FAQs

I want to see a copy of a check that I wrote. What do I need to do?

Copies of your checks may be viewed within Online or Mobile Banking. Log in to Online Banking to view a copy of your paid check. Within Online Banking, click on your Checking account from the History page and click on the check icon next to a transaction. If you have signed up for eStatements you can also click on a check within the statement to view. If you need check copies and prefer not to use our Online or Mobile Banking, you may visit one of our branches or call us. 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.

What are the fees associated with having an account?

View our current Fee Schedule to see all the fees associated with having an account.

What branch should I go to for a Notary Public?

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

What forms do I need to fill out if there are fraudulent transactions on my account?

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.

How do I change my mailing address?

Address changes can be completed by phone, in a branch, or by sending a secure message within Online and Mobile Banking.

What forms do I need to fill out to dispute a transaction on my account?

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.

What do I need to do if I want funds electronically credited or transferred to my account?

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.

What do I need to do if I want funds electronically withdrawn or debited from my account?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.

How do I place a stop payment on a check that I wrote?

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. View our Fee Schedule to see the current Stop Payment fee.

How do I order checks?

Checks can be ordered within Online and Mobile Banking, through Harland Clarke or by contacting us.

What are the steps I need to take to get a loan?

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

How do I get pre-approved?

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

How is my loan rate determined?

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.

How long does it take to get an answer on my loan request?

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.

How do I make a payment?

There are a variety of ways to make a payment towards your LBS Financial loan.

LBS EasyPay

Use our LBS EasyPay service to make one-time or recurring payments to your LBS Financial Consumer Loan from an account at another financial institution. There is no fee for this self-service payment channel and it can be accessed from any browser on a computer or mobile device. Access LBS EasyPay.

There’s no charge for this service.

Schedule Recurring Payments through Online Banking:

You may establish a recurring transfer from your LBS Financial account to your LBS Financial loan. Log in to Online Banking to set up your automatic transfer.

There’s no charge for this service.

External Transfers

Transfer money from an account outside the Credit Union to your LBS Financial Savings or Checking account using Online and Mobile Banking, then transfer money to pay your loan from your LBS Financial account.

There’s no charge for this service.

Make a Payment by Phone

For a minimal fee, you may make a payment from another financial institution to your LBS Financial Credit Union loan by calling 866.923.6404. View our Fee Schedule. You may also call 800.527.3328 to make a payment from your LBS Financial account to your LBS Financial loan at no cost to you.

In Person:

Visit one of our eight branches or any CO-OP Shared Branch in the United States to drop off your payment. Find a branch or ATM.

Mail:

You may pay by mail by sending your check, along with a loan payment coupon or the remittance portion of your monthly billing statement (depending on the type of loan you have) to:

LBS Financial Credit Union
P.O. Box 4860
Long Beach, CA 90804-0860

What happens when I pay off my loan?

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.

Do my loan payment habits affect my credit score?

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.

How do I file a claim for my Debt Protection coverage?

In your time of need, our claims process is quick and easy. If you elected payment protection on your loan, you can use this convenient claims process to quickly and easily file your claim.

To begin, please fill out a claim form. If you prefer, call 800. 621.6323 to begin the process and a CUNA Mutual Group Claims Specialist will guide you through the process.

CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and affiliates. Payment protection products include debt protection products available through the Credit Union.

Do you offer Zelle?

Zelle is a fast, safe and easy way to send and receive money with people you trust. We are not a Zelle partner institution, but our debit cards can work with Zelle when the other financial institution is a partner. Refer to our Zelle Guide on how to add your LBS Financial Debit Card on Zelle.

I’m not enrolled in Bill Payment. How do I sign up?

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.

What happens if I do not have the funds available in my account to pay the bill?

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.

Does our existing overdraft protection work for the Bill Payment feature?

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 or Money Market to back up your Checking account. Contact the Credit Union to set up your overdraft protection.

What are E-Bills? How do I sign up for them?

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.

What do I do with the part of the invoice or bill that I usually send back to the payee with my check? Does the payee need that to process my payment?

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.

What do I do if the intended payee never receives my payment?

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.

What is a recurring payment?

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

Can I cancel or change a scheduled payment?

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.

How far in advance can I schedule a payment? How fast are payments delivered to my payees?

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

My ATM or debit card is lost/stolen. Who do I call after normal business hours?

Call us at 800.527.3328 and press 2 for ATM and debit card. Then press 1 for lost/stolen.

Is there a minimum opening deposit?

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).

How will I get statements for this account?

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.

How do I open this account?

