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Depositing & Withdrawing Funds

Making Deposits

  • At the Office: In person at our Baltimore office at our ATM, through our drive thru or the night deposit box.
  • Mobile Deposit: Deposit a check using the Mobile Banking app and your smart phone. See below for details.
  • Payroll Deduction from any organization that offers it. Check with your payroll department. Our routing and transit number is 252076390.
  • Direct Deposit of payroll, pension, Social Security or any other recurring payment. Our routing and transit number is 252076390.
  • By Mail: Give us a call for a supply of deposit slips and mailing envelopes.
  • At a Foreign ATM: Make Deposits at the ATM with Co-op's Shared Deposit Program! Members with a checking account may access the Co-op ATM network's shared deposit program. Through Shared Deposits, you may deposit checks and at some ATMs deposit cash at the ATM's of other financial institutions participating in the program if you have an LM Federal ATM or VISA Check Card. For a list of participating ATM's, visit the ATM locator.
  • By Wire Transfer: You may wire funds to a deposit account or to payoff a loan. Fees may apply. Click here for additional information.

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 NEW 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.

Mobile Deposit Information and Frequently Asked Questions

Withdrawing Funds

  • At the Office: In person, the drive thru and the ATM. Up to $5,000 available in cash per day, or by check up to the available balance at the drive thru and in person only.
  • By Telephone: A withdrawal check is mailed to your home the same day. FedEx delivery is also available.
  • With Your ATM or VISA Check Card at any Co-op, Star or Cirrus ATM
  • With Your Smartphone and Apple Pay, Google Pay or Samsung Pay
  • By Electronic Transfer with our MoneyMover transfer system. Funds are electronically transferred to your local Checking Account the morning of the second business day after the transfer. Apply for our MoneyMover Service!
  • Using Internet Bill Pay: to electronically transfer funds to an account elsewhere. You may transfer funds into an account in your name or an account in another person's name elsewhere or to pay any type of bill.
  • By Writing a Check, if you have a LM Federal Checking Account.
  • Wire Transfer: You may request a wire-out transfer in person or by telephone (limits apply).