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ATM

ATM questions are more common than you'd think. Whether it's a deposit hold, a PIN reset, or a card that stopped working, you'll find a clear answer here. 

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.

Deposits at an LMCU ATM will be usually be deposited the first business day after the deposit. The ATM deposit hold is one business day (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.

The PIN on a Debit/ATM card can be changed in Online Banking or on the Mobile App. You do not need the current PIN to make this change.

After logging in to Online Banking, click ‘Services’ in the top menu, then look under Checking Account. 

For LMCU's Mobile App, sign in and select 'Cards' from the main menu located in the upper left. Select 'Debit Card PIN Reset' and follow the instructions.

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 or the Mobile App, we would be happy to assist you in person at any of our branch locations. You can also contact us at (800) 242-9790 to have a PIN reminder mailed to you.

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 stripe 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 members@lmcu.org, 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.

  • 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.

The PIN on a Debit/ATM card can be changed in Online Banking or on the Mobile App. You do not need the current PIN to make this change.

After logging in to Online Banking, click ‘Services’ in the top menu, then look under Checking Account. 

For LMCU's Mobile App, sign in and select 'Cards' from the main menu located in the upper left. Select 'Debit Card PIN Reset' and follow the instructions.

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 or the Mobile App, we would be happy to assist you in person at any of our branch locations. You can also contact us at (800) 242-9790 to have a PIN reminder mailed to you.

A signature from the primary account holder is required to close a checking account or the entire membership. An account can be closed in person at any of our branch locations. For further instructions, please call our Member Services Department at (616 or 800) 242-9790, send an email to members@lmcu.org, or connect with us on Live Chat during business hours. A sub savings account can be closed without a signature inside of Online Banking, by calling our Member Services Department at (616 or 800) 242-9790, via email request to members@lmcu.org, or via request on Live Chat. To close a sub savings within Online Banking please log in and click on the ‘Services’ tab then click on ‘Open or Modify Share’ (under Share Maintenance).