Occasionally, I am presented with an ALERT screen while working within Online Banking.

If you are idle on a particular page for a while, the system may interpret this to mean that you have left the system and will subsequently sign you off and you will need to sign back on again.

What are Cookies?

Cookies are small text files on your system, used to keep track of settings or data for a particular website. Websites can use cookies to identify a returning user or to pass information between web pages in a single visit.

During the enrollment process I was presented with an error message.

If the information provided during the enrollment verification doesn’t match the information we have on file for you, additional verification is required. Please call our main line at 978-452-1300 for assistance.



Need further assistance?
Visit our website for more information or contact us at (978) 452-1300.