Title & Escrow Banking

Specialized banking solutions for the Title and Escrow industry.

Trusted solutions for your business.

At Luminate Bank, we understand the unique challenges faced by the Title and Escrow industry. As a trusted title bank, we offer specialized banking solutions designed to streamline your operations, protect your transactions, and help you serve your clients with confidence whether you’re managing closings or handling an escrow home loan.


Discover why leading Title and Escrow companies across the country rely on Luminate Bank to support their daily operations and long-term goals.

Why Choose Luminate Bank?

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Treasury Management Customization

Our experienced team understands the intricacies of Title and Escrow operations. We’re here to answer questions, resolve issues, and help you stay productive every step of the way.

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Treasury Management Customization

Banking and Finances Your Way

Our platform gives you the ability to customize your treasury management dashboard, organizing data and tools in the way that works best for your workflow. Built specifically for Title and Escrow companies, it combines ease of use with years of industry expertise.

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Pricing and Value

Competitive Pricing for Unmatched Value

We offer pricing that reflects our commitment to the Title and Escrow industry. Our competitive earned credit rates ensure you receive exceptional value and service, without breaking the bank.

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Geographical Reach

Serving You Nationwide

Luminate Bank provides specialized banking services to Title and Escrow companies in multiple states, combining a wide reach with a community-bank level of care.

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Fraud Prevention

Prioritizing Security in Every Transaction

We know security is critical in the Title and Escrow world. Our comprehensive fraud prevention strategies are designed to protect your transactions and uphold the integrity of your operations.


  • Encryption & Data Protection: Robust encryption safeguards all sensitive information, protecting against breaches and unauthorized access.
  • Customizable Alerts: Receive real-time notifications of potentially suspicious activity, so you can act quickly.
  • State-of-the-Art Tokenization: Advanced tokenization provides another layer of account protection.
  • Dual Approval on Wire & ACH Transactions: An added safeguard for secure payments.
  • Positive Pay & Payee Positive Pay: Protect against check and ACH fraud before it happens.
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Operational Details

Cut-Off Time Information

Stay ahead of deadlines with our efficient funds transfer services and clear cut-off times:


  • ACH: 5:00 PM CST
  • ACH Exception: 10:00 AM CST
  • Check Exceptions: 10:00 AM CST
  • Same Day ACH: 3:00 PM CST
  • Transfer: 6:00 PM CST
  • Wire: 4:00 PM CST

Luminate Bank is proud to support both local and national Land Title Associations (LTAs), reflecting our dedication to the Title and Escrow industry and its success.

Proud to Support Land Title Associations

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Logo for the Michigan Land Title Association, with a blue outline of Michigan and the text

Faces of Humanity

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Want to get in touch?

Whether you’re ready to start a partnership, have questions about our services, or need support, our team is ready to help. At Luminate Bank, your business success is always our top priority.

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The Rise of Mortgage-Free Living: What It Means for Downsizers

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Why Mortgage Rates Went Up After the Fed Cut Rates

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