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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.
  • Payroll Deduction from any organization that offers it. Check with your payroll department.
  • Direct Deposit of payroll, pension, Social Security or any other recurring payment.
  • 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! Credit Union members with a checking account may access the Co-op ATM network's shared deposit program. Through Shared Deposits, you may deposit checks and cash at the ATM's of other financial institutions participating in the program if you have an LM Federal ATM or VISA Check Card. Funds are available in your Credit Union account 3 business days after the date of deposit. For a list of participating ATM's, visit the ATM locator.

Withdrawing Funds

  • At the Office: In person, the drive thru and the ATM. Up to $4,000 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.
  • By Writing a Check, if you have a LM Federal Checking Account.
  • With Your ATM or VISA Check Card at any Co-op, Star or Cirrus ATM
  • 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!