Online & Mobile Banking Online Banking Mobile Banking Mobile Deposit Bill Payment eStatements Online Banking Enrolling is easy! Click the blue button at the top of the lmfcu.org home screen. Click "First Time User" and follow the prompts. Your access is immediately activated! Any member may use Online Banking (no checking account required!) Enroll in Online Banking Online Banking - Features Transfer funds between different account numbers eStatements are available upon enrollment. Within desktop Online Banking click the “Member Services” menu at the top of the screen and select “eStatements”.. Account transfers are posted IMMEDIATELY! Account balances are always up-to-the-minute! Online & Mobile Banking users: From the Online Banking home screen click "Quick Transfer". New Online Banking will not have eStatements available for April 2026 or prior. Contact the office if you need a statement copy for April 2026 or earlier. Pending check card transactions are listed in account history Internet Bill Payment is free, click for details. To get detailed account information: Click on the account you want the detailed information for. Click on the gear icon on the right and select "Account Details". Online Banking Notification eAlerts: You can set up many different types of account eAlerts. On the Online Banking home screen, click on the profile icon in the upper right corner. Click “Personal Info & Settings” and then "eAlert Subscriptions". Click the "Create New eAlert" orange button. Choose the type of alert you would like to setup. Daily Account Balance: Send an eAlert message at the end of each business day with my account balance. Account Threshold: Send an eAlert message at the end of each business day when my account balance is above or below the threshold. ACH Transactions: Send an eAlert message when an automatic deposit or withdrawal occurs. Number of Posted Transactions: Send an eAlert message about when the total exceeds a specified number of transactions in a single business day. Total of Posted Transactions: Send an eAlert message when the total dollar amount of deposits or withdrawals specified is reached in a single business day. Payment Due: Send an eAlert message at the end of the business day to remind me when my loan payment is coming due. What's New: 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. 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 loan skip a pay within It’sMe24/7. Questions? Call Member Services: Monday - Wednesday 9:00 a.m. to 5:00 p.m. EST and Thursday & Friday 9:00 a.m. - 6:00 p.m. at (410) 687-5240 or (800) 410-0501. What can I do in It's Me 24/7 Online Banking? . Mobile Banking Great News! The new Mobile Banking app for iPhones and Android mobile phones is now available! See download and login instructions below. Our upgraded Mobile Banking Apps offer more user-friendly features and more functionality! You will need to delete the current app (Apple or Android) and download the new mobile app. If you need assistance call the Credit Union at 410-687-5240. Mobile Banking Features: Mobile Banking users may access Internet Bill Pay through the Mobile Banking app. Within the “Popular Features” section, click on “Bill Pay”. Per the bill pay text displayed you may perform common tasks such as paying an existing payee. Click on “Full Featured Bill Pay” to perform tasks such as setting up payees, turning on payment alerts, and viewing PDF of your bills. Mobile Banking supports account messaging to and from the Credit Union You may enroll for Mobile Banking without the need to first enroll in desktop Online Banking. Mobile Banking supports direct payments to your LMFCU Visa credit card. Payments made by 6 pm EST are credited to your credit card account the following day. You may schedule account transfers to other LMFCU deposit and loan accounts within Mobile Banking or call the office to schedule transfers. You have a direct link within Mobile and Online Banking to the eZCard Info website without using your credentials to login. eStatements are available through Mobile Banking. The 12-month statement availability starts building from your day of enrollment. eStatements are in PDF format. View account history View pending purchases View balances Immediate posting of transfers and loan payments Deposit checks to your personal accounts with Mobile Deposit. Checks that pass our automated screening are immediately credit to your account. Compatible with iPhone and Android. Android: Requires version 8.0 and up iPhone: Requires iOS version 16.6 or later. iPad: Requires iPadOS version 16.6 or later. Mac: Requires macOS version 13.5 or later and a Mac with Apple M1 chip or later. Get detailed account information: Within the account view, tap on your account and tap “Account Details”. Your account history will display. To view more account details, click the “More Account Details” button below the Current Balance line. Mobile Banking eAlerts: You can set up many different types of account alerts. On the Mobile Banking home screen, click the “More” menu in the lower right corner. Click “eAlerts Subscription”. Click “Create New eAlert”. Choose the type of alert you would like to set up from the drop-down menu. Click the “Continue” button and follow the prompts. Daily Account Balance: Send an eAlert at the end of each business day with my account balance. Account Thresholds: Send an eAlert message at the end of each business day when my account balance is above or below the threshold. ACH Transactions: Send an eAlert