New System Features
Frequently Asked Questions
What can I do to prepare for the upgrade?
Conversion Timeline and Milestones
Enroll in New Online Banking
Availability of the New Mobile Banking
Telephone Banking System
Call Center Availability
Account Suffix Conversion Table
What should I do after the upgrade?

News from Mark Bold
As announced in March, we are upgrading our core processing system starting on April 27th.

This project is a major undertaking for our staff and technology partners as it affects all aspects of our operations. In addition to our core processing system, which is the technology used for transaction processing and maintains our shares and loans, we are also upgrading our Online Banking, Mobile Banking app, and remote deposit capture.

We know this is an inconvenience for our members but hope you will be patient as we work through this process. Our staff are excited to move through this process as it will provide greater functionality for members, better products and services, as well as streamlined daily processing. Once complete, members will enjoy advances in our technology products, quicker processing times, and more self-serve options.

We will close at 5:00 pm EST on Thursday, April 30th and we will be closed on Friday, May 1st to allow us to complete the upgrade process. During this time you will not have access to our online services and will be subject to lower debit card limits. However, we will work as quickly as possible over the weekend to bring these services online as soon as the process is complete. We have designed this system upgrade guide as a roadmap for a smooth transition to our new services. We are also providing additional phone support for the weeks following the conversion by partnering with our new provider’s call center. These calls will be answered by Michigan-based, experienced staff who can assist with any questions you may have.

We are excited to bring these changes to our members, providing state-of-the-art systems with stable functionality is always our goal.

While change is always hard, rest assured our staff will work hard to make sure the issues are minimized and our systems are aligned with member expectations.

Have additional questions? Stop into our office or call us at 410-687-5240.

Thank you in advance for your patience during the upgrade process.

Mark Bold, 
President

Some of The New Features Include:

• A new Online and Mobile Banking platform that includes added security.
• Report debit cards lost/stolen in the mobile app.
• Improved core system reliability and availability.
• Improved eAlerts for account balance, transactions, deposits, etc.
• Near Real-Time Processing of Remote Deposit Items. (No more waiting for that file to post!)
• Credit card users will have a direct link within Online and Mobile Banking to link to the eZCard Info website without the need to remember your eZCard login credentials. The eZCard Info website features include making a payment, access credit card account history and statements, set account and transaction alerts, and more.
• Create auto transfers and ACH transfers within Online Banking or the Mobile Banking app
• Later this summer the payment app Zelle will be accessible through the new Mobile Banking app.
• We are introducing an automated Telephone Banking system.

Frequently Asked Questions

What is a core processing system?
The core processing system is the computer system used to maintain accounts and process transactions.

Why is LMFCU upgrading the core processing system?
Our new core processing system will allow us to serve you more efficiently and enable us to offer new products and services.

Is my personal data safe during the conversion?
Yes, your personal data and account information is safe and secure, as always.

Are my funds still safe and secure?
Yes, your funds remain secure. All LMFCU accounts continue to be insured by the National Credit Union Administration (NCUA) Share Insurance Fund up to $250,000 per account.

Will I be able to see my transaction history online and in the mobile app?
NO, history prior to May 1st will not be available on the new system. Keep your account statements handy.
Your April account statement will be available through the office and will also be mailed to you in early May.

What about my direct deposit or ACH, do I need to update the suffixes?
No, LMFCU staff will handle this behind the scenes. If you are setting up new ACH items or direct deposits see new format on page 6.

Will I have access to my old eStatements after the upgrade?
No, members should download or print their eStatements for March 2026 and earlier prior to 4/30/26.

Will my account numbers change?
No. Member account numbers will remain the same.

Will my account suffixes change?
Yes, please see the conversion chart on page 5, titled New Suffixes.

Will I be able use my debit card during the upgrade period?
Yes, you will be able to use your Visa debit and ATM cards with reduced ATM cash withdrawal and Visa purchase limit amounts. If you know you will be traveling during this time, please contact us in advance to have your limits increased.

