Skip nav to main content.
×
cover-art

LBS Financial
Mobile Banking App

Free - On the App Store

×
cover-art

LBS Financial
Mobile Banking App

Free - On the App Store

FAQs

Accounts

Before visiting one of our branches for a Notary, please call the Credit Union to check on availability for that day.

Please contact us right away at 800.527.3328 to let us know of any fraud on your account. You may be required to visit one of our branches to fill out an Affidavit of Fraudulent Use of a Credit or Debit Card.

To request a change of address online, you must login to Online Banking, click on Settings in the toolbar, then click on Contact Information. If you do not have a login, you may either enroll in Online Banking or call us to make your change of address request. We can validate your request over the phone. You may also visit any LBS Financial branch to request an address change.

You may write us a letter stating the reason for your dispute, details of what transpired between you and the merchant, date(s) and signed by the account holder. You may also visit one of our branches to complete a Dispute Certification.

Provide your LBS Financial’s routing and transit number (322276855) and your account number. Specify if you want the funds credited to your Share Draft/Checking or Share Savings account.

Provide your LBS Financial’s routing and transit number (322276855) and your account number. Specify if you want your funds debited from your Share Draft/Checking or Share Savings account.

Complete our online form to place a stop payment, visit one of our branches, use Online Banking and click on Accounts, expand the view to see more detail, then click on Stop Check, or access your account through HomeTeller to place the stop.

Copies of your checks may be viewed within Online or Mobile Banking. Click here to login to Online Banking to view a copy of your paid check. There are two places to view checks: click on your Checking account from the History or Accounts page and click on the check icon next to a transaction. You will have the option to review checks for the previous 12 months. For check copies further back, click on eDocuments. If you have signed up for eStatements you can click on a check within the statement to view. If you need check copies and prefer not to use our Online Banking, you may visit one of our branches or call us. On the form there is a text box in which you can list the checks for which you want copies. We request that you provide the check number, date cleared and the amount for each. You may obtain free photocopies of two checks per statement. If you need more than two checks per statement, there is a small fee. View the most recent Fee Schedule.

Order checks online through Harland Clarke or contact us.

Please follow these instructions for all incoming wires:

Send Funds To:

FIRST CREDIT:

Farmers and Merchants Bank
Routing/ABA number 1222-0119-8
3140 East Anaheim Street
Long Beach, CA 90804

SECOND CREDIT:

L.B.S.F.C.U.
Account number #02 000040

FINAL CREDIT:

Your name
Your LBS Financial Credit Union account number and suffix

Auto Loans

When LBS Financial obtains your credit score during the pre-approval process, the Credit Union will determine your loan rate based on your past financial history and credit. Take note that the Credit Union must obtain your credit report personally; they will not accept copies of credit reports from third parties.

Fill out an online application, or come see us at any branch.

We process most applications within one business day. Applications received over the weekend or holidays are processed the next business day. You may check your status by calling us.

LBS Financial will release the lien and the DMV will print and mail the title to the last known address of the person with the loan.

Yes. On time payments mean a higher credit score. LBS Financial reports borrower, co-borrowers, guarantors, and co-signers payment habits to all three major credit bureaus: Experian, Equifax and TransUnion.

You have options. You can use our Mobile or Online Banking services to pay from one of your accounts at LBS Financial. Use Mobile Deposit within Mobile Banking to take a picture of a check from your other financial institution and apply to your loan payment here. You can also transfer money from another financial institution using LBS Autopay or a number of Bill Pay services from other financial institutions. Mail us a payment or call and pay by phone, just keep in mind there are fees for paying by phone.

For a loan pre-approval good for up to 60 days, apply online, visit any branch, or give us a call.

Bill Payment

It’s easy! Just log into Online Banking, click the Bill Payment link on the left menu, click on Enrollment Options, and then follow the steps.

Once your enrollment is received and processed you’re ready to start enjoying the convenience of Bill Payment.

The CheckFree Bill Payment program is focused on making your payment on time, every time. CheckFree assumes the risk in paying your bill, whether or not the funds are available in your account. In the case of the payee receiving a paper check, CheckFree will mail the check prior to your due date to ensure it arrives on time and will not debit your account for that check until the due date. If your payee receives payments electronically, CheckFree will credit the payee on the due date you have indicated and then debit your account on the same day. If there are non-sufficient funds in your account, you will be responsible for an NSF fee. Your account could receive up to two NSF fees as CheckFree attempt to debit your account once more the following business day. CheckFree will attempt to recover the funds from your payee. If CheckFree is unable to recover the payment, your bill pay privileges will be frozen until you have paid them the money you owe them. Please review our Fee Schedule for current NSF and Uncollected Funds fees.

Yes! If you have not already, we recommend that you set up overdraft protection on your account. If you pay a bill and have non-sufficient funds to cover the bill, you are subject to the same NSF fee as if you wrote a check and didn't have the funds to cover it. With overdraft protection, you can protect your account from non-sufficient funds by using your Share Savings, Money Market, another checking account or Visa to back up your Checking account. Contact the Credit Union to set up your overdraft protection.

  • E-Bills are regular statements delivered electronically by your Payee/Billers. You'll typically receive them at the same time each month you would receive a paper bill. You can pay them automatically with Auto-Pay (under a certain dollar amount), or pay them manually within Online Banking.
  • When you set up a payee in Bill Payment, you will have the option to set up E-Bills. To add E-Bills to an existing payee, go to the Payment Center (Bill Payment home page). Within the Payment Center and the "Pay a Bill" box, you'll see a list of payees. To the left of each payee name, an icon that says “Get Bill” will appear if an E-Bill is available.
  • Please note that you'll no longer receive a paper bill if you opt into E-Bills. However, you can print your E-Bill statement for your records.

