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We've compiled answers to help you with some of the common questions asked by Members. You can view these questions by category below. If you are unable to find an answer to your question, please feel free to contact us and we will be glad to assist you. 

Questions by Topic: 


Account Numbers

What's a Member number?

Your Member number is your savings account number. The reason it is also called a Member number is because your savings account (or share account) establishes your membership with LSCU, and must remain open while you're a Member. 

Checking Account Number vs. Member Number

Your Member number is used when enrolling in services such as online banking, the online payment center, bill-pay, and automated phone banking. It is also your main savings account number. 

Your checking account number is used for sending or receiving money through direct deposit, wire transfers, and bill-payments or for making payments online or by phone. 

How do I find my account number?

There are a few ways to find your account number:

  • your savings account number, or Member number, can be found on your eStatements in online banking
  • your checking account number can found on the bottom of your checks after the routing number (311079869)

You can also contact our Member Service Center or stop by any branch location to verify your Member number, checking account number, or loan number. 


How do I order checks?

You can easily order checks whenever you need them by going to Harland Clarke's website. When your place an order, you'll have the option to chose your preferred style and any other needed products like checkbook registers. You can also order customized checking deposit slips if desired.

Debit Cards

My debit card expires at the end of this month, when will I receive my new one?

Debit cards are reissued at the beginning of the month that the current card expires. You should receive your card around the middle of the month.

I forgot my PIN number, how do I change it?

You can change your PIN number by calling 1.866.985.2273 anytime.

Why is there a spending limit on my debit card?

Spending limits are a tool used to reduce potential loss from fraud activity. Should your card be lost, stolen, or card information   compromised, the spending limit puts a "maximum" on the amount of funds criminals could use in one day. If you need to make a large purchase using your debit card, just let us know prior to using your card and we may be able to temporarily raise the limit.

If I am traveling do I need to place a note on my debit card?

Yes, if you are traveling out of the United States. For travel to another city or state, you do not need to call ahead.

I want to make a purchase out of the country, do I need to notify the credit union?

Yes. Whether you are traveling abroad or making an international purchase online, please call our Member Service Center before using your card to make the transaction. This helps us continue our fraud prevention efforts, and allows us to verify that your card has not been compromised.

Digital Wallets

How do I add my LSCU Debit and/or Credit Card to my Digital Wallet?

Each Digital Wallet provider have different setup requirements. Please refer to the setup instructions from your selected provider.

Is there a charge for using a Digital Wallet?

There is no charge for using a Digital Wallet. A Digital Wallet does require your mobile device to be on an active data plan. Depending on your mobile provider, additional charges and fees may apply. Your LSCU Debit/Credit card terms and conditions as well as account agreement will apply for purchases.

Where can I use my Digital Wallet?

Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, & Garmin Pay are for use in participating stores and mobile applications. Look for a Digital Wallet provider icon at the merchant checkout.

What devices support Digital Wallets?

Digital Wallets are supported by most Apple, Android, Samsung and other smart phones. Please check to see if your mobile device is compatible.

What happens if I lose my mobile device?

For Apple devices, you can use the “Find my iPhone” app to locate it, remotely lock it, or erase all the data on it. For Android devices, you can use the “Find my Device” app to remotely lock the phone. Information on an Android device can also be secured by logging into your Google account in the security section “your devices” and managing your devices.

Does my mobile device store my Debit and/or Credit card number?

When you add a Debit and/or Credit card, the number on your cards is replaced with a secure device number referred to as a token. That token is used to submit the payment to the merchant rather than your actual card number(s).

Credit Cards

How do I access my LSCU Visa card account?

Credit card account information is accessible through the LSCU Online Branch. Users can view their card balances, available credit amount, and recent transaction history. To enroll in online banking, just give our Member Service Center a call and they will be happy to assist you.

Do I have to enroll in online banking to access my Visa credit card account?

No, you can access your account through the online Visa Credit Card website. Enrolling in the Online Branch simply allows you to view your credit card information with your other LSCU accounts and eliminates the need for multiple logins.

How do I make a payment on my Visa card from my LSCU Checking?

First, you'll need to log in to your Online Branch. Next, you'll make a transfer from your LSCU Checking to your LSCU Visa. Once the transfer has been submitted your payment is complete.

IMPORTANT: Making a payment to your credit card in the Online Branch will not cancel a recurring payment. If you have a recurring payment set-up through the Visa online account website, this will continue automatically unless you manually cancel it.

Can I set up a recurring payment to my credit card within the Online Branch?

Yes, you can make a payment on your credit card by setting up an automatic transfer from another LSCU account. Begin by selecting "Manage/View Transfer" and then clicking on the "add" option. In the set-up box, choose the "recurring" button option. Input your transfer information including account numbers, amount, transfer date, and end date (or click the "no end date" option). To ensure an on-time payment, you’ll want to set the transfer amount to be more than, or equal to, your minimum payment. Once the information is complete, select “OK”. Review your transfer to ensure the information is correct, and click on submit to set-up the recurring payment.

IMPORTANT: Making a payment to your credit card in the Online Branch will not cancel a recurring payment. If you have a recurring payment set-up through the Visa online account website, this will continue automatically unless you manually cancel it.