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

Why did I receive a new Onshore or Platinum Rewards Credit Card with a new card number in March 2023?

LBS Financial Credit Union went through a conversion affecting all of our credit cards (moving our credit cards from an older system to a new system). As part of this process, we created new product names/designs and offered new benefits. We did have to issue new card numbers for every Member due to the conversion from one system to another. Members can activate and use their new contactless credit card starting March 26, 2023.

Do I have to update my new card number with every merchant?

We encourage you to check the card numbers and expiration dates you have on file with every merchant to ensure your payments continue smoothly. Some merchants are able to update the card number automatically (once your new card is activated), but there may be some that require you to make a manual update.

I am signed up for credit card eStatements, but I’m no longer seeing them within eDocuments.

New credit card eStatements can be accessed within the Credit Card Center in Online & Mobile Banking. Older eStatements can still be accessed within the eDocuments section of Online & Mobile Banking (for up to 18 months from statement date).

What will happen to my Visa Gold Credit Card Points?

A black out period occurred between March 24th through March 25th (no new points earned during this time). On Thursday, March 23, 2023 all remaining Visa Gold Points were paid to your Share Savings account. On March 26, 2023, Members should activate their new Platinum Rewards Credit Card and can take advantage of the new rewards program.

I use Mobile Wallet (Apple Pay, Samsung Pay, Google Pay) for my current LBS Financial Credit Card. Will this be updated automatically?

No. You will need to add your new Onshore or Platinum Rewards Credit Card to your Mobile Wallet on or after March 27, 2023.

When will I receive my E-Bills each month?

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.

How will I know when there’s a new E-Bill to pay?

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.

Will I still receive a paper bill in the mail if I’m set up for E-Bills?

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.

What are E-Bills? How do I sign up for them?

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.

What types of notices are available electronically?

Statements, tax documents, billing notices, and eNotices (Share IRA and Share Certificate disclosures and maturity notices) are currently available within eStatements. You can choose which ones you prefer to remain paper or make them all electronic!

Will I still get a paper statement in the mail?

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.

How do I access eStatements?

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.

How do I apply for a Home Equity Line of Credit with LBS Financial?

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.

What is the difference between a Home Equity Loan and a Home Equity Line of Credit (HELOC)?

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.

How much cash can I get out of my home equity?

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

How do I apply for a Home Equity Loan with LBS Financial?

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.

What is the difference between a Home Equity Loan and a Home Equity Line of Credit (HELOC)?

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.

How much cash can I get out of my home equity?

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

What’s the difference between Home Equity Loans and Refinance Loans?

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 your home's equity as determined by the current value and less any existing liens on the property.
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 80% 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.

What are the options for making a mortgage payment?

There are 5 easy ways to make your home loan payment

From your LBS Financial Savings or Checking account – Payments can be made using the transfer option within Online Banking or Mobile Banking. Please note that money will be immediately debited from your LBS Financial Savings or Checking account and applied to your mortgage loan later that evening, if set up before 8 p.m. If set up after 8 p.m., the money will still be immediately debited from your account but will not be applied to your mortgage loan until after 8 p.m. the next business day.
From an Account at Another Financial Institution- Located in the Mortgage Center section of Online Banking or Mobile Banking.
Electronic Payments Set Up by the Credit Union- Set up your recurring transfers to withdraw funds on the 1st, 5th, 10th, or 15th of the month. You must complete the Authorization Agreement for Automatic Mortgage Payments form at any branch or contact our Call Center at 800.527.3328.
Call Us- Contact our Call Center at 800.527.3328 to make a payment by phone.
Mail Us Your Payment- Mail us your payment each month to: LBS Financial Credit Union, P.O. Box 4860, Long Beach, CA 90804

How do I get started?

Visit the Home Loans section of our website for details about the products and services we offer. We offer online pre-approvals, rates and detailed information within this section and our Mortgage Web Center.

How do I apply for a Home Loan with LBS Financial?

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 a loan expert at one of our branches.

What happens at the closing meeting?

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:

The respective closing agent reviews the settlement sheet with you.
You sign all loan documents.
You then present a cashier's check or wire funds to pay closing costs (if applicable).
If your monthly payments are to include property taxes and insurance, a new escrow account (or reserve) is opened when the loan is funded.
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 Closing Disclosure.

When do I pay my closing costs?

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 or wired funds only.

When does my loan actually close?

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.

Where can I take a First Time Home Buyers test?

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.

What type of Mortgage Loan is right for me?

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 mortgage payment 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

What is PMI (Private Mortgage Insurance)?

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.

How much are property taxes?

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.

When does my refinance loan actually close?

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.

