- WIRING FUNDS TO THE CREDIT UNION
- INTERNET BRANCH (Online Banking)
- TOUCH TONE TELLER
- VISA CHECK CARD
- ATM CARD
- SHARE ATM CARD
- DEPOSITS
- WITHDRAWALS
- NEW ACCOUNTS & MEMBERSHIPS
- HOW TO APPLY FOR A LOAN
- PRE-PAID CARDS
You may wire funds into a Credit Union checking or share account. Unfortunately you may not wire funds out of your credit union account. You may want to consider signing up for moneymover to transfer funds to your accounts elsewhere. When sending a wire to LM Federal, please completely follow these instructions:
Wire to: Mid-Atlantic Corporate FCU, Middletown PA
Routing#: 2313-8755-0
Credit to: LM Federal Credit Union, Account#: 252076390
Further Credit to: Your Name (ex. John Doe)
Your LM Federal account number/suffix (ex. 99999-A)
Account type; (ex. savings or checking)
Funds wired in are posted to your account within 90 minutes of receipt. A receipt is sent to you by mail to confirm the wire has been posted.
The Credit Union's online banking system is called Internet Branch. Use of Internet Branch is completely free. You may view information and account history for any Credit Union account. For more information or to enroll, click on the Internet Branch information page.
- Access 24 hours a day from any PC connected to the Internet
- 128 bit encryption means that your information and transactions are secure
- Select and maintain your own Access ID and Password
- Account balances and information on all active deposit and loan accounts
- View or print transaction history within the last 90 days
- Transfer funds between your accounts or to your loan
- Request a withdrawal by check or by MoneyMover
- Set e-mail alerts if your balance falls below a certain amount
- Request a check stop payment
- Review current and prior year tax information
- Also available to those without a Credit Union checking account
- Optional Internet Bill Pay service available
Touch Tone Teller is our voice response system that allows you to communicate with the Credit Union via a touch-tone telephone 24 hours a day, 7 days a week. Touch Tone Teller transactions made by 2:00 p.m. EST Monday through Friday will be posted to your account that day. Transactions made after 2:00 p.m. will be posted the next business morning.
- Select and maintain your own personal identification number (PIN)
- Access the system by calling our regular telephone number (select option #1)
- Account balances and information on all deposit and loan accounts
- Inquire on recent account activity including checks paid, deposits and withdrawals
- Request a mailed check ($2,500 maximum) and MoneyMover account withdrawals
- Transfer funds between your savings, checking and money market accounts or to your loan
- Request an advance from your Rediline loan
- Current and prior year savings and loan interest paid year-to-date
- Re-order checks
- Call up to 10 times a month free of charge (thereafter $.50 per call)
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The Visa Check Card lets you deduct purchases from your Checking account. Forget about the hassle of remembering a personal identification number. Simply swipe your card, choose "Credit", sign and you're good to go!
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Use your Visa Check Card to pay for goods and services wherever the Visa symbol is displayed. Over 18 million locations worldwide! This includes purchases made by telephone or the Internet. Your liability for unauthorized purchases? $0
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Use as an ATM card at any Star, Co-op, Cirrus or Visa ATM
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Get a receipt with every purchase and detail of all transactions in your monthly statement
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The Visa Check Card is more readily accepted by merchants who display the Visa symbol than checks, especially in other parts of the U.S.A. or the world
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Using your card for travel means you may not have to stock up on travelers checks or cash
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The Visa Check Card has no monthly or transaction fee
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Take advantage of periodic Credit Union Visa purchase cash back promotions
If you have a checking account, but do not want a Visa Check Card, we offer a traditional ATM card to access funds from your savings or checking account. Your ATM card is accepted at any ATM displaying the Star, Co-op or Cirrus network logos. You may also use your ATM card to pay for goods or services at any merchant that accepts the Star or Co-op ATM card. If you would like to apply for an ATM card and you already have a checking account, you can complete the application by clicking here. You may then fax, mail or drop off the form to our office.
We currently offer an ATM card for members who do not have a checking account. This card may be used to withdraw funds at any ATM displaying the Star or Cirrus network logos. Withdrawals are posted to your primary share/savings account. There is a monthly service fee of $2 for the card which is waived for members who have achieved Silver or Gold Membership Rewards. There is no fee for use of the LM Federal ATM. Transactions performed at foreign ATM’s are subject to a fee. If you would like an ATM card for your share account, you can complete the application by clicking here. You may then fax, mail or drop off the form to our office.
- In person at our Baltimore office or thru our drive-thru.
- Payroll deduction - from any organization that offers it. Check with your payroll department.
- Direct Deposit - of payroll, pension, Social Security or any other recurring payment.
- By mail - give us a call for a supply of deposit slips and mailing envelopes.
Make Deposits at the ATM with Co-op's Shared Deposit Program!
Credit Union members with a checking account may now access the Co-op ATM network's shared deposit program. Through Shared Deposits, you may deposit checks and cash at the ATM's of other financial insitutions participating in the program if you have an LM Federal ATM or Visa Check Card. Funds are available in your Credit Union account 3 business days after the date of deposit. There is no fee for deposits made at other insititutions ATM's. For a list of participating ATM's, visit the ATM locater by clicking here.
- In person, the drive-thru and the ATM at our Baltimore Office. Up to $4,000 available in cash per day, or by check up to the available balance at the drive-thru and in person only. Click here for our hours.
- By phone - a withdrawal check is mailed to your home the same day. Fedex delivery is also available.
- By writing a check - if you have a LM Federal Checking Account.
- At any Co-op, Star or Cirrus ATM - if you have a LM Federal Checking Account.
- By electronic transfer - with our MoneyMover transfer system. Funds are electronically transferred to your local Checking Account the following day Click Here To Apply For Our MoneyMover Service!
How can I open a new membership or account?
You can open a LM Federal Share (Savings) Account and join the credit union in person at our Baltimore office, through the mail, or right from this web site. Click here to apply online. To request additional account information, give us a call or contact us via e-mail.
How does the loan process work?
- Apply online 24 hours a day, by phone during regular business hours, by fax or in person.
- Consumer loan applications that meet our lending requirements are typically approved in less than 60 minutes. Home equity loan applications are approved with 4 hours (or by the following business day).
- Loans are disbursed by Federal Express (at no charge!) or in person.
- Repay your loan through convenient payroll deductions, automatic transfer from a LM Federal account, through the mail or in person.
Home Equity Loan settlements are held at the Credit Union office or at one of several locations convenient for you. A mobile settlement officer is also available to meet you at work or any other public location (not available in all areas).
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