What is the phone number for Telephone Banking?
1-833-495-7570. See instructions on page 4.

Will my Online Banking log-in change?
Yes. Please see instructions for It’sMe24/7 on page 4.

Will my mobile app change?
Yes. Please see instructions for It’sMe24/7 Mobile on page 4.

Why does the Mobile App state TBD in the schedule?
The mobile app must be certified by Apple and the Google Play Store. This can take time and  we can’t control this piece of the upgrade.

Will there be changes to my VISA credit card?
No, your VISA credit card will not be affected by the upgrade.

Will I receive new checks?
No, there are no changes to checks. When a new check order is placed the MICR number will be updated.

Will recurring or prescheduled bill pay items continue to post?
Yes, all bill pay history and recurring payments will continue. Transactions scheduled after April 29th may be delayed by one or two days.

What can I do to prepare for the upgrade?

• Office closed Friday May 1st, reopens Monday May 4th
• Download any past account statements for your records prior to April 30th
• Plan ahead for cash withdrawals and transfers dated for May 1st to be posted before May 1st
• Have extra cash on hand as Visa check card and ATM card access is very limited until Monday the 4th.
• Debit and ATM cards will be available on a limited basis from April 30th to May 3rd: consider using a credit card for daily purchases.
• Make sure you know your account (member) number.
• Account history prior to May 1st will not be available on the new system.
• Make sure your phone numbers and email are up to date on your account. Feel free to call us to confirm!
• One-time paper account statements for April will be mailed in early May

Conversion Timeline and Milestones

Monday, April 27th: 
Replacement ATM and Visa check card orders will be held until May 4th

Thursday, April 30th: 

• ATM and Visa check cards are subject to lower usage limits as of 4:00 am EST
• Access to Online & Mobile Banking and RDC is shutdown as of 12:00 PM
  • This includes access to Internet Bill Payment
  • Schedule all Bill Payment items by 11:00 am
• The Credit Union office closes at 5:00 pm EST
• All pending ACH transactions received by mid-day for the 1st of May are posted

Friday, May 1st:
The office is closed while we convert to our new system.

Saturday, May 2nd:
The office remains closed while conversion work continues.

Monday, May 4th: OPEN NOW!

• Telephone call center begins taking member calls at 8:00 am EST
• ATM and Visa check cards access is restored to normal in the morning.
• The Credit Union office opens at 9:00 am EST, closes at 5:00 pm
• Posting and access to ACH deposits and transactions returns to normal.
• Enrollment in desktop Online Banking begins, also providing access to Internet Bill Payment
• Access to our new & improved online membership application is activated.

To be determined: Access to the new Mobile Banking app and RDC.

Our upgraded Online Banking system that offers the new features on the previous pages, is now called It’sMe24/7.  Since this is a new Online Banking platform, you will need to re-enroll in this service when you access it for the first time.

FIRST TIME LOG-IN:
1.  Go to www.LMFCU.org and click on It’sMe24/7.
2.  Click “First Time User”
3.  Enter your member account number and type in your full Social Security Number.
4.  You will then receive a text or email two-factor authentication code to the phone number or email on file for your account.
5.  Enter your authentication code and you will be prompted to set up your password and save.
6.  Complete the requested security questions.
7.  Answers are not case sensitive.
8.  Click Save my Questions.
9.  Accept the terms and conditions of use.
The password you create will be used to log in to the Mobile Banking App the first time as well.

Our upgraded Online Banking system offers more user-friendly features and more functionality through the new mobile app! Once the upgrade is complete, you’ll need to delete the current app and download the new mobile app.

1. Delete the old Mobile Banking app from your phone.
2. Go to the Apple Store or Google Play Store search for LM Federal Credit Union. Download the app.
3. If you already logged into ItsMe24/7 Online Banking, use those credentials to log in. If not go to step 5.
4. Click “First Time User”.
5. Enter your member account number and type in your full Social Security Number.
6. You will then receive a text or email two-factor authentication code to the phone number or email on file for your account.
7. Enter your authentication code and you will be prompted to setup and save your password.
8. Complete the requested security questions.
9. Answers are not case sensitive.
10. Click Save my Questions.
11. Accept the terms and conditions of use.

