Account Changes

  • Add, Remove or Change Joint Owner

    • To change joint owner information, signatures and proper IDs are required for all owners of the account. This process can be completed in person by visiting any of our branch locations. If you are unable to visit a branch, please email [email protected] or call our Member Services Department at (616 or 800) 242-9790 to have the proper forms mailed or emailed to you.
  • Address Change

    • Your address can be changed inside of Online Banking by going to the 'Profile' tab and clicking on 'User Profile' after logging in. You can also change it in person at any of our branch locations.
  • Change Online Banking Username, Password or Security Image

    • Your password, username and security image can be changed by logging in to Online Banking and going to the ‘Profile’ tab, then clicking on 'User Profile' .

      If you do not remember your current username and/or password, you can visit any of our branch locations.
  • Change Phone Banking Access Code

    • You can change your Access code in Phone Banking by calling the automated system at 616-942-3360 OR 800-796-3360.

      On the phone keypad, enter your base account number as it appears on your statement, without the added preceding zeros and without any suffixes or ID's. The Access Code (password) is a four digit number. When you get to the Main Menu, press 6 for Additional Options and then listen for the prompt to change your Access Code. This can only be done if you are already registered for Phone Banking.

      If you cannot get into the Main Menu, please contact our Member Services Department at (616 or 800) 242-9790. Our staff would have to speak to you to make this change.
  • Change PIN on a Debit/ATM Card

    • The PIN on a Debit/ATM card can be changed inside of Online Banking. You do not need the current PIN to make this change.

      1. Log in to Online Banking.
      2. Click on ‘Debit RePIN’ on the right-hand side (under ‘Quick Links’) and follow the instructions.

      Your new PIN will be active after 15 minutes.

      Please note: LMCU staff members do not have the ability to see, or change your PIN.

      If you are not able to access Online Banking, we would be happy to assist you in person at any of our branch locations. You can also contact us at (616 or 800) 242-9790 to have a PIN reminder mailed to you.
  • Close Account

    • A signature from the primary account holder is required to close a checking account or the entire membership. An account can be closed in person at any of our branch locations. You can also fax or email your signed request. For further instructions, please call our Member Services Department at (616 or 800) 242-9790, send an email to [email protected], or connect with us on Live Chat during business hours.

      A sub savings account can be closed without a signature inside of Online Banking, by calling our Member Services Department at (616 or 800) 242-9790, via email request to [email protected], or via request on Live Chat. To close a sub savings within Online Banking please log in and click on the ‘Services’ tab then click on ‘Open or Modify Share’ (under Share Maintenance).
  • Convert Account to Max Checking

    • Any existing LMCU checking account can be converted to a Max Checking* account easily without changing your account number or requiring new checks or debit cards. You can convert your checking account to a Max Checking in the following ways:

      -By emailing [email protected]
      -By phone at (800) 242-9790
      -At any branch location
      -Directly within your Online Banking

      To convert your checking to a Max Checking within Online Banking, once you are logged in, click the "Services" tab, then click on "Open or Modify a Share" under the Share Maintenance section. Then select "Convert to Max Checking."

      Max Checking pays a great rate on balances up to $15,000 and offers a refund of up to $10 in ATM surcharge fees when the following account usage requirements are met each month:

      1. Direct Deposit into Max Checking
      2. 10 posted debit card or credit card purchases
      3. 4 logins to Online Banking
      4. Statements sent electronically ("eStatements")

      Requirements are evaluated each month at month-end. There is no penalty or fee if requirements are not met. If you have additional questions please contact Member Services at (616 or 800) 242-9790 or send an email to [email protected]

      *Only one primary Max Checking can be opened per Social Security number.
  • Courtesy Pay

    • Lake Michigan Credit Union provides Courtesy Pay to help you avoid returned checks and other types of denied transactions due to an insufficient available balance. Courtesy Pay may be used to help cover check and ACH transactions, BillPay items originated from online banking, as well as transactions that you make using your debit card. With Courtesy Pay, Lake Michigan Credit Union may pay the transaction for you even if you do not have sufficient available funds in your checking account. For this service, we will charge you a Courtesy Pay Fee of $30 per transaction occurrence, which will be deducted from your checking account. You do not have to sign up for Courtesy Pay to work for your paper checks, BillPay or electronic (ACH) items you originated from your checking account. However, you do have to OPT-IN if you want the protection of Courtesy Pay to apply to your everyday debit card transactions and ATM transactions. Courtesy Pay is offered at LMCU's discretion on accounts that are in good standing. We reserve the right to pay or not pay any item at our discretion when there are insufficient available funds in your checking account to cover the transaction. If you have any questions about this coverage, please stop by any Branch or contact our Member Services Department at (616 or 800) 242-9790.
  • Debit -ATM or Credit Card Does Not Work

    • If a Debit-ATM or Credit Card does not work when swiped at a Merchant, it is most likely worn out. It can lose the information in the magnetic strip for a variety of reasons, such as “wallet wear”. We can send you a replacement card by mail, with no change to the numbers or PIN, or you can visit a branch to be issued an instant replacement card.