What type of documentation do I need for refinance?

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

Is it a good idea to order my credit report before applying?

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.

What loan choices do I have for refinancing?

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.

How can I lower my interest rate and/or monthly payments?

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.

What are the types of costs associated with refinancing a First Mortgage?

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.

Can I consolidate my first and second mortgages?

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!

Can I use that cash to consolidate my debts?

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.

What’s the difference between Home Equity Loans and Refinance Loans?

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 your home's equity as determined by the current value and less any existing liens on the property.
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 80% 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.

What does it mean to refinance a home? Why should I do it?

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.

Does this account come with a Debit Card?

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

What is my routing number?

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

How will I get statements for this account?

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.

What is the minimum amount I can deposit into an IRA Share Certificate?

Can I add additional funds to my IRA Share Certificate?

I want to check my balance, but I don’t have access to a computer or a branch right now. What should I do?

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.

What is my routing number/transit number?

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

Do you offer Zelle?

Zelle is a fast, safe and easy way to send and receive money with people you trust. We are not a Zelle partner institution, but our debit cards can work with Zelle when the other financial institution is a partner. Refer to our Zelle Guide on how to add your LBS Financial Debit Card on Zelle.

Does my credit score go down after signing up for SavvyMoney to see my credit score and credit report?

Viewing your credit report and credit score within the Credit Score feature does not impact your credit score. For more details on how other actions can impact your credit score, please explore the options within SavvyMoney, including the Score Simulator and Resources tab.

What is SavvyMoney?

The SavvyMoney Credit Score feature available in Online and Mobile Banking gives Members free access to their credit score, credit report, and other tools to help them make smarter credit choices and save money.

Members have access to resources such as:

Comprehensive credit score analysis
Daily credit score updates
Full credit report
Monitoring and alerts
Personalized offers
Score simulator
Educational articles
Credit Goals

How do I sign up for SavvyMoney?

Members can sign up within Online or Mobile Banking by clicking on either the “Show my Score” button (Online) or the “Credit Score” menu item (Online or Mobile) and following the prompts and agreeing to the terms provided. Please note, an email address is required for access to this feature.

How do I transfer funds in Mobile Banking to an account I own at another financial institution?

The initial set-up of an external account must first happen within Online Banking. Open the "Transfers & Payments" section and select “External Transfers” in Online Banking and then select “Add new payee.” Verify and enter requested external account information, then click “Link account.”

Within two business days, there will be two small deposits under $1 in your external account. When you see these transactions, return to “External Transfers” on your LBS Financial account to confirm the amounts. You will now be able to transfer money to and from your external account by selecting it on the “Make a Transfer” page in Online Banking or by clicking “Transfer” in the Mobile Banking app.

Can I access my account on an Apple Watch?

Yes! Just download our app from the App Store!

What is 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.

What services can I access with Mobile Banking?

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, and pay bills.

Is Mobile Banking secure?

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.

What does it cost to use LBS Financial Mobile Banking?

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.

How do I set up Apple Pay on my phone?

Both LBS Financial Debit and Credit Cards work with Apple Pay.

First you must be using an eligible iOS device
Go to Wallet and tap on +
Follow the steps to add a new card.
Tap Next. You may receive a one-time PIN or may be prompted to contact the Credit Union for activation. When you have the information, go back to Wallet and tap your card.
After the Credit Union verifies your card, tap Next.
Start using your LBS Financial card directly from your phone to pay!

For more specific steps by device, visit the Apple website.

How do I use Apple Pay?

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 double click the side button to authenticate with Face ID (or rest your finger on the Touch ID or enter your PIN) and hold your device near the contactless reader.

For more detailed instructions, visit the Apple website.

How do I set up Samsung Pay on my phone?

Samsung Pay is available with LBS Financial Credit Cards and Debit Cards

Samsung Pay is usually preloaded on Samsung Devices. If not, install from the Google Play store.
Once installed, tap Get Started. Enter a new PIN for Samsung Pay, and then enter it again to confirm.
Within the app, tap Menu in the top left corner , then tap Cards.
Tap Add card and then tap Add credit/debit card.
Follow the on-screen instructions to register your card.
Agree to the card's terms and conditions.
You will be prompted to call the Credit Union to complete the activation.

For more specific steps by device, visit the Samsung Website.

How do I use Samsung Pay?

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 hold your mobile device over the in-store reader to pay!

How do I set up Google Pay on my phone?

Google Pay works with LBS Financial Debit and Credit Cards on both Android and iOS devices.

