Member Service Center

What You Need to Know

As a member of Leominster Credit Union, we want you to know how important you are. This System Enhancement is to bring upgraded efficiencies for our members and a better banking experience.  We would like to Thank You for your patience and understanding as we bring you the enhanced technology you have been asking for.


Q. Why is this enhancement taking place?
A. This enhancement will bring state-of-the-art technology and upgraded efficiencies to provide an improved banking experience.

Q. When is the enhancement taking place?
A. Our System Enhancement will take place beginning at 5:00 pm Friday, June 3rd through Tuesday Morning, June 7th.   Please see our System Enhancement Notice for current updates to the weekend schedule.

Q. Will Leominster Credit Union be closed during the enhancement?
A. Yes. All branches and our Member Service Center (MSC) will be closed Saturday, June 5th and re-open Tuesday, June 7th. Please see Important Date Schedule for more details.

Q. Will my account number change?
A. Yes. Beginning on June 7th we will be introducing member numbers.  However, this will not impact any existing transfers, payments, or direct deposits.  All members will receive their own 10-digit LCU member number followed by a unique 4-digit account or loan number. Each of your current accounts and loans will have its own unique 4-digit number which will help better manage multiple account types.  All your accounts will be located under your Member Number, providing a complete view of your finances and making the location of accounts easier.

Q. Do I need to order new checks or change any reoccurring debits/credits?
A. No. You do not need to re-order checks. You will not need to change any direct deposits or recurring debits / credits (unless initiated through our external transfer services, see page 2 under Digital Services). These transactions will still be processed just as they were prior to our system enhancements.

Q. Will there be any changes to my statement?
A. Yes. You will notice your statement has a new look and feel, which will make it easier to read.  Your monthly statements will include all deposit accounts, now providing your account relationship in one convenient package.  Check images will no longer be included with paper statements, images will be available via online banking or by request.  Visit our website for additional information.

Q:  Will I be able to make a transfer at the ATM machine?
A:  Yes. As long as both of your accounts are attached to your card.  Please note: the ATMs could experience intermittent disruptions which could result in the transfer option not available at that time.


Q. Will the features of my account change?
A. No. Your accounts will function the same tomorrow as they do today. If you have a reward checking account, currently either Remarkable Rewards or Incredible Interest Checking your qualification cycles will be as follows:

    • May: 4/21/2022 to 5/19/2022
    • June: 5/20/2022 to 6/3/2022 – Please note, due to the shortening of this qualification cycle, all rewards accounts will automatically qualify for their associated
      rewards (i.e. higher interest rate, ATM refunds, etc.).
    • The dates for the July thru December cycles will be available on our website post enhancement.

Q: Will my 2nd day interest on my rewards account sweep as normal to my savings?
A:  No.  It will remain in the checking account.  All interest will be posted on deposit accounts Checking, Savings, CD/IRA’s and this will be reflected on member statements as of 6/3.

Q. Will there be changes to my Rewards Interest?
A. Due to our change in cycle dates moving to the 7thof each month beginning in June, if you did not qualify for rewards in previous months, you will notice your online banking history does not match your statement. Rewards interest was credited at the beginning of the month and showed as a part of the balance for the entire cycle, once the account did not meet qualifications the rewards were deducted. Moving forward all reward interest credits will not post unless the account qualifications are met.



Q. Will my loan number change?
A. Yes. Beginning on June 7, we will be introducing member numbers. All members will receive their own 10-digit LCU member number. Each of your loan accounts will have its own unique 4-digit loan number which will help better manage account types. The loan number will now appear on your account statement.

Q. Will there be any changes to my loan billing statement?
A. Yes. You will notice your statement has a new look and feel which will make it easier to read. If you mail your payment with a coupon, the payment
process can now be streamlined by paying online. Payments can also be made by mail with the information on your account statement.

Q. Will my payment due date change?
A. No. If you have a loan with us, due dates for payments and escrowed items remain the same. Beginning in June, you will no longer need to use your coupon book to make your loan payments. We will send you a bill each month which you will send back to us with your payment. Please continue to send your loan payments to: Leominster Credit Union, Loan Servicing Department, 20 Adams Street, Leominster, MA 01453.


Q. Will my Online login and password change?
A. If you are already set up with online banking, you will use your current username and password to login for the first time. Once your identification is verified, you will be prompted to change your password at this time. A new mobile app will be available June 7 for download at GooglePlay and The Apple Store. iPhone users will only need to update the app. Android users will need to reinstall the app from the app store by searching for Leominster Credit Union and looking for our icon featured here:

Q. Will payments scheduled through Bill Pay be processed during this time?
A. Our Bill Pay service which enables you to make payments to third-parties, such as utility and cable companies, will be unavailable as of 6:00 pm on June 2. This service will be available to you again beginning on June 8. Please be aware that any payments scheduled prior to June 2 will still be sent as scheduled.

Q. Will the Pay My Loan service change?
A. Yes. If you use our “Pay My Loan” service, any payments which you have set up will need to be set up again after June 7. Please be aware that, at this time, recurring debit card payments cannot be set up. Therefore, you will need to make each payment individually prior to the payment due date. Recurring payments can be set up with a checking/savings account and routing number.

Q. Will there be changes to Mobile Deposit service?
A. Beginning on June 7, our limits for checks which are deposited via our mobile application will be $3,000.00 per check and $5,000.00 per day. Some exceptions may apply.

Q. What changes will take place for Secure Alerts?
A. An Alert Service will be available with the new platform, providing free real time alerts to our members. Existing alerts will not transfer over with the system enhancement and will need to be set up again after June 7.

Q. What changes will take place for Card Valet?
A. The Card Valet service will not be available Thursday, June 2 thru Tuesday, June 7. On Tuesday, June 7, Card Valet will be available; however, you will want to verify that all of your alerts and controls are in place.

Q. Will there be changes to the P2P (Person to Person) Popmoney® payment service?
A. Yes. Our Popmoney® service, which allows you to make person-to-person payments, will no longer be available as of June 2. Please look for future communications regarding a replacement for this service.

Q. Will the process for the Internal Transfer Service and Recurring Transfers change?
A. Yes. Beginning on June 7, internal transfers, which are recurring transfers you have set up between your accounts at Leominster Credit Union, will now be “view only.” This means that you will not be able to cancel or edit these transfers without calling us. If you would like to edit or cancel an internal transfer, please call us at 800-649-4646, and we would be happy to assist you. Please note, any internal transfers set up on or after June 7 will be able to be edited or canceled by you via our online/mobile banking system.

Q. Will the External Transfer Service be unavailable during the upgrade?
A. Yes. Temporarily beginning on May 31 at 8:00 am, our external transfer service which allows you to set up transfers between your account at Leominster Credit Union and another financial institution, will not be available. This service will be available to you again beginning on Tuesday, June 7. Any recurring transfers previously scheduled should be verified and may need to be reestablished.

Important Information To Keep In Mind
During the enhancement process we will be closed for business Friday, June 3, 2022 at 5:00 pm thru Monday, June 6, 2022. We will resume normal business hours Tuesday, June 7, 2022. Please remember your funds are always secure. You will be able to use your debit card(s) and credit card(s) during our System Enhancement weekend. Please note: debit card and ATM transaction thresholds will be lowered, and you may experience intermittent denials after 3:00 pm on Friday, June 3 through Monday, June 6. To avoid any purchasing inconvenience during this timeframe, we suggest withdrawing cash before 5:00 pm on Friday, June 3. Third-party transactions such as Paypal® that are connected to your debit card may be denied due to these disruptions.