No, you can simply shred or destroy it. Our system provides all the necessary information to your payee. We encourage you to try our E-Bills, which are available through Bill Payment on some of your payees. You will see a "Get Bill" icon next to those payees. This will help you eliminate the paper bills coming to you in the mail.

Contact our Bill Payment provider, CheckFree, directly at 800.877.8021 between 4 am to 10 pm PT seven days per week. CheckFree guarantees payment of your bill by the payment date you indicate.

Recurring payments are automatic payments of the same amount. You do not have to re-enter a new payment each month. These payments can be scheduled for one of several frequencies:

  • Weekly, every 2 weeks, monthly, every 2 months, every 3 months, every 6 months, annually

Yes, you can review, change, or cancel a payment at any time before it is processed. Payments may be processed up to 5 days in advance of the payment due date entered by the user.

Payments can be set up as much as 365 days in advance. Recurring payments can be scheduled to occur over any time period in the future, including indefinitely.

This is our current payment schedule:

  • Payments to electronic payees are delivered in 2 days
  • Payments issued by check are delivered in 5 days
  • When you schedule a payment, the payment calendar indicates the earliest available payment date
  • Approximately 77% of payments to businesses receive payments electronically

That depends on whether the payee receives electronic payments or checks. Electronic payments post in 2 business days. Payees that receive payments by check will display as having a lead time of 5 days. Once the checks are mailed, we have no control over how long it takes your payee to debit your account. Paper checks may clear earlier than the pay date selected by the account holders(s) since they may be deposited by the payee upon receipt.

College Students

Yes. Every Member must open a Share Savings account which becomes their Membership account at the Credit Union. Our Share Savings account requires a minimum deposit of $5, plus a one-time membership fee of $1 (per Member on the account). You must maintain the $5 minimum balance to keep your Membership in good standing. For Free Checking with eStatements, there is a $20 opening deposit (no minimum balance thereafter).

We will send monthly paper statements or eStatements for Members with checking accounts. If you do not have a checking account, you will receive quarterly paper statements or eStatements unless you make electronic withdrawals or deposits (ACH) or have ATM activity associated with this account in a given month. Then we will send you a monthly statement.

Coverdell ESA

This account can be opened at any of our branches. Just stop by and we'll get you set up.

E-Bills

Most Payees/Billers will use their established billing cycle, so you can expect to receive your bill at approximately the same time of the month that you currently receive your paper bill.

When you log on, you'll see the number of new E-Bills, statements, and notices you've received. You'll also receive a reminder email to notify you of new E-Bills in your account mailbox if they have not been viewed within four days of delivery.

You will no longer receive a paper bill. However you can print a paper copy of any E-Bill, if you like. Your bills, statements, and notices are available online for six months from their arrival date. Contact your financial institution/payee directly for records after six months.

  • E-Bills are regular statements delivered electronically by your Payee/Billers. You'll typically receive them at the same time each month you would receive a paper bill. You can pay them automatically with Auto-Pay (under a certain dollar amount), or pay them manually within Online Banking.
  • When you set up a payee in Bill Payment, you will have the option to set up E-Bills. To add E-Bills to an existing payee, go to the Payment Center (Bill Payment home page). Within the Payment Center and the "Pay a Bill" box, you'll see a list of payees. To the left of each payee name, an icon that says “Get Bill” will appear if an E-Bill is available.
  • Please note that you'll no longer receive a paper bill if you opt into E-Bills. However, you can print your E-Bill statement for your records.

eStatements

Statements, tax documents, and billing notices are currently available within eStatements. You can choose which ones you prefer to remain paper or make them all electronic!

If you switch from paper statements to electronic statements, you will no longer receive a paper statement in the mail. You may always switch back to paper statements if you change your mind.

If you have already registered for eStatements: click on eDocuments in the top left toolbar within Online Banking. Documents are stored here for up to 18 months.

If you have not registered for eStatements: click on eDocuments and switch to electronic for any documents on the list. Then, make sure to read the PDF disclosure, copy the code from the disclosure and paste in the box and accept terms. Once you agree, you will have access to the system. You will not have an eStatement ready for you until the next statement period.

Home Equity Line of Credit

There are three ways you can start the process: apply online, call 800.527.3328 and ask to speak to one of our loan experts, or call us to schedule a visit with a loan expert at one of our branches.

Both loans use the value in your current home to secure a low rate. A Home Equity Loan is paid out as one large sum, whereas a HELOC approves you for a limit that works similar to a line of credit or credit card, which you can then borrow from here and there as you need it (you'll only pay interest on what you actually borrow). A Home Equity Loan is great if you know exactly how much you want to borrow; a HELOC might be a better choice if you have ongoing expenses.

It depends on the value of your home and any current loans outstanding. Get pre-approved online today and start the process.

Home Equity Loans

There are three ways you can start the process: apply online, call 800.527.3328 and ask to speak with one of our loan experts, or call us to schedule an appointment to meet with a loan expert at one of our branches.

Both loans use the value in your current home to secure a low rate. A Home Equity Loan is paid out as one large sum, whereas a HELOC approves you for a limit that works similar to a line of credit or credit card, which you can then borrow from here and there as you need it (you'll only pay interest on what you actually borrow). A Home Equity Loan is great if you know exactly how much you want to borrow; a HELOC might be a better choice if you have ongoing expenses.

It depends on the value of your home and any current loans outstanding. Get pre-approved online today and start the process.

