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Account Monitoring

Account Alerts

Setup account alerts

Within Online Banking you can setup text and email alerts. Many options for account alerts are available within Online Banking (access thru desktop Online Banking "Profile & Settings").

Available Account Alert Options:

  • Low balance alert
  • High balance alert
  • Direct deposit over $XX.XX has posted
  • Deposit over $XX.XX has posted
  • Card transaction greater than $XX.XX has posted
  • Check/draft greater than $XX.XX has cleared
  • Withdrawal exceeds $XX.XX
  • Insufficient funds caused overdraft protection transfer

VISA Check Card Fraud Monitoring System

VISA Check Card Fraud Monitoring System comes standard with all VISA check cards. Our fraud monitoring system is actively reviewing every card transaction to help detect and prevent fraudulent transactions. The notification portion of the system includes a state-of-the-art automated telephone assistant to help our members review transactions and confirm recent ATM card and VISA Check Card spending activity.

Your phone caller ID will show the call originating from either CU Security or 855-959-1178. Your caller ID will show "CARDMEMBERSEC".The system will begin the call by stating - Hello, this is Card Member Security on behalf of LM Federal Credit Union.

If you receive a notification call, please respond to answer questions regarding recent card activity. Please also be aware that our Card Member Security team that provides fraud alert management is available 24 hours per day, 7 days per week by telephone should you need assistance from a live agent.

If suspicious transactions are identified as fraudulent, calls will be transferred to Card Member Security Team to help you take the necessary precautions to protect your cards and related accounts. If the recent card activity is legitimate, members will be able to close the case with the phone attendant using their touch-tone phone.

If you have any questions please contact the Credit Union at 800-410-0501.

CardNav Card and Fraud Control Smart Phone App

Protect your cards with real-time control. Learn More link.

Have a VISA Check Card? Use a smart phone?

Protect against card fraud and misuse - in real-time - via your smart phone.

  • Turn your card on and off
  • Limit use to merchant types
  • Set card spending limits
  • Set GPS location restrictions
  • Receive real-time card-use notifications and spending-limit alerts

CardNav Controls Chart

How to download and install CardNav

  • CardNav is available for both iPhones and Android mobile devices.
  • iPhone users can find the CardNav app in the Apple App Store on their iPhone. Android users can find it in the Google Play Store.
  • After the installation of CardNav follow the prompts to finish the app installation.
  • Requirements: The application works with Android devices, versions 8, 9, and 10 and higher and Apple (iOS) devices with iOS operating system version 11, 12, and 13.

Detailed User Guide


VISA Purchase Alerts

Have a VISA Check Card? Don't have a smart phone?

Have a VISA check card? With VISA Purchase Alerts you can get an immediate email notification when a VISA purchase transaction is performed with your card. Purchase alerts help you to closely monitor your card activity and to act quickly if a fraudulent transaction occurs. Alert options include:

  • Transaction exceeds a specified amount
  • Card used outside of the United States
  • Online or telephone purchase is made

VISA Purchase Alerts logo

The VISA Purchase Alerts system is real-time and is more useful compared to the card transaction alerts generated within Online Banking.

Enroll in VISA Purchase Alerts

Attention Smart Phone Users: Our new CardNav smart phone app is now available!