Lake City Bank
Community Banking That Serves Every Member of the Community
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Compliance
Compliance Achieved
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Website + App
Both Platforms Audited
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Real Users
Tested with Disabled Testers
The Challenge
Lake City Bank is one of the largest community banks in Indiana, with deep roots in the markets it serves and a mission built around relationship banking and community investment.
Lake City Bank is one of the largest community banks in Indiana, with deep roots in the markets it serves and a mission built around relationship banking and community investment. For a bank whose identity is defined by serving its neighbors, the discovery that its website and mobile app presented real barriers for customers with disabilities was both a compliance concern and a values concern.
Community banks occupy a unique position in the accessibility landscape: they often serve older populations and rural communities where disability rates are higher, and they carry the trust of customers who have banked with them for decades. An inaccessible digital experience doesn't just create ADA exposure — it risks alienating the very customers a community bank exists to serve.
As ADA Title III enforcement in the banking sector continued to intensify, Lake City Bank needed a trusted partner to audit both its digital platforms, remediate every barrier, and verify the results — ensuring that every customer, regardless of ability, could bank with the same ease and confidence online as they could in a branch.
The Inclusive Web Solution
Inclusive Web conducted a thorough human-led WCAG 2.1 AA audit of Lake City Bank's public-facing website and mobile banking app, evaluating every critical customer-facing flow — from account information and product pages through online banking login, account management, and customer support.
Our approach was built around Lake City Bank's customer base — ensuring that the remediation roadmap prioritized the flows most used by everyday retail banking customers, including older adults and individuals with disabilities who depend on digital banking tools for independence and convenience. Every fix was verified by our team before sign-off.
Human-led WCAG 2.1 AA audit of the Lake City Bank public website, including product pages, branch information, and account opening flows
Mobile banking app audit across iOS and Android, covering login, account management, transfers, and customer support
Accessibility review of banking-specific UI components — secure forms, account dashboards, and transaction histories
Remediation roadmap prioritized by customer impact and ADA legal risk
Developer-ready guidance with specificity appropriate to both web and native mobile environments
Fix verification — no issue marked resolved without real-world confirmation
Real-user testing with testers who identify as disabled, validating the retail banking experience across screen readers, keyboard navigation, and voice control
Ongoing monitoring program to protect compliance as Lake City Bank evolves its digital products
Real-User Accessibility Testing — In Financial Services, the Stakes Are Higher
Inclusive Web validated Lake City Bank's website and mobile app with testers who identify as disabled and rely on assistive technologies daily — including screen readers (JAWS, NVDA, VoiceOver), keyboard-only navigation, and voice control. In financial services, accessibility isn't just about usability — it's about ensuring every customer can manage their money, access their accounts, and make informed financial decisions with full independence.
The Result
WCAG 2.1 AA compliance achieved across both the Lake City Bank website and mobile banking app
All critical retail banking flows — account information, online banking, transfers, and support — accessible to customers relying on assistive technologies
Banking-specific UI components including secure login forms, account dashboards, and transaction tables made fully accessible
ADA Title III legal exposure substantially reduced
Real-user testing confirmed that Lake City Bank customers with disabilities can manage their accounts with full independence, on both web and mobile
Lake City Bank's digital experience now reflects its community banking mission — serving every member of the community it calls home
Ongoing monitoring in place to maintain compliance across future product updates and digital banking enhancements
"We've built this bank on the idea that everyone in our community deserves to be served well. Inclusive Web helped us make sure that promise extends to our digital products — for every customer who relies on them."
Digital Marketing, Lake City Bank
Services Delivered
Compliance & Regulatory Drivers
Federal obligations and public expectations that made this work essential.
ADA Title III Legal Risk Mitigation
WCAG 2.1 AA Compliance
Community Mission & Customer Trust
Banking Sector Regulatory Awareness
Is your community bank's digital experience accessible to every customer you serve?
Inclusive Web helps financial services companies meet ADA obligations, reduce litigation risk, and build digital products that every customer can use — regardless of ability.