Comparing the features of each loan will help you reach the best decision:

Cash-Out Refinance Home Equity Financing
One loan and one monthly payment Choose between a one-time loan advance or a revolving line of credit.
Your existing mortgage is refinanced for a higher overall amount using some of the accumulated equity in your home You can borrow all or part of your home's equity.
Get immediate cash and spread the payments out over a longer timeframe Flexibility of a shorter term to help build equity faster OR reduced monthly payments by spreading the cost over a longer term.
Usually a lower interest rate than home equity financing You can borrow more money - sometimes up to 90% of the value of your home. With a line of credit, interest is paid only on the money you actually use, and you can access it whenever you want without having to reapply.

Home Purchase

The meeting will last approximately 1 hour and will be held either at the Escrow Company’s office or a Notary may come to your home. The steps below explain what happens during and after closing:

  1. The respective closing agent reviews the settlement sheet with you.
  2. You sign all loan documents.
  3. You then present a certified or cashier's check to pay closing costs (if applicable).
  4. If your monthly payments are to include property taxes and insurance, a new escrow account (or reserve) is opened when the loan is funded.
  5. The loan is funded by the Lender. The funds are transferred to the Escrow, who in turn, instructs the Title company to set up recording of the documents. The Deed and any other documents are usually recorded the following day. Once recording is confirmed, the Escrow agent can disburse funds for any payoffs. Remaining funds are sent to you with the HUD Settlement Statement.

Prior to the closing, our Residential Lending Department closer will contact you to let you know the amount of funds you must bring to the Closing Meeting. Personal checks are not accepted--cashier's checks only.

The closing (or settlement) of the loan is an actual meeting that takes place at the Escrow Office, one of our branches, or the escrow's signer can come to your home or place of employment. At that time, you'll be asked to sign the closing documents and pay any outstanding closing costs you are responsible for.

If you are a first time home buyer and your home loan exceeds 80% loan to value, you will be required to purchase Mortgage Insurance and attend a First Time Home Buyers Seminar. You can learn more about home buying and take the First Time Home Buyers test online. Be sure to enter the Buyers Ed Code: homeloans@lbsfcu.org.

That depends on you and your current financial situation and long term financial goals. The following is a brief analysis of each type of loan, and the benefits of choosing one type over another.

  • Fixed Rate Loans
    Fixed Rate Loans, by their very nature, are the most stable of the loan categories. With interest rates and payments fixed over the life of the loan (generally 15, 20 or 30 years), homeowners can rely on knowing exactly what their housing costs will be each and every month. If it is important to you to have your rate and payment constant, or if you plan to be in this home for a long period of time without moving, a fixed rate loan may be the best option for you. See Mortgage Loan Rates.
  • Adjustable Rate Mortgages (ARMs)
    Adjustable Rate Mortgages (ARMs), conversely, often offer low start rates that then change with the marketplace. It is the low start rate that makes ARMs more attractive to many borrowers. An ARM is a great option if you are planning to move from this home within a few years. By having a low start rate, borrowers benefit from increased buying power, with the ability to afford a higher loan amount than with many fixed rate loans. Buyers, however, need to keep in mind that the rates can change dramatically once the fixed-rate period ends. Even with pre-set life caps, which limit how much the rate can "adjust," rates can increase substantially. See Mortgage Loan Rates.
  • Fixed/Adjustable Combination Loans
    Fixed/Adjustable Combination Loans are described by many as the "best of both worlds." These loans enable borrowers to enjoy the stability of a fixed rate loan during the early years of the loan, while also experiencing the increased buying power of an ARM. Start rates on this type of mortgage are often lower than standard fixed rate loans. Fixed/adjustable combination loans are often ideal for individuals who anticipate earning greater income during the later years of the loan, but would benefit from a lower payment in the beginning. See Mortgage Loan Rates

PMI is a necessary expense when you buy a house with less than a 20% down payment. PMI is additional insurance written by a private company protecting the mortgage lender from mortgage default.

Plan on 1%-3% of the market value of your home. For example, if your home has a market value of $500,000, property taxes might be $5,000 to $15,000, depending on where you live. If your property is located in a Mello Roos bond area, property taxes may be affected. Ask your LBS Financial loan specialist about your specific property area.

A ratio of the amount of money you wish to borrow compared to the value of the property you wish to purchase. An 80% LTV on a $100,000 property would equal an $80,000 loan. The property value is determined by either the appraised value or the purchase price, whichever is less.

A neutral party who holds the legal documents and funds on behalf of a seller and buyer or a lender and a borrower, until the parties have satisfied all of the conditions to "close."

A fee collected by the lender for allowing you to borrow money to purchase or refinance property. The fee--also known as "points" is usually expressed as a percentage of the total loan amount. One point equals 1% of the loan amount.

Home Refinance

The closing (or settlement) of the loan is an actual meeting that takes place at the Escrow Office, one of our branches, or at your home or place of employment. At that time, you'll be asked to sign the closing documents and pay any outstanding closing costs you are responsible for.

To help speed up a refinance requiring standard processing, here is a list of the information you should collect and have ready to provide once you accept our Loan Estimate (following the application). Original documentation, when requested, is preferred and will be returned to you promptly.

Category Sub-category Brief Description
Loan Application Loan application form Loan application form signed and dated by all applicants
Income documentation
  • Hourly or salaried employment
  • W-2's for the past two years
  • Paycheck stubs covering most recent 30 days
Self-employed Most recent two full years of tax returns (individual, and corporation, or partnership)
Retired
  • 1099's
  • Social security award letter or
  • Pension award letter
Other Income Other income requirements If Other Income is needed to qualify for the loan, supporting documentation and history of receipt may be a requirement.
Assets Evidence of sufficient funds when closing
  • Two most recent original statements (all pages) of all checking, savings, or other asset documents
  • If receiving a gift from a family member, a signed gift letter form provided by LBS Financial and signed by the donor
Obligations Evidence of financial obligations (debts) Copy of the fully-executed Divorce Decree indicating amount of child support, alimony, or separate maintenance payments
Property Documentation
  • Current copy of Hazard Insurance policy (and Flood Insurance, if applicable)
  • Copy of Master Insurance Policy (HOA)
  • Copy of HOA/Property Management billing statement

 

Wise investors usually order a credit report to review its accuracy. This step gives them a chance to address any errors or mishaps before approaching the lender. As part of the refinance process, LBS Financial will eventually order your credit report, so it's a good idea to address it beforehand. Note that LBS Financial cannot use the credit report you have obtained and will need to order a credit report as well.