Download the Google Pay app from the Google Play or Apple Store.
Once installed, open the Google Pay app .
At the bottom, tap Payment.
Select a card or payment account.
Tap Set up in-store payments. You may need to enter the expiration date and CVC on the back of your card. You will be prompted to call the Credit Union for the initial activation.

For more specific steps, visit the Google Pay website.

How do I use Google Pay?

Once you have your LBS Financial Debit or Credit Card set up within Google Pay, look for the contactless or Google Pay symbols at checkout. Turn on your phone screen, and then unlock your phone. You do not need to open the Google Pay app. Hold the back of your phone close to the payment reader for a few seconds. If prompted, follow instructions on your screen (may occur at stores with older software).

For more detailed instructions, visit the Google Pay website.

I want to check my balance, but I don’t have access to a computer or a branch right now. What should I do?

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.

What is my routing number/transit number?

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

How is my loan rate determined?

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.

How long does it take to get an answer on my loan request?

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.

How do I make a payment?

There are a variety of ways to make a payment towards your LBS Financial loan.

LBS EasyPay

Use our LBS EasyPay service to make one-time or recurring payments to your LBS Financial Consumer Loan from an account at another financial institution. There is no fee for this self-service payment channel and it can be accessed from any browser on a computer or mobile device. Access LBS EasyPay.

There’s no charge for this service.

Schedule Recurring Payments through Online Banking:

You may establish a recurring transfer from your LBS Financial account to your LBS Financial loan. Log in to Online Banking to set up your automatic transfer.

There’s no charge for this service.

External Transfers

Transfer money from an account outside the Credit Union to your LBS Financial Savings or Checking account using Online and Mobile Banking, then transfer money to pay your loan from your LBS Financial account.

There’s no charge for this service.

Make a Payment by Phone

For a minimal fee, you may make a payment from another financial institution to your LBS Financial Credit Union loan by calling 866.923.6404. View our Fee Schedule. You may also call 800.527.3328 to make a payment from your LBS Financial account to your LBS Financial loan at no cost to you.

In Person:

Visit one of our eight branches or any CO-OP Shared Branch in the United States to drop off your payment. Find a branch or ATM.

Mail:

You may pay by mail by sending your check, along with a loan payment coupon or the remittance portion of your monthly billing statement (depending on the type of loan you have) to:

LBS Financial Credit Union
P.O. Box 4860
Long Beach, CA 90804-0860

How do I file a claim for my Debt Protection coverage?

In your time of need, our claims process is quick and easy. If you elected payment protection on your loan, you can use this convenient claims process to quickly and easily file your claim.

To begin, please fill out a claim form. If you prefer, call 800. 621.6323 to begin the process and a CUNA Mutual Group Claims Specialist will guide you through the process.

CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and affiliates. Payment protection products include debt protection products available through the Credit Union.

How do I find out how much I still owe on my loan?

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

How do I sign up for Online Banking?

Do I need to enroll?

Yes. Visit our home page to enroll online by clicking on Sign Up near our login box. View our How to Enroll in Online Banking video.

What information do I need to enroll?

To access your account, you will need the following:

You must apply from the link in the Online Banking login box that says “Sign-Up”
Any type of computer, tablet, or mobile device that can access the Internet
An Internet Service Provider
A Web browser that meets our minimum specifications
Your LBS Financial account number
Your social security number
Your date of birth

Do I need any special software to use Online Banking?

Only the most current versions of Internet browsers are supported for security purposes. Online Banking should work with Microsoft Edge, Chrome, Firefox, and Safari. You may also choose to use our Mobile Banking by downloading one of our Mobile apps from the Apple or Google Play stores if you have a tablet or mobile device.

How secure is Online Banking?

Every Member has a unique user name and password. We recommend that you don’t share your user name and password with anyone.

Online Banking uses Multi-Factor Authentication (MFA) to verify your identity. When you access Online Banking from a new device, you will be sent a one-time PIN via email or text.

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

This security protects your use of all the products offered in Online Banking (Bill Payment and eStatements)

How do I add a note or image to my transaction history within Online Banking?

To add a note or image to your Online Banking history, first log in to Online Banking. From your dashboard, click on "History" on the left hand side. Make sure your view is set to “Expanded" and click on the pencil icon next to a transaction to add your note. Enter your text in the “Add note” box, then click on the check mark on the right to save. To add an image, click on the “Attach an image to the transaction” link below your transaction to upload the image from your device. You can upload a JPG, JPEG, or PNG image file. The maximum file size is 3 MB, and the photo must be at least 640 x 480 pixels.

Do you offer Zelle?