message when an automatic deposit or withdrawal occurs. Number of Posted Transactions: Send an eAlert message about my transaction activity. Choose any deposits or any withdrawals and you will be notified when they exceed a specified number of transactions in a single day. Total of Posted Transactions: Send an eAlert message about my transaction activity. Choose any deposits or any withdrawals and you will be notified when the total exceeds a specified dollar amount in a single business day. Payment Due: Send an eAlert message at the end of each business day to remind me when my loan payment is coming due. You’ll need to delete the old app and download the new Mobile Banking app. Android: Requires version 8.0 and up iPhone: Requires iOS version 16.6 or later. iPad: Requires iPadOS version 16.6 or later. Mac: Requires macOS version 13.5 or later and a Mac with Apple M1 chip or later. Delete the old Mobile Banking app from your phone. Go to the Apple Store or Google Play Store search for LM Federal Credit Union. Download the app. If you already logged into ItsMe24/7 Online Banking, use those credentials to log in. If not go to step 5. Click “First Time User”. Enter your member account number and type in your full Social Security Number. You will then receive a text or email two-factor authentication code to the phone number or email on file for your account. Enter your authentication code and you will be prompted to setup and save your password. Complete the requested security questions. Answers are not case sensitive. Click Save my Questions. 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. Mobile Deposit Our Mobile Deposit service allows you to deposit checks directly into your LMFCU personal checking, savings or money market account using your Android phone or iPhone. You must have enrolled for Mobile Banking by downloading the Mobile Banking app to use Mobile Deposit. Once you log into Mobile Banking, select the “Deposit” option. IMPORTANT: The back of your check must contain the following text: “REMOTE DEPOSIT ONLY AT LMFCU”. Your deposit will be rejected if this text is not present. There are limits and restrictions on the use of Mobile Deposit. Please read the Mobile Deposit frequently asked questions by clicking on the link below. The per check limit and daily check total limits is $5,000.00 per day. If the check amount exceeds a deposit limit, the mobile app will give you a warning that your check exceeds the daily limit, but it will let you submit the deposit. To confirm your deposit limit or to have your Mobile Deposit limit raised, please contact a Member Service Representative. Deposits completed in the mobile app by 3:00 pm EST will be deposited to your account within a few hours once they have been reviewed by LMFCU staff. For example, a mobile deposit completed on Sunday afternoon will be posted to your account on Monday morning. A mobile deposit completed around 1:00 pm on Tuesday afternoon will be posted to your account by the end of the business day. The balance of deposits in excess of $225 made by 3:00 pm ET will be available on the 2nd business day after your deposit. Please note that deposit amounts may be adjusted up to 2 business days after a deposit is made, pending final processing of the check. If a mobile check deposit is rejected by the Credit Union, you will receive an email notifying you of the rejection. To view details as to why the check rejected, log into Mobile Banking, tap on the “deposit” option at the screen bottom, and then tap on “History” at the screen bottom. The “Deposit History” screen will also list past mobile deposits that have been either processed, are awaiting review by the Credit Union, or have been rejected. MOBILE DEPOSIT INFORMATION AND FREQUENTLY ASKED QUESTIONS Instructions on creating your mobile deposit: Endorse the item with your signature and make sure to add "Remote deposit only at LMFCU". Place the item on flat, contrasting background. The background should be dark so the check image is readily discernible from the background. Log into mobile banking and tap the deposit icon at the bottom of the screen. Tap "Deposit Account" at the top of the screen and select the account you wish the deposit to made to from the list of accounts presented. Tap the "Amount" line and key the amount of the item. Tap "Take a picture of the FRONT of the check" button. Center the item in the witness marks on the screen making sure all edges of the item are within those marks. Tap the shutter icon in the grey band toward the bottom of your phone. Tap "Use" or "Retake" as appropriate. You will be prompted to take a picture of the back of the item. Repeat steps 7 and 8 to capture the check back image. Tap submit to complete the deposit. Bill Payment Internet Bill Payment is now available through desktop Online Banking and the Mobile Banking apps. Q: How to avoid a trip to the post office? A: Use Internet Bill Pay! Never Use A Stamp Again: Internet Bill Pay is FREE! No more stamps. No more envelopes. No more bills all over the kitchen table! Internet Bill Pay puts you in control of your finances. It's convenient and easy to setup. To sign up, please complete the Internet Bill Pay Enrollment Form, or you may call or visit the Credit Union office. User friendly system with plenty of online help On-time payment guarantee* Pay a bill Transfer funds to your account at another institution Pay a person See if a payment was sent electronically or by check Verify if a check has been paid and view a copy of