Pay Card

Your money. Your card. Your control.

Direct deposit, Visa debit, and mobile banking. One handy card. No traditional checking account needed.

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Person standing in front of a stone wall holding up a LMCU credit card toward the camera, wearing a denim jacket and necklace, with a bookshelf area visible blurred in the background.

More than a card. A real relationship.

With a Pay Card, you’re getting more than a piece of plastic. You’re joining LMCU for real member support, everyday banking tools, and a path forward if you want to grow your relationship with us.

Woman fueling her vehicle at a gas station.

Pay Card at-a-glance

The Pay Card gives members everyday banking tools1 without traditional account requirements.

  • Use your Pay Card anywhere Visa is accepted 
  • Direct deposit and monthly statements 
  • Online banking, mobile banking,2 and phone banking 
  • Fraud protection for everyday purchases 
  • $500 daily ATM limit 
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Pay Card FAQs

The Pay Card is for anyone who wants a secure, convenient way to manage money but doesn’t currently qualify for a traditional checking account. It’s also a strong option for anyone looking for direct deposit, Visa debit access, and mobile banking in one simple place to start.

The Pay Card gives you direct deposit, Visa debit access for purchases anywhere Visa is accepted, online banking, mobile banking, phone banking, monthly statements, and fraud protection on purchases. It’s a practical set of everyday banking tools without the traditional requirements of a checking account.

Your Pay Card has a $500 daily ATM limit. You can adjust it anytime in online banking under Other Services > Account Services > Update ATM Limits, or in the mobile app under Cards > ATM Limits.

You can use your Pay Card for everyday purchases anywhere Visa is accepted. You can also use direct deposit and manage your account through online banking, mobile banking, and phone banking.

Yes. You can have your paycheck automatically deposited into your Pay Card account through direct deposit for faster access to your money and easier everyday spending.

Yes. The Pay Card is designed for members who want direct deposit, Visa debit access, and mobile banking without the traditional requirements of a checking account.

Why LMCU?

Sometimes our members say it best.

Family of five people seated together on chairs in a living room, with a kitchen, refrigerator, and fireplace visible behind them.

“We've been with Lake Michigan Credit Union for over 10 years.”3

The Garcia Family, LMCU Members 

"Branches are all over the place, they're easy to access, and it's easy to transfer money back and forth to one another when we go out.”3

Doug B., LMCU Member

  One of America's Best Regional Banks & Credit Unions for 2026.

Newsweek, January 2026 

Bundle LMCU products and maximize your financial wellness

Checking Accounts
Savings Accounts
Mortgage
Home Equity
Credit Cards
Auto & RV Loans
Disclosures

Automatic payment/withdrawals are not permitted.

Third party internet/mobile/data fees may apply.

All featured LMCU members were compensated for their time.