At LBS Financial, you'll find a number of home loans for every type of refinance. The goal here is to match the benefits of a specific loan type with your goals. So, let's first look at your goals or needs:

Your Situation Consider the following strategy
Have little cash Equity loan
Need low closing costs Ask about our no closing cost options
Want to lower your rate and payment but plan to stay over 5 years Fixed rate loan
Want to lower your rate and payment and sell within 5 years ARM
Add a room or other home improvements Equity cash-out refinance or Home Equity Line of Credit
Want to avoid monthly private mortgage insurance Loan-to-value at 80% or less on 1st mortgage
Financing a 2nd home (vacation) 30-year fixed-rate
Want consistent monthly payments Fixed-rate loan

Our LBS Financial loan specialist will be happy to go over the options in more detail. Give us a call or visit a branch today.

You can usually lower the rate by paying more points. Points are fees paid to the lender at closing. Each point is equal to 1% of the loan amount. For a $100,000 loan, a point equals $1,000. Two points would be $2,000. If you have the cash, it's a good way to save money on interest over the life of your loan.

Below is a chart showing all of the types of potential closing costs associated with a home loan and which fees may be charged by LBS Financial, depending on your loan type:

Customary Fees & Charges LBS Financial
Loan origination fees If applicable
Loan discount/origination points If applicable
Application/processing/underwriting fees Yes
Document preparation fees Yes
Appraisal fees Yes
Credit report fees Yes
Mortgage insurance If applicable
Tax service If applicable
Flood determination fee Yes
Escrow fees Yes
Attorney fees No
Abstract or title fee If applicable
Title insurance Yes
Recording fee and transfer taxes Yes
Notary fee Yes
Survey fee No

During a refinance, you may have costs for adjustments or prorations. These are called pre-paid costs, such as property taxes, prepaid interest, and homeowner hazard insurance.

Yes! Provide our LBS Financial loan specialist with the details of your first and second mortgages, and we will present the potential options for consolidating your mortgages. Or apply online now!

Yes! Credit cards, car loans, student loans, revolving credit and other debts can be consolidated. An LBS Financial loan specialist will present the potential options for debt consolidation.

Comparing the features of each loan will help you reach the best decision:

Cash-Out Refinance Home Equity Financing
One loan and one monthly payment Choose between a one-time loan advance or a revolving line of credit.
Your existing mortgage is refinanced for a higher overall amount using some of the accumulated equity in your home You can borrow all or part of your home's equity.
Get immediate cash and spread the payments out over a longer timeframe Flexibility of a shorter term to help build equity faster OR reduced monthly payments by spreading the cost over a longer term.
Usually a lower interest rate than home equity financing You can borrow more money - sometimes up to 90% of the value of your home. With a line of credit, interest is paid only on the money you actually use, and you can access it whenever you want without having to reapply.

When you refinance your mortgage, you're actually replacing it with a brand new mortgage loan. Expect to go through a mortgage application process very similar to that of your original mortgage. Refinancing is often a sound financial choice that can allow you to meet a variety of needs, such as lowering your monthly payments; changing from adjustable to fixed rate loan; taking cash out of your current home equity; or eliminating private mortgage insurance.

Interest Checking

You are welcome to request a free Debit Card for this account. Certain qualification requirements may apply.

If you have an account with us, your routing number is 322276855.

We will send monthly paper statements or eStatements for Members with checking accounts. If you do not have a checking account, you will receive quarterly paper statements or eStatements unless you make electronic withdrawals or deposits (ACH) or have ATM activity associated with this account in a given month. Then we will send you a monthly statement.

IRA Certificates

$100.

No, once you open the IRA Share Certificate, you cannot add on to it.

You can check your balance 24/7 days week by using our automated phone banking, HomeTeller. You can also speak to one of our representatives during normal business hours.

The routing number and transit number for LBS Financial is 322276855.

Mobile Banking

Mobile Banking is a wireless Internet-based service that allows you to bank safely and conveniently from your tablet or mobile device. You can access Mobile Banking by downloading our app through the Apple app store or Google Play store. You do not need to enroll in Online Banking first.

View account balances and share history, view account holds and pending items, see copies of paid drafts, set up account alerts, view eStatements and eDocuments, transfer money, make a loan payment, pay-a-person (PayPal), and pay bills.

Your security is of our top importance. Our Mobile Banking platform uses the same robust security measures that are available in Online Banking. Your password or fingerprint is required every time you sign in to Mobile Banking. We use Multi-Factor Authentication (MFA) which adds an additional layer of authentication. You will receive a one-time PIN for any new devices accessing our systems or for certain changes or transactions made on your account. SSL (secure sockets layer) and 128-bit encryption ensures that your connection and information are secure from outside inspection, making information unreadable as it passes over the Internet.

Mobile Banking is a free service to LBS Financial Members. However, your cell phone carrier may still charge for text and data usage. Check with your mobile carrier for more information.

