Public DepositorY BANKING

We provide secure, efficient banking solutions for municipalities, schools, and public entities—so you can focus on serving your community.

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Banking Designed for Public Entities

Serving a public entity comes with unique demands. We provide specialized solutions to help you manage finances efficiently, safeguard taxpayer funds, and maintain transparency with stakeholders.

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Public-Sector Account Services

Flexible checking and savings accounts built for government operations and reporting needs.

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Secure Cash Flow Management

Speed up receivables, payroll, and vendor payments with treasury and payment tools.

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Fraud Prevention Controls

Implement safeguards like Positive Pay and ACH filters to protect public funds.

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Financing for Public Projects

Access loans for capital improvements, facility upgrades, or operational needs.

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Local, Responsive Support

Work with bankers who understand public-sector requirements and compliance.

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24/7 Digital Access

Monitor accounts, transfer funds, and review activity securely anytime, anywhere.

Trusted Solutions for Managing Public Funds

Auto Loans

Online Banking

Securely manage public accounts around the clock. Transfer funds, review transactions, and access statements with online and mobile banking.

Explore Online Banking
Mortgages

Fraud Protection

Protect taxpayer dollars with real-time alerts, ACH filters, and Positive Pay—designed to help you detect and prevent unauthorized transactions.

See Fraud Protection Tools
Money Transfer

Payment Solutions

Streamline vendor payments, payroll, and receivables with ACH, wires, and secure online payment systems tailored for public entities.

View Payment Tools
Savings

Business Loans

Secure financing for public projects, infrastructure, or operational support—structured to meet government procurement and cash flow requirements.

See Loan Options

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Banknotes Blog

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Meet Your Banker

Meet Your Banker: Ophelia Bailly

Ophelia BaillyAVP Card Services and Portfolio Manager608-310-12655515 Monona Drive, Mononaobailly@lakeridge.bank 1. What is your role at the bank? What are some things that you help bank customers with? Why might people interact with you at
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Making Banking Easier: Control Spending and Protect Against Fraud By Using Virtual Cards

By Ophelia Bailly, AVP Card Services and Portfolio Manager Lake Ridge Bank is excited to introduce SpendTrack Virtual Cards, a new way to make business purchases with added flexibility, control, and protection. People might be
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7 Money Moves Every Business Owner Should Consider Before Year End

Autumn is a good time of year to step outside day-to-day tasks and think about the big picture for your business. Year-end is an opportunity to look back at what worked, identify what didn’t, make
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Meet Jen

Meet Your Banker: Jen Doescher

Jen DoescherRetail Manager1740 Springdale St.Mount Horeb, WIJDoescher@lakeridge.bank(608) 416-4835 Q: What is your role at the bank? I began my banking career with Lake Ridge Bank in 2002 as a Customer Service Representative and later as
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