Mobile & Text Banking

  • eAlerts

    • To sign up for eAlerts:

      1. Log in to Online Banking
      2. Go to the 'Other Services' tab
      3. Click on 'Setup or Modify eAlerts'
      4. Choose the alert type
      5. Click on 'Add Subscription'

      Please note that all standard data and text message rates from their carrier do apply as determined by your plan.

      (155)

Mobile Web

  • About Mobile Web

    • Our mobile website provides a streamlined lmcu.org user experience customized for mobile browsers. Features include: • Access to Online Banking* • Branch and ATM Location Finder • Rate Specials • LMCU Contact Information Just go to www.lmcu.org on your mobile device and you will be automatically redirected to our mobile website. *Online Banking experience varies by mobile device. Some browsers may not have access to all Online Banking features. (156)

  • Accessing Mobile Web

    • Visit mobile.lmcu.org on your device’s internet browser. To download the Lake Michigan Credit Union Mobile App: -For iPhone/iPad: download from the App Store. -For Android devices: download from the Android Market -Access the mobile website from any device and click on the ‘download’ link under the log in boxes. This link should send you directly to a site to download the app for your device. (150)

  • Cost to Use Mobile Web?

    • There are no fees for Mobile Web; however, your carrier’s standard data and text message rates apply. (157)

  • Downloadable Application

    • Our Mobile App is available for Android and iPhones. To download the Lake Michigan Credit Union Mobile App: -For iPhone/iPad: download from the App Store. -For Android devices: download from the Android Market -Access the mobile website from any device and click on the ‘download’ link under the log in boxes. This link should send you directly to a site to download the app for your device. (153)

  • Enrollment Process

    • You will need a Lake Michigan Credit Union account that is enrolled in Online Banking and a mobile device that can access the Internet. (158)

  • Mobile Banking Does Not Work

    • On rare occasions, a user may experience issues with entry fields or viewing text and graphics. If this happens, first turn your phone off and then on again. If the problem persists, try clearing out the internet cache on your phone. Explanations on how to do this is in your phone’s instruction manual or check with your carrier for more information. (154)

  • Security

    • Mobile Web is completely secure as it provides the same level of secure encryption as offered by a personal computer connected to Online Banking. (151)

  • Text Banking vs Mobile Web

    • Text Banking uses text messaging. It provides quick and simple access to balance, payment and due date information. You request information, by text message, to be sent back to you in a text message. Mobile Web allows you to do more things like view transaction history, make payments and transfer funds. To use Mobile Web requires an internet browser and data plan. (160)

Text Banking

  • About Text Banking

    • Text Banking is a simple way to get balance and transaction information in real time. Simply text a command to txt@lmcu.org and we’ll text you a response with the requested information. For example, if you text BAL to txt@lmcu.org, we'll text you back with information on all your share and loan accounts. Get started by signing in to Online Banking, then click to enroll in Text Banking and agree to the applicable terms and conditions. (159)

  • Commands Menu

    • BAL - all share and loan balances CC - due date and payment amount for credit cards CHK - available balance for all checking shares CHKXX - available balance for a specific checking share LOANS - due date and payment amount for all loans LOANXX - due date and payment amount for a specific loan LS - due date and payment amount for an auto lease MTG - due date and payment amount for a 1st mortgage SAV - available balance for all savings shares SAVXX - available balance for a specific savings share HELP - menu of commands listed above XX = share or loan ID Example texts Text: CHK01 to txt@lmcu.org Response: Available balance information for Share 01 (typically primary checking) Text: LOANS to txt@lmcu.org Response: Due date and payment amount for all consumer loan accounts (auto loans, unsecured loans, line of credit loans) Text: HELP to txt@lmcu.org Response: Full menu of commands for LMCU text banking service (166)

  • Cost to Use Text Banking?

    • LMCU offers Text Banking free of charge. However, your mobile carrier’s standard data and text message rates apply. Please check with your provider for specific details. (163)

  • Devices Supported

    • Text Banking does not support VOIP, international numbers and many prepaid phones. Additionally, some mobile service providers or plans do not support text messaging, which is needed for Text Banking. (164)

  • Help with Text Banking

    • Text help to txt@lmcu.org to receive a text containing the menu options or call Member Services at 800.242.9790. (170)

  • Is any personal information exchanged?

    • Text responses include your balance and transaction information but do not include your full account number, PIN, email or personal address, your Online Banking ID or Password. Plus, you can only access your account from the mobile numbers you have enrolled. (162)

  • Lost or Stolen Mobile Phone

    • Cancel Text Banking immediately. There are two ways to do this: 1. Call Member Services at 1.800.242.9790 2. Log in to Online Banking and click on 'Other Services; then click on 'Text Banking'Setup" and follow the prompts to remove a phone number. If you later find your mobile device, you can re-enroll that same mobile number. (171)

  • Multiple Messages Received in Response

    • Sometimes we are unable to send all the information you've requested in one message. Because text messages are limited to a certain number of characters, we may send multiple text messages when the response exceeds this limit. (168)

  • Phone Number and/or Carrier Changes

    • If you change your number, you'll need to visit Online Banking and edit your phone number within the Text Banking menus. If you keep the same number, but change to a new mobile service provider, you'll need to sign in to Online Banking, remove your number then re-enroll your number. (169)

  • Response Time

    • Typically, responses take less than a minute but exact response rates vary by mobile carrier and network traffic. (167)

  • Sign up for Text Banking

    • To sign up for Text Banking: 1. Login in to Online Banking and select 'Other Services' 2. Click on 'Text Banking under Account Services and follow the prompts to activate a phone number. (161)

  • Text Balancing Contact Number

    • Send texts to txt@lmcu.org. Many users find it convenient to set-up txt@lmcu.org as a contact in their address book for quick and easy access. (165)

  • Text Banking vs Mobile Web

    • Text Banking uses text messaging. It provides quick and simple access to balance, payment and due date information. You request information, by text message, to be sent back to you in a text message. Mobile Web allows you to do more things like view transaction history, make payments and transfer funds. To use Mobile Web requires an internet browser and data plan. (160)

  • Text Banking from BlackBerry Will Not Work

    • A BlackBerry must have “Auto correct” turned off for Text Banking to work properly. Follow these steps to turn off Auto text correct From the Homescreen: • Select Options • Click SMStext • Set disable Auto Text field to Yes • Press Menu Key • Save (172)