Account Numbers/Member Numbers:
You can find your Member Number and 4-digit suffix in online banking and/or our mobile app by unmasking the number. If you click your Account, then Show details, you will find an eyeball icon next to your Account number– if you click the eyeball, your full account number will appear. You can also locate your previous checking account number by using the same steps as finding your Member Number but looking at the MICR account number field.
Updated Contact Information
It is very important to update your contact information, this includes: address, phone number, and email. Please log in to mobile or online banking, visit a branch or call our Member Service Center, 800-649-4646 to update your information.
Statements
We’ve listened to your suggestions and are making a change to our statement cycles. Effective September 1, 2022, your account statement will cover the first of the month through the end of the month. Any interest you may have earned will also be posted at the end of the month. If you have an Incredible Interest Checking, Remarkable Rewards Checking or Incredible Interest Savings and noticed a dividend credit on 7/31, this was a result of us transitioning to a month end cycle and is not your full dividend amount. For those members with rewards accounts, Incredible Interest Checking, Incredible Interest Savings or Remarkable Rewards, you will be automatically qualified for any associated rewards including higher interest rates from 8/8/2022 to 8/31/2022. Going forward, the rewards qualification cycle will be the first of the month till the end of the month to coordinate with the statement cycle.
The following products will be changed from Quarterly to Monthly statements: Basic Savings, Daily IRA, Holiday Club, Membership Savings, Premium Savings, Sterling Set Statement, Vacation Club, Incredible Interest Savings. Our CD/IRA statements will be changed to annually. If you would like to receive the CD/IRA statement monthly, we can accommodate this request.
Loan Notices
If you had a coupon book before our System Enhancement, you will now receive a loan notice. Notices will be sent out 15 days prior to the due date.
Pay My Loan Service
If you had scheduled/recurring Pay My Loan payment set up on our previous system, please make sure to reestablish them on our new system.
Loan Payments
All scheduled loan payments from your LCU account will now take place at the end of the day.
SavvyMoney®
The credit score and report provided by SavvyMoney® are for educational purposes, and they are intended to help you understand the factors that affect your credit score and to demonstrate ways you may be able to save money with LCU products. The credit score displayed in SavvyMoney® may reflect a different credit score than the one LCU pulls for loan eligibility. The credit offers shown by SavvyMoney® are for informational purposes, are based upon your credit score, and provide examples of the types of credit rates and savings you could receive if you apply for a loan with LCU. These offers are not pre-approvals, are not an offer to lend to you, and you must still apply with LCU. A credit report will be pulled at the time of application with LCU, and all applications are subject to LCU credit review and approval. Your loan terms and rates will be determined at the time you apply for credit. Terms and conditions and offers are subject to change at any time.
Member Service Center
Our Member Service Center is experiencing higher than normal call volume. We ask that you use our call back feature, and a Member Service Representative will call you back, so you do not have to wait on hold. You can also contact us via our chat feature from 9am-4pm or secure messages through online banking.
Fraud Awareness
As always, please be alert and never give out your personal information unless you know it is a trusted and verified source and never share your online/mobile banking credentials, including your password. If you feel you may have been a victim of fraud, don’t hesitate to reach out to Leominster Credit Union directly, 800-649-4646.
Remarkable Rewards
As a reminder: All points issued through the LCU Rewards program still will be valid through the expiration date printed on the applicable certificate and may be redeemed at www.LCURewards.com. This website will only remain operational through August 31, 2022.
Non-Sufficient Funds (NSF) Fees
We all make mistakes. Sometimes a mistake results in an overdraft on your account. The good news is that you can protect yourself against overdrafts and the fees charged when they happen. At LCU, you have options on how you’d like your account to work in an overdraft situation to help avoid fees:
- Track Your Balance: Know your balance before you spend. Sign into online banking or our mobile banking app (download from the Apple App Store or Google Play Store) to check your account activity. You can also check your balance by visiting an ATM, by calling our Member Service Center, 800-649-4646 or by using MEL our Member Express Line. Remember to consider any outstanding checks or scheduled payments. In addition, with our system enhancements we now post transactions as they occur rather than at the end of the day.
- Overdraft Sweep: An automatic sweep can prevent potential overdrafts. Link one checking account to another LCU account. Money will “sweep” (transfer) from the linked account when the checking account becomes overdrawn. The sweep will automatically cover potential overdrafts. There are no fees for using the sweep. To set up a sweep, visit any one of our branches, call our Member Service Center, 800-649-4646, or you can set up through our online and mobile channels.
- For More Information on Overdraft Protection Options: Stop by a branch, call our Member Service Center, or visit https://leominstercu.com/loans/overdraft-protection/.
Q. Can I open an account online?
A. Yes, our online account opening feature is now available on our website!
Q. Can I set up alerts via online banking or the mobile app?
A. Currently the alerts are not being delivered real-time, and we are working with our vendor to fix the issue. We except to have this issue corrected soon.
Q. How can I sign up for estatements/paperless statements?
A. If you are not yet subscribed to estatements, you can do so via online banking, under Accounts, eDocuments, then Settings. If you are already subscribed to estatements you will receive them going forward but we ask that you please verify via online banking that you are subscribed.
Please check back as we will continue to update our Frequently Asked Questions (FAQ’s).
