Security Center

We've got your back, day and night.

See how we protect your account security, what you can do to stay safer, and how to report fraud fast. 

Report Fraud Spot Scams
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Where do you want to start?

How We Protect You
What You Can Do
Spot Scams
Report Fraud
Privacy

Experienced Fraud? →

Tell us right away. We'll help lock down your accounts and sort out the damage. 

Spot the Signs →

See the scams making the rounds right now, and the one move that stops them cold. 

What to Watch For →

Fresh alerts on the scams we're seeing across our membership, updated as they happen.

Call us right away at (800) 242-9790. If a card is involved, freeze it in the LMCU mobile app or Online Banking first, then call. You can also start a report on our Report Fraud page.

Yes. Face ID, Touch ID, fingerprint and facial recognition all work here, backed by encryption, session timeouts and constant traffic monitoring. Add the mobile authenticator for a one-time passcode at sign in. 

Turn on the mobile authenticator in the LMCU app. It sends a one-time passcode that stands in for your password when you sign in to Online Banking, generated on the spot and gone again fast. Learn more.

With an LMCU credit or debit card, you can dispute a transaction, freeze the card, or cancel and replace it. Wires, checks, cashier's checks, crypto and money transfer apps work more like cash: once that money's gone, it's usually gone for good. 

Yes. Deposits at LMCU are federally insured by the National Credit Union Administration (NCUA), an independent agency of the U.S. government. Coverage is available for up to $250,000 per depositor, per ownership category, including individual, joint, trust, and certain retirement accounts.
 
Depending on how your accounts are titled, you may qualify for more than $250,000 in total coverage. For details about NCUA share insurance coverage and to estimate your coverage, visit mycreditunion.gov/share-insurance or NCUA.gov.

No, never. We won't call, text or email asking for your password, PIN, full account number or a one-time code. If someone does, hang up and call us at (800) 242-9790.