Zelle is a fast, safe and easy way to send and receive money with people you trust. We are not a Zelle partner institution, but our debit cards can work with Zelle when the other financial institution is a partner. Refer to our Zelle Guide on how to add your LBS Financial Debit Card on Zelle.

Does my credit score go down after signing up for SavvyMoney to see my credit score and credit report?

Viewing your credit report and credit score within the Credit Score feature does not impact your credit score. For more details on how other actions can impact your credit score, please explore the options within SavvyMoney, including the Score Simulator and Resources tab.

What is SavvyMoney?

The SavvyMoney Credit Score feature available in Online and Mobile Banking gives Members free access to their credit score, credit report, and other tools to help them make smarter credit choices and save money.

Members have access to resources such as:

Comprehensive credit score analysis
Daily credit score updates
Full credit report
Monitoring and alerts
Personalized offers
Score simulator
Educational articles
Credit Goals

How do I sign up for SavvyMoney?

Members can sign up within Online or Mobile Banking by clicking on either the “Show my Score” button (Online) or the “Credit Score” menu item (Online or Mobile) and following the prompts and agreeing to the terms provided. Please note, an email address is required for access to this feature.

Will I be paying any fees?

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

How is my loan rate determined?

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.

How do I file a claim for my Debt Protection coverage?

In your time of need, our claims process is quick and easy. If you elected payment protection on your loan, you can use this convenient claims process to quickly and easily file your claim.

To begin, please fill out a claim form. If you prefer, call 800. 621.6323 to begin the process and a CUNA Mutual Group Claims Specialist will guide you through the process.

CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and affiliates. Payment protection products include debt protection products available through the Credit Union.

What is the term or repayment period on Secured Loans?

Share Secured Loan 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.

*A Share loan at 3.15% APR for 60 months will have a monthly payment of $18.01 per $1,000 borrowed or a $54.04 monthly payment based on an amount financed of $3,000.

What is the term or repayment period on a Signature Loan?

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

How much can I borrow with a Signature Loan?

Depending on your credit and other factors, you can borrow up to $30,000.

How much can I borrow with a Share or Certificate Secured Loan?

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.

Is there a fee to use HomeTeller?

No, this is a service provided to our Members free of charge.

What are the HomeTeller hours of operation?

HomeTeller is available 24/7. Just call 800.527.3328 and dial 1 for HomeTeller.

Can all account owners access HomeTeller? If so, is there only one set of credentials?

Yes, all account owners on an account can access HomeTeller. Each account will be enrolled with one set of shared credentials.

How do I reset my PIN for HomeTeller?

You may reset your PIN by pressing or saying “9” for Main Menu, “5” for More Options, then “2” to change PIN or you may contact the call center to request a temporary PIN.

How far back am I able to listen to my account history?

Each individual call to HomeTeller can retrieve up to the last 300 transactions in combination of debits, credits, payments and check history.

Can I make a mortgage payment using Phone Banking?

Yes, mortgage payments can be made by transferring funds within the same account number. Just give us a call at 800.527.3328 and dial 1 for HomeTeller. If you are not already set up for HomeTeller/phone banking, dial 0 for a call center representative.

Can I transfer to and from my Share Certificate?

Will HomeTeller provide a payoff quote for my loan?

No, the system will provide the principal balance only. However, the option to be transferred to a call center team member to obtain a payoff will be offered.

How do I make a loan payment from my third party financial institution?

You can make a payment to your consumer loan (vehicles, boats, credit cards, and Home Equity Loan) from your checking or savings account at another financial institution using LBS EasyPay online, over the phone by calling LBS Financial and selecting option 4 (see our Fee Schedule for current fees), or by using the External Transfers feature within Online & Mobile Banking (external transfers can be made into your LBS Financial Savings or Checking account then transferred to pay your LBS Financial loan).

Can I make a principal-only loan payment through HomeTeller?

No, only interest-bearing payments are able to be made through HomeTeller.

What are the steps I need to take to get a loan?

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

How is my loan rate determined?

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.

How long does it take to get an answer on my loan request?

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.

How do I make a payment?

There are a variety of ways to make a payment towards your LBS Financial loan.

LBS EasyPay

Use our LBS EasyPay service to make one-time or recurring payments to your LBS Financial Consumer Loan from an account at another financial institution. There is no fee for this self-service payment channel and it can be accessed from any browser on a computer or mobile device. Access LBS EasyPay.

There’s no charge for this service.

Schedule Recurring Payments through Online Banking:

You may establish a recurring transfer from your LBS Financial account to your LBS Financial loan. Log in to Online Banking to set up your automatic transfer.

There’s no charge for this service.