Mobile Wallet

Google Pay is available with LBS Financial Credit Cards only (we will be launching Google Pay for Debit Cards at a later time). Google Pay is pre-loaded on many android devices (or you can download from the Google Play Store). If you already have your LBS Financial Credit Card in your Google account you can simply add it to Google Pay by confirming a few details, or you can add it in the app- it's as simple as snapping a picture. Simply unlock your phone and tap the app to use Google Pay at any of the over one million store locations throughout the US that accept contact-less payments.

Samsung Pay is available with LBS Financial Credit Cards only (we will be launching Samsung Pay for Debit Cards at a later time). Samsung Pay does not require a special reader--most every terminal will accept Samsung Pay once you set it up on your mobile device by scanning the reader.

To set up Samsung Pay, using your Samsung mobile device, swipe up from the home button. You may also select the Samsung Pay app icon from your home screen or app tray. To authorize payments you simply scan your fingerprint (or enter a PIN). Just hover your mobile device over the in-store reader to pay!

You will need an Apple Pay-supported device with an iOS 8.1 or newer operating system. Depending on the device, you will need to access the Wallet app or Wallet within Settings, then follow the instructions to add your cards. Once you have your LBS Financial Debit or Credit Card set up within the Wallet, just look for the Apple Pay symbol at checkout and hold your device near the contactless reader.

Each device has a different way to complete the transaction so please check the device's manual for instructions. In some cases, you may need to enter a passcode and sign a receipt. Keep your device by the reader until it indicates your payment was accepted.

Once you have your LBS Financial Debit or Credit Card set up, just look for the relevant Pay symbol at checkout and hold your device near the contactless reader.

Each device has a different way to complete the transaction so please check the device's manual for instructions. In some cases, you may need to enter a passcode and sign a receipt. Keep your device by the reader until it indicates your payment was accepted.

Money Market

You can check your balance 24/7 days week by using our automated phone banking, HomeTeller. You can also speak to one of our representatives during normal business hours.

The routing number and transit number for LBS Financial is 322276855.

Motorcycle Loans

When LBS Financial obtains your credit score during the pre-approval process, the Credit Union will determine your loan rate based on your past financial history and credit. Take note that the Credit Union must obtain your credit report personally; they will not accept copies of credit reports from third parties.

Give us a call and we will tell you the payoff amount.

We process most applications within one business day. Applications received over the weekend or holidays are processed the next business day. You may check your status by calling us.

You have options. You can use our Mobile or Online Banking services to pay from one of your accounts at LBS Financial. Use Mobile Deposit within Mobile Banking to take a picture of a check from your other financial institution and apply to your loan payment here. You can also transfer money from another financial institution using LBS Autopay or a number of Bill Pay services from other financial institutions. Mail us a payment or call and pay by phone, just keep in mind there are fees for paying by phone.

Online Banking

Yes, you can export your account information from Online Banking into Quicken. Just click on History from our menu, then select the account for which you would like to view in the drop down. Click on the Export button above the history information to export to Quicken or a CSV, Excel, or OFX file.

There are no limits on how often you can use Online Banking. Visit Online Banking as often as you like.

There are no limits on transfers from LBS Financial Checking accounts or lines of credit. However, Federal Regulation D limits the number of electronic transfers from Savings accounts to a maximum of six per month. This maximum includes transfers made via electronic methods, such as HomeTellerOnline Banking , and through our Call Center.

Yes, joint owners can access the account and we encourage them to enroll separately.

Online Banking is available 24 hours a day/7 days a week. If you need to talk with an LBS Financial representative regarding Online Banking, someone will be available to help you during normal business hours. You may also submit a Secure Message to us through Online or Mobile Banking and we will respond during business hours.

Please submit a Secure Message through Online or Mobile Banking, or call us at 800.527.3328 during normal business hours.

In Online Banking, click on History and click on your Checking account. Enter the check number in the search box under Transaction History. You may also find the checks within the history on your account and click on the check icon to view. If you are signed up for eStatements you may also view your checks directly from the eStatement.

From Online Banking, you can print your account history directly from the History page by clicking on the print button. By opting-in to eStatements, you can also print your statements as needed.

 

Repeating or recurring transfers are automatic transfers of the same amount of money, from one account at LBS Financial to another account. For example, from your Checking account to your auto loan or home loan. You do not have to re-enter a new transfer each month. They are a great way to make sure you never miss a monthly payment or savings goal.

These transfers can be scheduled for a variety of frequencies, including: daily, weekly, monthly, and annually.

To set up a repeating transfer, click on the “Make a Transfer” button in the left toolbar of Online Banking. Select the account you want the money to come from, and then where you want the money to go to. Enter the amount, and then select "Repeating Transfer" and submit.

In Online Banking, click on "Transfers and Payments" and "Make a Transfer". Choose the account you want to withdraw from and where you want to send the money to. If you are sending to another Member, select "Another Member" under where the money is going, and enter their account number and last name. Enter the amount and submit.

Person-to-Person Payment Service

There is a minimal fee for each transaction. See our current Fee Schedule under Other Fees, Person-to-Person Payments for fee information.

To access PayPal within Online Banking, simply login and select "Make a Transfer". Then choose "Any Phone or Email" to set up a new PayPal Payee and send money. PayPal is also available within our Mobile Banking app within the Send Money section.

Personal Loans

When LBS Financial obtains your credit score during the pre-approval process, the Credit Union will determine your loan rate based on your past financial history and credit. Take note that the Credit Union must obtain your credit report personally; they will not accept copies of credit reports from third parties.

Share Secured Loans Funds can be secured from one or more accounts and can be repaid in one lump sum in one year from borrowing (up to 90% of unencumbered shares) or you may make monthly payments for up to a 5 year** repayment period (up to 90% of unencumbered shares). For Share Certificate Loans, the term of the loan is determined by the maturity date of the certificate—the loan comes due at the same time the certificate matures.