the check Funds electronically withdrawn from your LMFCU checking account Initiate one-time or recurring payments. From the Bill Payment dashboard you are able to: PAY in just one click. Find the person or company and enter the payment amount and date. Then select "Pay". VIEW all payees, upcoming bills and payment history. ADD a new payee. Select the "Add a payee" button to add a person or company. MAKE recurring payments. Simply select "Make it recurring" next to your payee. SEE your full bill statement details, including transactions, payment history, credits and more. Select the "Set up eBill" link next to your payee. Supported Browsers Supported browsers include Google Chrome, Microsoft Edge, Safari and Mozilla Firefox. We have been notified that Internet Explorer (IE) is no longer a supported browser for accessing our Internet Bill Payment system. Due to the fact that Internet Explorer no longer receives feature updates and does not support modern web application security, it will not support our bill payment applications. In light of this information, we encourage our members to switch to a supported browser when accessing Online Banking and Internet Bill Pay. If you have any questions about the use of Internet Bill Payment, please contact Internet Bill Payment support at (877) 797-3954. Accessing bill payment through your smart phone. To access the mobile friendly version of Bill Pay using your tablet or smart phone, go to lmfcu.org. Log into Online Banking (you may be asked a challenge question). Once Online Banking is loaded, tap on the "Show Menu" link. Then tap on "Bill Payment". Bill Pay will open in a new browser window. As with desktop access, the Online Banking window will still be active. Internet Bill Pay Now Fully Available Through Mobile Banking Automated bill presentment (eBill) is a feature that retrieves your monthly billing statement from many different payees and imports the billing statement into Internet Bill Pay. Once this feature is setup for each payee, Bill Pay will then send you an alert when your billing statement has been uploaded. You would then access Bill Pay to review your billing statement and then schedule a payment. Interactive Demo BillPay-e Plus Guided Tutorial Demo Site Pay a Bill Pay a Person Transfer Money Set Up Bill Pay Alerts Set Up eBill How to use eBill Have questions about using Bill Pay? Contact a bill payment representative at 877-797-3954. Internet Bill Pay Enrollment Form Internet Bill Pay Frequently Asked Questions Internet Bill Pay Agreement and Disclosure * LM Federal will pay any late fees or interest charges incurred if a payment is not received on-time, assuming that the payment was initiated at least 6 business days prior to the due date. Other restrictions apply. eStatements The PERKS of eStatements With stories of identity theft and fraud becoming more and more common, keeping your financial information safe has become paramount. One way to ensure your financial information remains secure is through eStatements. What are eStatements? eStatements are an electronic version of your account statements that you can access online. Many assume eStatements are sent via email, but that is not the case. Instead, each month you will receive an email from the Credit Union informing you that your eStatement is available. In order to access the eStatement, you will log into the Credit Union’s secure Online or Mobile Banking systems. Within desktop Online Banking click the “Member Services” menu at the top of the screen and select “eStatements”. Within the Mobile Banking app click on the “More” icon in the lower right corner of the home screen and select “eStatements”. Eliminates Mail Fraud A big worry that you can get rid of is the threat of mail fraud. It only takes one paper statement to be misdirected or delivered to the wrong address to increase the chances of identity theft. With eStatements, the possibility of mail fraud is completely eliminated as everything is stored securely online with your financial institution. Helps the Environment Imagine if everyone in your city received paper statements from their financial institution. With the growing population, this could have a detrimental effect on the environment. The sheer amount of paper waste would be enormous. By using eStatements, you are eliminating the use of paper which helps to preserve trees and the environment. Viewable Anytime An eStatement can be viewed on your terms. You don't have to log into Online Banking the moment you receive the email announcing your statement is ready. Instead, access your statement when it’s convenient for you – it will be available 24/7. In addition, you can view past statements to compare your financial habits and spending. And never worry about searching your house for old statements because you can download them to your computer or print them out whenever you require. Secure Platforms Investing in the latest security measures to keep your information secure is top priority for financial institutions. Their security measures are some of the highest in the world and are constantly evolving to address new hacker tricks that may appear. Advanced verification methods are utilized to ensure that only the authorized user can access the financial information, substantially reducing the risk of your eStatement falling into the wrong hands. We’re Here to Help! If you are looking for a way to view your statements that is more convenient, secure and environmentally-friendly, consider receiving eStatements.