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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: 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. 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.

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 or at the drive thru teller lane. Up to $6,000 available in cash per day, or by check up to the available balance. You may also cash a check.
    - At the Credit Union drive up ATM which is available 24 hours a day. Daily limit is typically $500.
  • By Telephone: A withdrawal check is mailed to your home. FedEx delivery is also available.
  • With Your ATM or VISA Check Card at any Co-op, Star or Cirrus ATM
    Find a no-surcharge CO-OP ATM by either using our online locator or our no-surcharge mobile app locator.
  • With Your Smartphone and Apple Pay, Google Wallet or Samsung Pay
  • 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).
  • By Electronic Transfer with our NEW A2A transfer system. 
    Our MoneyMover Service has been replaced with a new A2A (account 2 account) transfer service. 
    A2A is a service that electronically transfers funds from your LMFCU share account to your checking account at any financial institution in the United States. You may also use A2A to pay your LMFCU loan by ACH transfer from your local financial institution. To apply, sign into Online Banking and complete the A2A application. It takes approximately one week to activate A2A for your account. You may also get an A2A application at lmfcu.org or by contacting a member service representative.

How Do I Request A MoneyMover Transfer? We recommend that A2A transfers be initiated through Online or Mmobile Banking. If you don't use Online Banking contact our office. Provide us with the Credit Union account number and the owner's Social Security number, as usual. Let us know the transaction details.  Requests received by 3:00 PM will be processed that day.

How Are The Funds Transferred? A2A transfers are made by ACH (Automated Clearing House) credit, the same method by which direct deposit of payroll is handled. ACH transfers are a safe, fast and reliable method of moving funds. Should you wish, you may still request that a withdrawal check be mailed to your home.

Are There Any Limitations Or Fees? You may make up to 3 A2A transfers per month at no charge. The daily limit for A2A transfer withdrawal requests is $5,000.  The loan payment transfer daily limit is $1.500. There is a $5 fee for each transfer made after the third per month or if the transfer amount is less than $100. Confirmation of the transfer will be included on your regular Credit Union statement of account; no other confirmation notice will be sent to you.

Other Important Information: You may designate multiple accounts for A2A transfers.

Mailing address: LM Federal Credit Union, 101 Chesapeake Park Plaza, Baltimore, MD 21220