Signature Loans have a maximum repayment period of 5 years*.

Depending on your credit and other factors, you can borrow up to $15,000.

You can borrow up to 90% of the value of your savings account or share certificate. For example, let's say you have a savings account with us with $5,000. Then, your maximum loan would be $4,500.

Phone Banking

Call LBS Financial for assistance. As you become familiar with the sequence for the transactions, you'll enjoy the convenience of banking from your phone using HomeTeller, a FREE service brought to you by LBS Financial Credit Union!

These are the suffixes we use:

Suffix (Sub-Share) Guide

Your CU Account Number - followed by:

  • 0 - Regular Shares
  • 1 - Holiday Club
  • 2 - Vacation Club
  • 3 - Special Savings
  • 4 - Special Savings
  • 5 - IRA Savings
  • 6 - Money Market
  • 7 - Escrow/Impound
  • 8 - Checking
  • 9 - Checking

Open-end Loan Suffixes

Your CU Account Number followed by:

  • 92 - LBS Financial Classic Visa
  • 94 - LBS Financial Classic Visa
  • 95 - LBS Financial Gold Visa
  • 98 - Primo Home Equity Line of Credit
  • 99 - Primo Home Equity Line of Credit

First, give us a call at 800.527.3328 and press 1. You'll be greeted with prompts to help you know where to go next. Here's some helpful tips for navigation:

  • Whenever you enter a monetary amount, the decimal point is replaced by an asterisk * — so, $25.00 becomes 25*00 when using HomeTeller.
  • When you want to end your call, just enter *# or say "goodbye" and wait for HomeTeller to assign your call a confirmation number. Be sure to record your confirmation number and refer to it if you have any questions concerning that call. You can change your Personal Identification Number for HomeTeller easily by entering the Transaction Code "PIN" or saying "Change PIN" and entering or saying a new PIN number when prompted.
  • While on the line with HomeTeller, it is simple to change to another Credit Union Account Number (Transaction Code RAN or say "Re-enter Account Number"). If you have multiple Credit Union Accounts, be sure to sign up for HomeTeller Service for each account.

Pop Money

The money will be received by your recipient within one business day.

Powersports Loans

When LBS Financial obtains your credit score during the pre-approval process, the Credit Union will determine your loan rate based on your past financial history and credit. Take note that the Credit Union must obtain your credit report personally; they will not accept copies of credit reports from third parties.

Fill out an online application, or come see us at any branch.

We process most applications within one business day. Applications received over the weekend or holidays are processed the next business day. You may check your status by calling us.

Yes. On time payments mean a higher credit score. LBS Financial reports borrower, co-borrowers, guarantors, and co-signers payment habits to all three major credit bureaus: Experian, Equifax and TransUnion.

You have options. You can use our Mobile or Online Banking services to pay from one of your accounts at LBS Financial. Use Mobile Deposit within Mobile Banking to take a picture of a check from your other financial institution and apply to your loan payment here. You can also transfer money from another financial institution using LBS Autopay or a number of Bill Pay services from other financial institutions. Mail us a payment or call and pay by phone, just keep in mind there are fees for paying by phone.

Re-order Checks

Please call the Credit Union at 800.527.3328 or visit a branch to order your first box of checks.

The routing number and transit number for LBS Financial is 322276855.

RV & Boat Loans

When LBS Financial obtains your credit score during the pre-approval process, the Credit Union will determine your loan rate based on your past financial history and credit. Take note that the Credit Union must obtain your credit report personally; they will not accept copies of credit reports from third parties.

Fill out an online application.

Savings Accounts

If you work at a local school or college, you are eligible for a Summer Savings account. You can set aside up to $2,000 per month from your paycheck and earn a truly fantastic rate. You'll need to have direct deposit set up to use this account and all contributions must come from your payroll⁠—just contact us to get started.

If you have an account with us, your routing number is 322276855.

We will send monthly paper statements or eStatements for Members with checking accounts. If you do not have a checking account, you will receive quarterly paper statements or eStatements unless you make electronic withdrawals or deposits (ACH) or have ATM activity associated with this account in a given month. Then we will send you a monthly statement.

You are welcome to request a free ATM card for this account. Certain qualification requirements may apply.

Yes. Because of Regulation D restrictions, the following transactions or combination of transactions to another Credit Union account of yours or third party account are limited to six or fewer each month:

  • Automatic payments made via the ACH system (also known as pre-authorized electronic funds transfers) from your Share Savings accounts
  • Transfers made from Regular Share and Money Market accounts made via CU OnLine (not including loan payments)
  • Transfers to other deposit accounts within LBS Financial Credit Union
  • Transfers from Regular Share and Money Market accounts to a Checking account to cover NSF checks
  • Transfers from Regular Share and Money Market accounts made by telephone
  • Transfers to a third party by check, draft or debit card

Send Money

There are no limits on transfers from LBS Financial Checking accounts or lines of credit. However, Federal Regulation D limits the number of electronic transfers from Savings accounts to a maximum of six per month. This maximum includes transfers made via electronic methods, such as HomeTellerOnline Banking , and through our Call Center.

Repeating or recurring transfers are automatic transfers of the same amount of money, from one account at LBS Financial to another account. For example, from your Checking account to your auto loan or home loan. You do not have to re-enter a new transfer each month. They are a great way to make sure you never miss a monthly payment or savings goal.

These transfers can be scheduled for a variety of frequencies, including: daily, weekly, monthly, and annually.

To set up a repeating transfer, click on the “Make a Transfer” button in the left toolbar of Online Banking. Select the account you want the money to come from, and then where you want the money to go to. Enter the amount, and then select "Repeating Transfer" and submit.