How do I cancel a recurring payment/transfer within the Online Branch?

You can cancel a recurring transfer in the Online Branch by selecting "Manage/View Transfers” under the "Make a Transfer" tab. To cancel altogether, click "delete" under the scheduled transfer you wish to end. To change your transfer amount or date, click "modify" and submit your changes

How do I make a payment on my credit card from an account at a different financial institution?

You will need to log in to the online Visa Credit Card website to make a payment from another financial institution.  Click "Make A Payment" under the "Payments" tab.

How do I set up automatic payments for my Visa card?

You can set up your credit card to be paid automatically by calling 1.866.583.5196, or by logging into the online Visa Credit Card website and creating a recurring monthly payment.

How do I cancel a recurring payment on the online Visa account website?

To cancel a recurring payment to your Visa, log in to the online Visa Credit Card website and select "Payments" and then "Make A Payment".  Under the Automatic Payments tab, click Cancel All Automatic Payments. 

Where can I find my monthly statement?

To view your statement, log in to the online Visa Credit Card website. If you have not set up your online Visa account, you will need to enroll as a new user. Once logged in select Statements and Activity then View Statements. (Member must be enrolled in e-statements to view online.  Only statements produced after the date of enrollment will be view-able.

Online Payment Center

Loan Payments

Make your LSCU loan payment using another checking or savings account, debit card, or credit card through our secure Online Payment Center. If you are making a payment from your LSCU account, please transfer your payment within online banking.
Please note: Payments made through the online payment center will post 1-3 business days after the payment is submitted. Your payments may not exceed $1,500 per entry. If you would like to setup recurring payment from another financial institution, please give us a call at 800.588.6928.

LSCU Visa Credit Card Payments

Make a payment to your LSCU Credit Card by logging into online banking or your Online Visa Account. Credit Card payments cannot be made in the Online Payment Center.

Important Messages:

  • If you receive an error message stating "Accounts Unavailable" please log out and register again with a new user ID.
  • Effective 07/01/2017, we are no longer able to accept Visa Credit Cards in the Online Payment Center. VISA has changed their Card Acceptance Guidelines to exclude VISA Credit Cards as a means of payment on a debt (loan). The changes to the guidelines only limit the use of VISA Credit Cards for debt repayments and does not impact the use of VISA Debit Cards for debt repayment.
EMV Chip Technology

What are chip cards?

A chip card - also called a smart card or an EMV card - is a debit or credit card that contains a microprocessor that enhances the security of cards during point-of-sale transactions.

These cards, already in use in much of the world, use a security standard originally developed by Europay, MasterCard and Visa (EMV) as a way to fight card fraud resulting from theft, skimming and counterfeiting. The EMV technology has been adopted by the other major card brands and issuers.

Can I use my chip card anywhere?

Yes, your chip card can be used virtually anywhere Visa Debit Cards or Visa Credit Cards are accepted in the U.S. and around the world. To use your chip card:

1. Start the payment process by swiping your card, just as you do today. If the terminal is chip-enabled, you’ll be prompted to insert your card. Insert your card, face up and chip end into the chip-enabled terminal.
2. Leave the card in the terminal during the entire transaction.
3. Follow the instructions on the screen and either sign your name or enter your PIN as needed. Be sure to remove your card and take your receipt when the transaction is complete. Some terminals will make "beep-beep" sound when your card is ready to be removed.

What if the merchant (store) doesn't have a chip-enabled machine?

If a merchant isn’t using a chip-enabled terminal yet, you will ‘swipe’ your card to make your purchase, just as you do today. Chip cards will continue to have the magnetic stripe on the back, allowing them to work in regular terminals.

How do I use my chip card at an chip-enabled ATM?

Insert your card into the terminal and follow the instructions on the screen. Depending on the type of ATM, you might be prompted to reinsert your card. Leave the card in the ATM until the transaction is complete and the card is released, and then remove your card. A PIN is needed for ATM transactions. If the ATM is not chip-enabled, simply use your card as you would at any other ATM.

Does this affect online purchases also?

Making purchases online or by phone doesn’t change … just provide your card information as you have done in the past.

How does the chip technology work to prevent fraud?

When used at a chip-enabled terminal at the point of sale or an ATM, a small computer chip embedded in the card adds a new layer of protection against unauthorized use and counterfeiting. Information programmed into the chip is personalized for your account and each transaction generates a unique code that can’t be used again. This makes it harder to counterfeit a card or to use it fraudulently for in-store purchases.

Will chip cards prevent data breaches?

While chip cards won’t prevent the types of large-scale data breaches that have hit some merchants, they do make it extremely difficult to produce counterfeit cards from that stolen data.

Can cardholders be tracked with their EMV cards?

No. Chip cards contain no tracking information.

What information is on the chip?

The chip contains information about a cardholder’s account and the card expiration date. It also generates a unique code for every transaction when used with a chip-enabled terminal at the point of sale.

What happens if my chip card is lost or stolen?

  • You need to report a lost or stolen debit card promptly by calling the number listed on the back of your card.
  • Replaced cards will be issued with new account numbers.
  • Don't forget you will need to update any automatic payments with your new numbers.