What is LHCU's Routing Number?
Our routing/transit number is 272484551.
Are my funds federally insured?
Yes. Your deposits are insured to at least $250,000 by the National Credit Union Administration (NCUA), an agency of the federal government.
My Debit Card or Credit Card was lost or stolen - what should I do?
Lost/Stolen Mastercard® Debit Card: 800.442.4757
Lost/Stolen Visa® Credit Card: 800.VISA.911
For unauthorized use of a MasterCard® debit card, you will have the following liability: a) $0 liability if you report the loss or theft of you card to us within 24 hours of discovery of the loss or theft, if you have exercised reasonable care in safeguarding the card from risk of loss or theft, if you have not reported 2 or more incidents of unauthorized use in the immediately preceding 12-month period, and if the account linked to the card is in good standing, or b) if the conditions set forth above have not been met, the lesser of $50 or the amount of money, property, labor or services obtained by the unauthorized use before notification to us. "Unauthorized Use" means the use of the MasterCard® by a person other than you, who does not have actual, implied, or apparent authority for such use, and from which you receive no benefit.
If you report suspicious charges within 60 days, credit cards are obligated to investigate and restore the funds for fraudulent charges.
How do I change my address?
You can change your address in It's Me 24/7 Online Banking, by contacting our Call Center at 989.752.5214, or in person at either branch location.
How do I sign up for direct deposit?
If your employer offers direct deposit, simply give the payroll department LHCU's routing number - 272484551 - and the account number you want the funds deposited into.
What is Regulation D?
Regulation D is a federal regulation that limits the number of electronic transfers or checks from money market and savings accounts. Under Regulation D, a maximum of six transfers per month from a savings or a money market are allowed. These transactions include phone requests, Overdraft, Online Banking, email requests and faxed requests. There are no limitations on ATM, in-branch or shared-branch transactions. Please Note: This is a regulation mandated by the federal government. This is not a Credit Union policy.
How do I stop payment on a check?
You can stop payment on a check within It's Me 24/7 Online Banking, in person at either branch, or over the phone through our call center at 989.752.5214. There is a fee for this service.
Why is my available balance different than my actual balance?
Your available balance represents the money that is available for withdrawal, minus any hold, pending transactions/uncollected funds, and restrictions against the account. If you have any questions or concerns about your account, please call us at 989.752.5214.
What is my daily withdrawal limit from the ATM?
The daily cash limit is $250.
How is a credit union different than a bank?
Credit unions are not-for-profit financial cooperatives and are among the most stable institutions in America. They exist to serve the needs of their members (who are also owners) and offer the same types of banking products and services you would find at other financial institutions, including savings and checking accounts, loans, mortgages, Internet home banking and bill payment, and more. Credit unions are member-owned and controlled through a board of directors elected by the membership. The board serves on a volunteer basis and may hire a management team to run the credit union. The board also establishes and revises policy, sets dividend and loan rates, and directs certain operations. The result: members are provided with a safe, convenient place to save and borrow at reasonable rates at an institution which exists to benefit them, not to make a profit.
How do I sign up for online banking?
The first time you login to online banking, you will use your account number as your username, and the last four digits of your Social Security Number as your temporary password. You will be prompted to change both to finish logging in. Your temporary password will expire, so if it doesn't work, please call us at 989-752-5214 and we will reset it for you. You now have access to all of our online banking features, such as online bill pay, account history, eStatements and more!
Does the credit union put a hold on checks?
LHCU will occasionally put a hold on checks. There are many variables involved with this decision. If you have any questions about a check, please bring it in to either branch office and speak with a Member Service Representative.