In Online Banking, click on "Transfers and Payments" and "Make a Transfer". Choose the account you want to withdraw from and where you want to send the money to. If you are sending to another Member, select "Another Member" under where the money is going, and enter their account number and last name. Enter the amount and submit.

Share Certificates

If the term of the account is three (3) months or less, the penalty is equal to thirty (30) days of dividends.

If the term of the account is less than one (1) year, but longer than three (3) months, the penalty is equal to ninety (90) days of dividends.

If the term of the account is one (1) year or greater, the penalty is the amount equal to one hundred and eighty (180) days dividends.

If the amount withdrawn reduces the principal amount below the stated minimum, we will cancel your Share Certificate and the penalty will apply to the entire balance in the certificate account. The remaining funds will be transferred to your Share Savings account.

The best way to earn the most while always freeing up some of your funds is through Certificate Laddering. Laddering is a strategy that lets you take advantage of higher dividend rates and keep your money more readily accessible.

Say you have $10,000 to invest in Share Certificates. Put $2,500 each into Share Certificates that mature in 6, 12, 18 and 24 months. Six months later, your first Share Certificate matures, yielding you $2,500 plus dividends earned. If you need the money, you cash in. If you don't, you reinvest in a new 24 Month Share Certificate at a higher dividend rate.

At 12 months, another Share Certificate matures. Again, if you don't need the money, you reinvest in a new 24 Month Share Certificate.

By the end of 24 months, all your money is earning at the 24 month rate. Yet a Share Certificate matures each 6 months, so you can tap into the cash if you need it. If you prefer to tie up your money for longer time spans, you could invest in one, two, three, and five year Share Certificates.

You can check your balance 24/7 days week by using our automated phone banking, HomeTeller. You can also speak to one of our representatives during normal business hours.

The routing number and transit number for LBS Financial is 322276855.

Teen Savings & Checking (Age 13-17)

Membership in the Credit Union requires a main savings account. The Teen Savings account is required and must be opened first, as it acts as the Membership account. Opening the checking account is optional.

No. Youth and Teen accounts must be opened at a branch only with the parent/legal guardian present.

Yes. For our Teen Savings account, it is $5, plus a one-time membership fee of $1 (per Member on the account). For Teen Checking, there is a $20 opening deposit (no minimum balance thereafter).

You will need your child's birth certificate, school ID, or California State ID, as well as their social security number. Bring a minimum deposit of $7 ($1 one-time Membership fee per Member on the account and $5 minimum deposit). Parent/guardian must be a joint owner on the account and will also need to bring their government-issued ID and social security number.

Vehicle Loans

When LBS Financial obtains your credit score during the pre-approval process, the Credit Union will determine your loan rate based on your past financial history and credit. Take note that the Credit Union must obtain your credit report personally; they will not accept copies of credit reports from third parties.

If you purchased your vehicle from a dealership, please contact that dealership directly to determine the status of your registration. The dealership is responsible for completing and filing the paperwork necessary for properly registering your vehicle.

If you purchased your vehicle from a private party, please contact the DMV Services Department of the Credit Union.

To initiate a name change, please visit any branch of the Credit Union or contact the DMV Services Department of the Credit Union.

Titles are issued by the State of California DMV, typically within 7 to 10 business days after the date the lien is released by the Credit Union. NOTE: The Credit Union may not release its lien interest in a vehicle for up to 10 days to allow for a check to clear, etc. If an appropriate amount of time has passed and you have not yet received your title, please contact the DMV Services Department of the Credit Union.

Before the Credit Union can release its lien interest in a vehicle, the loan which is secured by the vehicle must be paid in full, including any additional fees and charges (if any). To obtain an immediate release of the Credit Union's lien, the loan must be paid with cash or a Cashier's Check. Upon release of the Credit Union's lien we can issue a Lien Satisfied form which can be used to transfer title to the vehicle. The actual title will be issued by the DMV (see question above).

Title, registration and lien issues vary greatly from state to state. You should contact the Department of Motor Vehicles in your new state of residence to determine what forms may be needed to properly register the vehicle and record the Credit Union's lien. Once you have identified what needs to be done, please contact the DMV Services Department of the Credit Union at 800.527.3328, we will be more than happy to assist you with this process.

You may request a Lien Satisfied for a loan that has been paid in full by contacting the DMV Services Department of the Credit Union at 800.527.3328.

As a major auto lender, the Credit Union participates in the State of California, Department of Motor Vehicles (DMV) paperless title system. This means the Credit Union never holds a physical paper title to secure your loan but rather the lien is recorded electronically with the DMV. When your loan has been paid in full, the Credit Union releases its lien electronically which causes the DMV to issue a paper title which is mailed to the last address of record as known by the DMV. If you changed your address and have not updated the DMV, you may experience a delay in receiving your title. Mailing time for the DMV is typically 7 to 10 business days after the date the lien is released by the Credit Union. NOTE: The Credit Union may not release its lien interest in a vehicle for up to 10 days to allow for a check to clear, etc.

Please call us to get your pay off amount.

The Credit Union requires that all collateral used to secure a loan be properly insured at all times during the life of the loan. Any lapse in coverage, or insufficient coverage, will cause the Credit Union to purchase insurance on your behalf to protect the collateral. We will add the cost of that coverage to the outstanding loan balance, generally resulting in higher monthly payments. If you feel that insurance has been added in error please contact our insurance monitoring department at 800.422.4223 extension 1010. Please keep in mind that any insurance added to your loan is designed to protect ONLY the collateral and does not include personal liability coverage.

Visa Credit Card

If a suspicious transaction occurs on your card, you will be notified right away.

How will you contact me?

We'll send you a SMS text first (if you have a mobile phone number on file), followed by phone calls to the numbers we have on file for you (including mobile, home and work). If you have not responded, we will then email you.