External Transfers

Transfer money from an account outside the Credit Union to your LBS Financial Savings or Checking account using Online and Mobile Banking, then transfer money to pay your loan from your LBS Financial account.

There’s no charge for this service.

Make a Payment by Phone

For a minimal fee, you may make a payment from another financial institution to your LBS Financial Credit Union loan by calling 866.923.6404. View our Fee Schedule. You may also call 800.527.3328 to make a payment from your LBS Financial account to your LBS Financial loan at no cost to you.

In Person:

Visit one of our eight branches or any CO-OP Shared Branch in the United States to drop off your payment. Find a branch or ATM.

Mail:

You may pay by mail by sending your check, along with a loan payment coupon or the remittance portion of your monthly billing statement (depending on the type of loan you have) to:

LBS Financial Credit Union
P.O. Box 4860
Long Beach, CA 90804-0860

Do my loan payment habits affect my credit score?

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.

How do I file a claim for my Debt Protection coverage?

In your time of need, our claims process is quick and easy. If you elected payment protection on your loan, you can use this convenient claims process to quickly and easily file your claim.

To begin, please fill out a claim form. If you prefer, call 800. 621.6323 to begin the process and a CUNA Mutual Group Claims Specialist will guide you through the process.

CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and affiliates. Payment protection products include debt protection products available through the Credit Union.

How do I order checks for the first time?

You may order through Online or Mobile Banking, call the Credit Union at 800.527.3328, or visit a branch to order your first box of checks.

What is my routing number/transit number?

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

How is my loan rate determined?

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.

How do I file a claim for my Debt Protection coverage?

In your time of need, our claims process is quick and easy. If you elected payment protection on your loan, you can use this convenient claims process to quickly and easily file your claim.

To begin, please fill out a claim form. If you prefer, call 800. 621.6323 to begin the process and a CUNA Mutual Group Claims Specialist will guide you through the process.

CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and affiliates. Payment protection products include debt protection products available through the Credit Union.

What’s the first thing I need to do to get a loan for a boat or RV?

Fill out an online application.

How do I add a nickname to my account?

You can add a nickname to your account within Online Banking. From the dashboard, click the down arrow next to your account name, then select the pencil icon to the left of your account name. Enter your nickname and click the check mark to save. You may also contact us by phone to make this request.

How do I open a Special Savings, Share Certificate, or Money Market account?

My ATM or debit card is lost/stolen. Who do I call after normal business hours?

Call us at 800.527.3328 and press 2 for ATM and debit card. Then press 1 for lost/stolen.

Who is eligible for a Summer Savings account?

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.

What is my routing number?

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

How will I get statements for this account?

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.

Does this account come with an ATM card?

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

Does my credit score go down after signing up for SavvyMoney to see my credit score and credit report?

Viewing your credit report and credit score within the Credit Score feature does not impact your credit score. For more details on how other actions can impact your credit score, please explore the options within SavvyMoney, including the Score Simulator and Resources tab.

What is SavvyMoney?

The SavvyMoney Credit Score feature available in Online and Mobile Banking gives Members free access to their credit score, credit report, and other tools to help them make smarter credit choices and save money.

Members have access to resources such as:

Comprehensive credit score analysis
Daily credit score updates
Full credit report
Monitoring and alerts
Personalized offers
Score simulator
Educational articles
Credit Goals

How do I sign up for SavvyMoney?

Members can sign up within Online or Mobile Banking by clicking on either the “Show my Score” button (Online) or the “Credit Score” menu item (Online or Mobile) and following the prompts and agreeing to the terms provided. Please note, an email address is required for access to this feature.

Do you offer Zelle?

Zelle is a fast, safe and easy way to send and receive money with people you trust. We are not a Zelle partner institution, but our debit cards can work with Zelle when the other financial institution is a partner. Refer to our Zelle Guide on how to add your LBS Financial Debit Card on Zelle.

Are there limits on the number of transfers I can make?

There are no limits on transfers from LBS Financial Checking accounts or lines of credit.

What is a repeating or recurring transfer and how do I set this up?

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.

How do I transfer funds to my other accounts or to another Member’s account at the Credit Union?

In Online Banking, click on "Transfers and Payments" and "Make a Transfer" or tap on "Transfer" within the Mobile Banking app. 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.

If you would like to transfer funds to an external account where you are an account owner, select “External Transfers” within Online Banking and then select “Add new payee.” Verify and enter requested external account information, then click “Link account.” Within two business days, there will be two small deposits under $1 in your external account. When you see these transactions, return to “External Transfers” on your LBS Financial account to confirm the amounts. You will now be able to transfer money to and from your external account by selecting it on the “Make a Transfer” page in Online Banking or by clicking “Transfer” in the Mobile Banking app.