Please note: Your login and password will be the same as the It’sMe24/7 desktop Online Banking log-in that
needs to be created.

Improved Online Banking Features
What to expect!

• Reset your user name and password without calling the Credit Union.
• Receive notification when passwords or personal information is updated.
• Add messages to your account transfers. “Jump” to other accounts you are joint on without logging out of your primary account.
• Set up recurring transfers without calling the Credit Union. Download account activity.
• Review loan payoffs. Restrict the use of your Debit card if lost or stolen and remove the restriction when you find it.
• Transfer funds to another member. Message our staff.
• Set alerts on balances and transactions, and deposit your checks in a near real time environment (no more waiting).
• Ability to apply for a skip a pay within It’sMe24/7.

First-time user: Call 1-833-495-7570 and enter your member number.

• Enter your temporary pin (last four digits of the primary account holder’s social security number).
• You will then be prompted to enter a new PIN, enter a new PIN, and press #.
• Confirm your new PIN.

Select menu options:

1. Account inquiries, including balances and recent transactions.
2. Funds transfer.
3. Hear current rates or calculate estimated loan payments.
4. Change your PIN.
5. Change to a different member number.
6. Other CU Services-including locations and hours.
7. Repeat this menu.
8. End call.
9. CU Talk Tutorial (press* to exit the tutorial and return to the main menu).

Call Center Availability
Core Processing Professionals on standby for our members!

We heard your concerns about phone support!
During the two weeks post-upgrade we will have a call center dedicated to serving your phone call needs, answering your questions, and helping you get set up with our new digital banking services. For your assurance, the call center will be following the policy manual for all member interactions and will properly identify members.

DATES AVAILABLE
Call Center coverage begins Monday, May 4th, 2026 and ends on Friday, May 15th, 2026. Service is available from 8:00 am to 5:00 pm Monday through Wednesday and 8:00 am to 6:00 pm on Thursdays and Fridays.  The call center may be directly reached by calling 410-883-9733.

REQUIRED INFORMATION:
Members will need to know their account (member) number. You will also be asked several verification questions. Joint owners should know the account number and their personal information.

SERVICES INCLUDE:

• Assist with It’sMe24/7 and Telephone Banking setup.
• Complete PIN and challenge question resets.
• Member service requests: balances, check clearing after May 3rd, May account history starting May 4th, transfers, deposit and loan balances, updating member contact information.
• Provide hours of operation.
• Take a message for LMFCU staff to promptly contact you.

CALL 410-833-9733 FOR ASSISTANCE

ACH or Direct Deposit

Current ACH and Direct Deposit Items will be converted.
New ACH or Direct Deposit Transactions after 5/1/26, see below for instructions.

• Savings - Add the suffix to the end of the account number. (For example, if your account number is 12345, deposits to savings should be listed as 12345000 (for Savings)
• Checking - Please use the MICR Number on the bottom of your checks.

What should I do after the upgrade?
Read this upgrade guide in its entirety. Watch our website and Facebook page for notifications of services as they come online.

• Be patient with our staff as they are learning the new system.
• Contact the office if you can’t wait for your April statement in the mail.
• If you typically use Online Banking and/or Mobile Banking and internet bill pay, log into It’sMe24/7 online using instructions in this guide.
• Verify all of your bill pay recurring payments transferred correctly.
• Verify your auto transfers posted for May 1st posted on May 4th.
• Set up new services you wish to utilize.
• Use correct format when setting up new ACH or Direct Deposit items.

We want to thank you in advance for your patience and understanding while we work through this upgrade. Wait times in our lobby and drive thru may be longer than normal as we assist members with our new products and services.