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Online & Mobile Banking

Online Banking

Enrolling is easy! Click the button below and follow the enrollment instructions. Your access is immediately activated! Any member may use Online Banking (no checking account required!) 

Enroll in Online Banking

Online Banking - Features

  • Must create a user name and password
  • Transfer funds between different account numbers
  • Easy self-service option to reset your user name and password
  • eStatements are available upon enrollment. Ask a Member Service Representative for details.
  • Account transfers are posted IMMEDIATELY!
  • Account balances are always up-to-the-minute!
  • Download to Quicken or CSV format.
  • Pending check card transactions are listed in account history
  • Internet Bill Payment is free, click for details.

What's New:

  • Make a payment to your LMFCU credit card
  • Improved messaging system
  • Assign custom names to your various accounts
  • Have a LMFCU Visa Platinum credit card? Access to the eZCard website is made by clicking on the following link and establishing credentials to access eZCard. 
    COMING SOON: You will be able to access the eZCard website through a link within NEW Online and Mobile Banking.
  • Improved system reliability


Questions? Call Member Services 9:00 a.m. to 5:00 p.m. EST Monday thru Friday at (410) 687-5240 or (800) 410-0501.

Mobile Banking

Access to the Apple Mobile App is now available.

The Android Mobile Banking app may be accessed by clicking on this link and downloading the app to your smartphone.

- ENROLLMENT IN THE NEW ONLINE & MOBILE BANKING SYSTEMS: You must re-enroll for access in the new Online & Mobile Banking systems. YOUR OLD LOGON ID AND SECURITY CODES HAVE NOT BEEN SETUP IN THE NEW SYSTEM.  Click on the new Online Banking enrollment link at the top right of the lmfcu.org home page to access Online Banking. See below for instructions that will guide you through the enrollment process for Mobile Banking.

IMPORTANT REMINDER: You must have your current email address on file with the Credit Union for the Online & Mobile Banking auto-enrollment to work properly. Call the office if you need to update your email address.

  • View account history
  • View pending purchases
  • View balances
  • Immediate posting of transfers and loan payments
  • Deposit checks to your personal accounts with Mobile Deposit. Now with live availability.
  • Compatible with iPhone and Android. 

Instructions to enroll in Online Banking or to download and activate the Mobile Banking app: 

  • Go to your app store and search for the "LMFCU" or "LM Federal Credit Union" app. 
  • Download and install the app. An activation code is not required.
  • Enroll directly or use Online Banking credentials
  • If your phone supports fingerprint and face recognition access, you may use these instead of your regular logon credentials. 

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.

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 is $2,500.00 and the daily limit is $5,000.00. If the check amount exceeds a deposit limit, the mobile app will not accept the deposit. To confirm your deposit limit or to have your Mobile Deposit limit raised, please contact a Member Service Representative.


Simply locate the check on the mobile device screen, follow onscreen guides, and the picture is automatically taken when the perfect image is detected. A real-time image validation process verifies the size of the check and the brightness, angle and sharpness of the image to ensure a clean capture the first time, every time.

Enhanced Mobile Deposit Features:

  • Initial guide images – Offers visible context on lining up the document for optimal mobile capture
  • Auto-capture technology – Snaps the image automatically from video when the image is acceptable and in-focus
  • Automatic lighting – Camera flash automatically activates when a low light condition is detected
  • Automatic orientation – Adjusts automatically to landscape orientation selected by the user
  • Smart feedback – Provides instant tips via message bubbles
  • Built-in device detection – Optimal image capture regardless of mobile device type

Bill Payment

New Feature:
New Mobile Banking will include a link to the mobile version of Internet Bill Payment.

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.

  • Free service if you process at least 2 payments monthly
  • 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
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. Supported browsers include Google Chrome, Microsoft Edge, Safari and Mozilla Firefox.

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.

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.

How to use eBill

Have questions about using Bill Pay?

Contact a bill payment representative at 877-797-3954.

* 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.


  • Forget about the inconvenience of lost or delayed statements due to mail problems.
  • Go green by avoiding the need for a paper statement.
  • Get your statement faster. eStatements are typically available by the 3rd business day of the month.
  • eStatements are free! Once you enroll, the last 12 months of statements are available through desktop Online Banking. The 12 month statement availability starts building from your day of enrollment.  eStatements are in PDF format.
  • Signing up is easy! Within desktop Online Banking, select the "Profile & Settings" option, click on "eStatements" and follow the prompts.

Questions? Contact a Member Service Representative at (800) 410-0501.