What is the penalty if I withdraw funds before the certificate matures?

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.

How do I make the most of Share Certificates? I am afraid to tie up all my money for a long period of time.

I want to check my balance, but I don’t have access to a computer or a branch right now. What should I do?

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.

What is my routing number/transit number?

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

Can I just open a Teen Checking account without the savings?

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.

Can I open the account online?

Yes. If your youth or teen is not yet a Member (even if you are), you can open the account online. Accounts may also be opened at a branch with the parent/legal guardian present.

Is there a minimum opening deposit?

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).

What do I need to open an account?

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. If parent/guardian is already a Member, you will only need a minimum of $6 to open the account.

How can I make a payment to my loan at LBS Financial from a checking account at another institution?

By processing your payment using your checking account at another financial institution through our LBS EasyPay online service (no fees), Loan Payment by Phone service (view our fee schedule to see the fees for this service) or you may use your other financial institution's bill payer service.

What are the steps I need to take to get a loan?

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

How is my loan rate determined?

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.

How long does it take to get an answer on my loan request?

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.

How do I file a claim for my Debt Protection coverage?

In your time of need, our claims process is quick and easy. If you elected payment protection on your loan, you can use this convenient claims process to quickly and easily file your claim.

To begin, please fill out a claim form. If you prefer, call 800. 621.6323 to begin the process and a CUNA Mutual Group Claims Specialist will guide you through the process.

CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and affiliates. Payment protection products include debt protection products available through the Credit Union.

I financed my car with you and I haven’t received my registration?

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.

How do I change my name on my registration?

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

I didn’t get my title?

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.

I’ve sold my car. What do I need to do to let the Credit Union know?

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).

I’ve moved out of state. What do I do about registering my vehicle?

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.

When will my payment transferred from my LBS Financial account be posted to my credit card?

Due to the conversion to a new system for credit cards, there is a delay in the timing of when your payment will be applied to your credit card. Transfers from LBS Financial accounts to credit cards are withdrawn from your shares immediately and may take 1-2 business days to be reflected on your credit card balance. Payments made after 2:00pm Pacific Time will be processed on the following business day. Continued improvements to the payment process will be coming in the near future.

Are there fees for credit card cash advances and balance transfers?

There is no Cash Advance fee or Balance Transfer fee, but interest is assessed at a different rate than purchases for each, and there is no grace period before interest begins to accrue. Learn more about rates and fees.

How do I make a payment on my credit card?

There are many options for making a payment to your LBS Financial Credit Card:

Credit Card Center in Online & Mobile Banking: Make a one-time, scheduled, or recurring payment through Online or Mobile Banking. Once enrolled and logged in to Online or Mobile Banking, select Credit Card Center from the menu. You may select your financial institution from the list within the Credit Card Center to make your payment from and connect your account by entering your online or mobile banking credentials, or you can manually enter your financial institution information along with your account number and routing number. The Credit Card Center is the most feature-rich payment option and includes the ability to make recurring payments of your statement balance, minimum payment, and more.
Transfers within Online & Mobile Banking: Make a one-time or scheduled payment through Online or Mobile Banking using the Transfers feature. Once enrolled and logged in to Online or Mobile Banking, select Transfers & Payments from the Online Banking Menu (Transfer from the Mobile Banking menu). You may select an account at the Credit Union to transfer funds. If you are transferring a payment to a credit card that does not appear within your Online & Mobile Banking, please select the transfer to “Another Member” option, entering the loan ID using the last four digits of the card number (such as L:1234). Transfers from LBS Financial accounts to credit cards are withdrawn from your shares immediately and may take 1-2 business days to be reflected on your credit card balance. Payments made after 2:00pm Pacific Time will be processed on the following business day.
Bill Payment: Make LBS Financial your payee from your online bill pay at another financial institution. Make sure to use the following address for credit card payments only and include the last 4 digits of the card number in the account number field:

LBS Financial Credit Union
PO Box 37035
Boone IA 50037-0035

Mail Us Your Payment: Make sure to use the address below when you mail us a payment. To avoid any processing delays, please include the payment coupon with your check.

LBS Financial Credit Union
PO Box 37035
Boone IA 50037-0035

How do I sign up for Visa eStatements?

How do I access my credit card information in Online & Mobile Banking?

Log in to Online or Mobile Banking. Primary cardholders will be able to see credit card balances and transfer payments to credit cards. For account activities such as credit card eStatements, recent transactions, or setting up scheduled payments from an outside financial institution, click on the Credit Card Center feature within Online & Mobile Banking.