Emails and texts are sent 24 hours a day, 7 days a week. Phone calls will take place between the hours of 8 am and 9 pm, in your specific time zone.

After hours, a text will be sent, followed by an email. A temporary block may be placed when necessary, and a detailed report fraud report sent to LBS Financial.

We encourage you to make sure your contact info is up to date! If you have any questions or want to update your information, call 800.527.3328.

Yes! No matter how you pay, Visa has you covered with zero liability. Visa’s Zero Liability Policy is our guarantee that Visa cardholders won’t be held responsible for unauthorized charges made with their account or account information.

How it works: Visa chip cardholders can shop worry-free at millions of locations

The cardholder reviews their monthly statement and immediately reports any unauthorized charges to their financial institution.

Once reported, Visa’s Zero Liability Policy requires their financial institution to investigate and resolve things quickly.

Our LBS Financial chip credit cards work everywhere Visa is accepted including:
Chip-activated terminals
Chip cards offer the greatest security when inserted into a chip-activated terminal.
Terminals that are not chip-activated
You may continue to use your card by swiping, because chip cards still have a magnetic stripe on the back.
Online
You may also continue to make online purchases by entering the card number or selecting the card during the checkout process if the card is already on file with that merchant.
ATMs
Chip cards are still accepted at the ATMs you have been using.

Chip cards let you pay with confidence. Every time a chip card is used at a chip-activated terminal, a unique one-time use code is generated for the transaction to be approved. This feature is virtually impossible to replicate in a counterfeit card.

LBS Financial's Visa card accounts come with a 25 day grace period, but it is for purchases only. If you have a cash advance balance, it is subject to interest immediately. If you did not pay your balance in full within the 25 day grace period, you would also be assessed interest.

For example, if the statement is dated April 30, your payment for the total balance would need to be posted on or before May 25 of the same year in order to avoid interest on your purchases.

There is no Cash Advance fee. However, there is no grace period before interest begins to accrue.

Visa Debit/ATM Card

If a suspicious transaction occurs on your card, you will be notified right away.

How will you contact me?

We'll send you a SMS text first (if you have a mobile phone number on file), followed by phone calls to the numbers we have on file for you (including mobile, home and work). If you have not responded, we will then email you.

Emails and texts are sent 24 hours a day, 7 days a week. Phone calls will take place between the hours of 8 am and 9 pm, in your specific time zone.

After hours, a text will be sent, followed by an email. A temporary block may be placed when necessary, and a detailed report fraud report sent to LBS Financial.

We encourage you to make sure your contact info is up to date! If you have any questions or want to update your information, call 800.527.3328.

Yes! No matter how you pay, Visa has you covered with zero liability. Visa’s Zero Liability Policy is our guarantee that Visa cardholders won’t be held responsible for unauthorized charges made with their account or account information.

How it works: Visa chip cardholders can shop worry-free at millions of locations

The cardholder reviews their monthly statement and immediately reports any unauthorized charges to their financial institution.

Once reported, Visa’s Zero Liability Policy requires their financial institution to investigate and resolve things quickly.

Chip Cards let you pay with confidence. Every time a chip card is used at a chip-activated terminal, a unique one-time use code is generated for the transaction to be approved. This feature is virtually impossible to replicate in a counterfeit card.

To reset your Debit Card PIN, please call 866.762.0558 from your primary home phone on your account. For ATM Cards, bring your ATM Card with photo ID to any of our branches to re-PIN.

You can use ATMs at any of our LBS Financial branches for free, as well as CO-OP® ATMs or F&M Bank ATMs. Find an ATM.

Please contact us for more information.

Once authorization has been received, a stop cannot be made. However an affidavit may be filled out if there are fraudulent charges. Contact us for more information.

Depending on your account balance, you may use your LBS Financial Debit Card to withdraw up to $500.00 within any 24-hour period from an ATM. Regular purchases are limited to a maximum of $2,000.00 within any 24-hour period. Premier Members have increased limits.

Both cards let you withdraw money from an ATM, but our Debit Cards are also accepted at any merchant where you see the Visa symbol.

Youth Savings

For Youth Accounts (age 0-12), the parent/legal guardian on the account may get an ATM card (in their name) on the account*. The child cannot get an ATM card in their name until they turn 13 and have a Teen account.

No. Youth and Teen accounts must be opened at a branch only with the parent/legal guardian present.

In Online Banking, click on "Transfers and Payments" and "Make a Transfer". Choose the account you want to withdraw from and where you want to send the money to. If you are sending to another Member, select "Another Member" under where the money is going, and enter their account number and last name. Enter the amount and submit.

You can access all of your LBS Financial sub-accounts. If you have multiple accounts at the Credit Union, make sure to click on Link Memberships to bring in all accounts for which you are an owner. View our How to Link Memberships video.

You will need your child's birth certificate, school ID, or California State ID, as well as their social security number. Bring a minimum deposit of $7 ($1 one-time Membership fee per Member on the account and $5 minimum deposit). Parent/guardian must be a joint owner on the account and will also need to bring their government-issued ID and social security number.

Yes. Because of Regulation D restrictions, the following transactions or combination of transactions to another Credit Union account of yours or third party account are limited to six or fewer each month:

  • Automatic payments made via the ACH system (also known as pre-authorized electronic funds transfers) from your Share Savings accounts
  • Transfers made from Regular Share and Money Market accounts made via CU OnLine (not including loan payments)
  • Transfers to other deposit accounts within LBS Financial Credit Union
  • Transfers from Regular Share and Money Market accounts to a Checking account to cover NSF checks
  • Transfers from Regular Share and Money Market accounts made by telephone
  • Transfers to a third party by check, draft or debit card