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Telephone Banking

Telephone Banking

Telephone Banking is a voice response system that allows you to communicate with the Credit Union via the sounds from a touch-tone telephone 24 hours a day, 7 days a week.  In a few easy steps you can access your LM Federal Credit Union accounts whether you’re at home, work, or away on travel.  You may check on account history and information, get deposit and loan balances, perform transfers and loan payments, request check withdrawals, and get year to date tax information. There is no fee charged for the use of Telephone Banking.

Getting Started
To use Telephone Banking simply call the Credit Union’s regular telephone number and select option #1. The only information you need is your Credit Union account number and the last four digits of the social security number of the primary owner. Select your language preference. Create your PIN number. Your PIN may be different from your ATM card PIN. One PIN must be shared by all account owners for the same account number.

Telephone Banking Features:

  • You must enroll the first time you call, your PIN is not the same for Online Banking
  • Immediate posting of account transactions
  • Account history is always current
  • Support for Spanish members
  • Options for detailed account information
  • There are no fees for the use of the new Telephone Banking system.
  • The MoneyMover option is not supported, call a Member Service Representative for this request.

Transferring to a Different Account Number
If you wish to transfer funds between different account numbers with Telephone Banking, please contact the Credit Union. A transfer form will be completed designating the accounts that you wish to transfer funds to and from. Listen to the system instructions on how to proceed.

Restricting Account Access
If you wish to have Telephone Banking access blocked for your LM Federal Credit Union accounts, please contact a Member Service Representative.

When Transactions are Posted
All Telephone Banking transactions are immediately posted to your accounts. Telephone Banking account transaction history is always up to date. Your account statement will reflect any transactions made through Telephone Banking.

Telephone Banking Menus

Transaction Menu Codes
10 - Share to Share Draft
10 - Share Draft to Share
11 - Share to Loan
11 - Share Draft to Loan
17 - Check Withdrawal

Balance Inquiry Codes
30 - Share Draft Checking
31 - Share Savings
32 - Loans
33 - Certificates
34 - IRA

Draft Account Inquiry Codes
40 - Last 5 Checks Cleared
41 - Last Checking Deposit
42 - Drafts Cleared by Check Number

Account History Inquiry Codes
50 - Last 5 Share Draft Deposits
51 - Last 5 Share Deposits
52 - Last 5 Share Savings Withdrawals
53 - Last 5 ATM Transactions
54 - Last ACH Deposit
55 - Last ACH Withdrawal
56 - Last Payroll Deposit

Dividends & Interest Inquiry Codes
60 - Year-to-Date Dividends
61 - Year-to-Date Interest Paid
62 - Prior Year-to-Date Dividends
64 - Last Dividend Amount

Service Hour Codes
70 - Lobby and Loan Hours
71 -  Drive-up Hours
72 - Voice Response Hours

Helpful Navigation Tips

To navigate the system, remember the following items:

  • You will need to know the “share type” of the account you are inquireing about or transacting on, a Member Service Representative can provide that information for you.
  • Use the Pound key (#) to indicate the completion of an entry, except for Personal Identification Number (PIN) and menu code entries. For example, to enter member number 2435, press 2435#. To enter PIN 7788, press 7788 - no #. When entering menu codes, press only the code - no #.
  • When you enter dollar amounts, enter both dollars and cents. The system will automatically insert the decimal point before the last two digits. To enter $100.00, press 10000#.
  • You may "key ahead" any time during the telephone session by entering the next menu number without waiting for the voice prompt from the system.
  • Press ## to repeat the current menu.
  • Press 99 to return to the main menu.

Please contact a Member Service Representative if you have any questions.

TElephone Banking Menu Navigation Information




Member Contact Center

Member Service Telephone Hours: Toll Free 800-410-0501
Monday - Wednesday: 9:00 a.m. to 5:00 p.m. EST 
Thursday & Friday: 9:00 a.m. to 6:00 p.m. EST

Lobby Hours: 
Monday - Wednesday: 9:00 a.m. to 5:00 p.m. EST
Thursday & Friday: 9:00 a.m. to 6:00 p.m. EST

We are closed on Saturdays, Sundays and all Federal holidays.

The office typically closes early on Christmas Eve and New Year’s Eve.

Report Lost or Stolen ATM or VISA Check Card

  • During Regular Business Hours: (410) 687-5240 or (800) 410-0501
  • Nights, Weekends & Holidays: (888) 241-2510
  • Outside of the United States call collect: (909) 941-1398