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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Market Report: February 2026

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Meet Your Business Banker: Jessica Sarbacker

Jessica SarbackerVice President-Crop Insurance Manager2605 Kennedy Road, JanesvilleJSarbacker@lakeridge.bank(608) 490-2241 Q: What is your role at the bank? Jessica: I became the first full-time crop insurance associate at Lake Ridge Bank in 2011. As our bank’s
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Protect Your Operating Account: Why Business Credit is the Smarter Choice

Why Payment Choice MattersThe way your business pays for everyday expenses affects cash flow, security, and control. Business debit and business credit cards may look similar at checkout, but they work differently behind the scenes—and
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A Financial Checklist Heading into A New Farming Season

As the new season approaches for planting crops and birthing livestock, farmers face both opportunities and challenges in managing the financial health of their business. Proper planning and strategic banking tools can make the difference
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