• ATM Deposit Holds

    • Since an ATM machine does not know if an envelope contains cash, checks or is actually an empty envelope, funds deposited in an ATM are not available until they can be validated by our staff. The ATM deposit hold is two business days (Monday- Friday). Our Accounting Department works on releasing the holds as soon as a deposit has been verified, so your deposit may be released earlier. While on hold, an ATM deposit is not available for any transactions that post to your account. The deposit will show as part of your "balance" but not the "available balance". Individual branch offices are not able to process ATM deposits as they do not have access to the ATMs. For quicker processing, consider using the "Night Deposit Boxes" that are available at most of our branches. Deposits placed into the "Night Depository" go directly to the branch and tellers begin posting them on the following business day.
  • Change PIN on a Debit/ATM Card

    • The PIN on a Debit/ATM card can be changed inside of Online Banking. You do not need the current PIN to make this change.

      1. Log in to Online Banking.
      2. Click on ‘Debit RePIN’ on the right-hand side (under ‘Quick Links’) and follow the instructions.

      Your new PIN will be active after 15 minutes.

      Please note: LMCU staff members do not have the ability to see, or change your PIN.

      If you are not able to access Online Banking, we would be happy to assist you in person at any of our branch locations. You can also contact us at (616 or 800) 242-9790 to have a PIN reminder mailed to you.
  • Debit -ATM or Credit Card Does Not Work

    • If a Debit-ATM or Credit Card does not work when swiped at a Merchant, it is most likely worn out. It can lose the information in the magnetic strip for a variety of reasons, such as “wallet wear”. We can send you a replacement card by mail, with no change to the numbers or PIN, or you can visit a branch to be issued an instant replacement card.

      To request a card by mail, please contact our Member Services Department at (616 or 800) 242-9790, send an email to [email protected], or connect with us via Live Chat during business hours.

      You should expect that card in 7-10 business days. For an instant replacement card, please visit any of our branch locations with proper ID.
  • Tips For Using ATM

    • -Always check the machine before putting your card in: Is the card slot securely in the machine? Does anything look out of the ordinary? Has anything been installed around the edges of the machine that looks strange?

      -Observe your surroundings before using an ATM. If the machine is obstructed from view or poorly lit, visit another ATM.

      -Take a friend with you - especially at night.

      -Have your card out and ready to use.

      -Beware of offers for help from strangers during an ATM transaction

      -Shield the screen and keyboard so anyone waiting to use the ATM cannot see you enter your PIN or transaction amount.

      -Put your cash, card and receipt away immediately. Count your money later, and always keep your receipt.

      -If you see anyone or anything suspicious, cancel your transaction and leave immediately. If anyone follows you after making a transaction, go to a crowded, well-lit area and call the police.

      -When using a drive-up ATM, make sure all passenger car doors are locked and windows are up.

      -Do not leave your car unlocked or engine running when you get out to use an ATM.