Why I am being charged interest on my credit card?

LBS Financial's Credit 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 March 28, your payment for the total balance would need to be posted on or before April 25 of the same year in order to avoid interest on your purchases.

How does a contactless card work?

Tap your credit or debit card on the terminal reader when it's time to pay. You do not need to swipe or insert the card. Just hover your card a few inches above the contactless symbol on the device.

How do I earn bonus points and rewards?

You can use your LBS Financial Credit Union Platinum Rewards Credit Card to earn points towards travel, merchandise, gift cards, and statement credits. Earn 1 point for every dollar spent.

For Members with a Platinum Rewards Credit Card: visit the Credit Card Center within Online or Mobile Banking and click on the Rewards site to view points and redeem. View test rewards website for examples of the rewards offered.

You can also call 888.245.5886 for help redeeming points and other inquiries.

My credit card is lost/stolen. Who do I call after normal business hours?

Call us at 800.527.3328 and press 3 for Visa Credit Card. Then press 1 for lost/stolen.

If there’s fraud on my card, how will you contact me?

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.

How does a contactless card work?

Tap your credit or debit card on the terminal reader when it's time to pay. You do not need to swipe or insert the card. Just hover your card a few inches above the contactless symbol on the device.

My ATM or debit card is lost/stolen. Who do I call after normal business hours?

Call us at 800.527.3328 and press 2 for ATM and debit card. Then press 1 for lost/stolen.

If there’s fraud on my card, how will you contact me?

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.

Am I covered if someone uses my debit card or credit card fraudulently?

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.

How do I reset my ATM or Debit Card PIN?

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.

What ATMs can I use for free?

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.

Can my Visa Debit Card or ATM Card limit be raised temporarily?

Please contact us for more information.

How can I stop a Debit/Credit Card transaction?

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.

What is the limit on my LBS Financial Debit Card?

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.

What is the difference between an ATM and a Debit Card?

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.

Can my child get an ATM card?

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

Can I open the account online?

Yes. If your youth or teen is not yet a Member (even if you are), you can open the account online. Accounts may also be opened at a branch with the parent/legal guardian present.

How do I transfer funds to my other accounts or to another Member’s account at the Credit Union?

In Online Banking, click on "Transfers and Payments" and "Make a Transfer" or tap on "Transfer" within the Mobile Banking app. 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.

If you would like to transfer funds to an external account where you are an account owner, select “External Transfers” within Online Banking and then select “Add new payee.” Verify and enter requested external account information, then click “Link account.” Within two business days, there will be two small deposits under $1 in your external account. When you see these transactions, return to “External Transfers” on your LBS Financial account to confirm the amounts. You will now be able to transfer money to and from your external account by selecting it on the “Make a Transfer” page in Online Banking or by clicking “Transfer” in the Mobile Banking app.

Which accounts can I access through Online Banking?

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.

What do I need to open an account?

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. If parent/guardian is already a Member, you will only need a minimum of $6 to open the account.

Accounts

Auto Loans

There are a variety of ways to make a payment towards your LBS Financial loan.

LBS EasyPay

​Schedule Recurring Payments through Online Banking:

External Transfers

​Make a Payment by Phone

In Person:

Mail:

Bill Payment

Checking

College Students

Coverdell ESA

Credit Card Conversion

E-Bills

eStatements

Home Equity Line of Credit

Home Equity Loans

Home Purchase

Home Refinance

Interest Checking

IRA Certificates

Mobile Banking

Mobile Wallet

Money Market

Motorcycle Loans

There are a variety of ways to make a payment towards your LBS Financial loan.

LBS EasyPay

​Schedule Recurring Payments through Online Banking:

External Transfers

​Make a Payment by Phone

In Person:

Mail:

Online Banking

Person-to-Person Payment Service

Personal Loans

Phone Banking

Powersports Loans

There are a variety of ways to make a payment towards your LBS Financial loan.

LBS EasyPay

​Schedule Recurring Payments through Online Banking:

External Transfers

​Make a Payment by Phone

In Person:

Mail:

Re-order Checks

RV & Boat Loans

Savings Accounts

SavvyMoney

Send Money

Share Certificates

Teen Savings & Checking (Age 13-17)

Vehicle Loans

Visa Credit Card

Visa Debit/ATM Card

Youth Savings

Schedule Recurring Payments through Online Banking:

Make a Payment by Phone

Schedule Recurring Payments through Online Banking:

Make a Payment by Phone

Schedule Recurring Payments through Online Banking:

Make a Payment by Phone