Lake-Osceola State Bank
Lake-Osceola State Bank supports RTP. FedNow and Zelle participation has not been confirmed.
Baldwin, MI · FDIC Cert #8172
Also known as LOSB
https://losb.com790 Michigan Ave, Baldwin, MI, 49304
Contact info sourced from FDIC BankFind. Directory data last synced July 28, 2026. See methodology.
- Community confirmations
- 0
Submit Route Report
Add a real transfer outcome involving Lake-Osceola State Bank.
Sign in to submit a route report.
Report early direct deposit
Did a paycheck or benefit show up early at Lake-Osceola State Bank?
Sign in to report early direct deposit.
Sending from Lake-Osceola State Bank
Rails observed when Lake-Osceola State Bank was the sending bank.
No sending reports yet for Lake-Osceola State Bank. Once community members report a transfer from this bank, this section will show which rail was used, how many reports were successful, delayed, or unsuccessful, and the average settlement time.
Receiving into Lake-Osceola State Bank
Rails observed when Lake-Osceola State Bank was the receiving bank.
No receiving reports yet for Lake-Osceola State Bank. Once community members report a transfer into this bank, this section will show which rail was used, how many reports were successful, delayed, or unsuccessful, and the average settlement time.
Similar institutions
Other banks in MI.
- Northpointe Bank · Grand Rapids
- First National Bank of America · East Lansing
- Mercantile Bank · Grand Rapids
- ChoiceOne Bank · Sparta
- Macatawa Bank, National Association · Holland
Frequently asked questions
Does Lake-Osceola State Bank support FedNow?
This hasn't been confirmed. Lake-Osceola State Bank does not currently appear in Federal Reserve's FedNow participant list, and no community reports have confirmed this rail for this bank yet.
Does Lake-Osceola State Bank support RTP?
Yes. Lake-Osceola State Bank appears in The Clearing House's RTP participant list, confirmed July 18, 2026.
Does Lake-Osceola State Bank support Zelle?
This hasn't been confirmed. Lake-Osceola State Bank does not currently appear in Zelle's partner directory, and no community reports have confirmed this rail for this bank yet. Zelle's own directory is known to be incomplete — a missing badge doesn't confirm a bank lacks support, only that it isn't listed there.
Does Lake-Osceola State Bank have early direct deposit (EDD) evidence?
No early direct deposit evidence has been reported for Lake-Osceola State Bank yet.