      To request a card by mail, please contact our Member Services Department at (616 or 800) 242-9790, send an email to [email protected], or connect with us via Live Chat during business hours.

      You should expect that card in 7-10 business days. For an instant replacement card, please visit any of our branch locations with proper ID.
  • Debit Card Transaction Hold

    • When you sign for a purchase instead of entering your 4 digit PIN, the amount is submitted to the VISA system for authorization and is placed on hold on your account. The hold can be on your account for up to 72 hours. Funds on hold are deducted from your "Available Balance" and cannot be used for any other withdrawals that post during the hold time.

      When a purchase is completely processed, the hold will expire and the charge will post to your account. While a transaction is on hold, you may not see a full description of where it was made. Many times you will only see a generic corporate name or simply the address of the business. Once posted, the description will change to show the name of the company and the date the purchase was made. We cannot predict the post date or time of a transaction and a transaction cannot be cancelled or disputed while on hold.
  • Duplicate Debit Card Hold

    • When you sign for a purchase instead of entering your 4 digit PIN, the amount is submitted to the Visa system for authorization and is placed on hold on your account. The hold can be on your account for up to 72 hours.

      Occasionally you may see a duplicate hold for the same transaction. This may simply mean that the merchant did not see the authorization, voided the sale and started over. It may also be that there was an error with the merchants system at the time of your purchase and it submitted two holds instead of one. A duplicate hold will rarely post as an actual transaction. The correct transaction will post and the duplicate one will simply expire.

      If a second charge for the same transaction does actually post to your account, you can contact the merchant for a refund and if unable to resolve with the merchant you can dispute the charge with us. Your signature is required on a dispute form to allow us to reverse the duplicate charge. You can sign this form at any branch, or call our Member Services Department at (616 or 800) 242-9790 to have it mailed to you. Please note that we cannot remove a duplicate transaction while it is on hold. To have a hold removed before its expiration date, please have the merchant contact our Card Services Department at (616 or 800) 242-9790 x 9915.
  • Duplicate POS Transaction

    • When you make a purchase with your debit card and enter your 4 digit PIN, the amount of the transaction is withdrawn from your account immediately. This is a "Point of Sale" or P.O.S transaction. Occasionally you may see a double posting of a P.O.S transaction on your account. This may happen if the merchants system is down or there is an error at the time of your purchase. P.O.S double postings are usually corrected as they happen with a refund of the same amount posting immediately after. You will see three transactions for the same amount, two withdrawals and one credit. If you do not see the automatic correction, please contact our Member Services Department at (616 or 800) 242-9790.
  • Fraudulent Transactions

    • Information can be obtained to make fraudulent transactions in the following ways:

      SKIMMING- An illegal, device is attached to a Merchant or ATM card reader to capture the magnetic stripe data. The information “skimmed” from your card is then used to create a counterfeit card for fraudulent transactions.

      To protect yourself:

      1. Be observant at any ATM, store or gas pump you frequently use. If you notice anything extra or added to the machine, do not swipe your card.

      2. Always keep your card in sight when making a purchase. If that is not possible, such as at a restaurant, be on the alert for abnormal activities.

      PHISHING- The use of bogus e-mails or phone calls that attempt to get the account number information for Debit/Credit card numbers or for Checking or Savings accounts to make fraudulent purchases.

      These emails might indicate that they need confirmation of personal or account information or that an account has been disabled due to login attempts or other invented problems. A link in the e-mail goes to a website that might look authentic and often, there is a request for Debit / Credit Card numbers with PINs or your Routing and Checking account numbers. Please delete the message without response. By phone, the caller might be very persistent and persuasive. Please end the call.

      To protect yourself:

      Never give your complete card number, expiration date, pin number or the 3-digit number on the signature panel out unless you are the one initiating the contact. LMCU will never send an email or make a phone call demanding to verify any of this information.

      DATA COMPROMISE - Merchants or the Merchant’s Data Processors may store too much card data in their computer files. Fraud occurs if computer hackers break into these databases to steal this card information and magnetic stripe data. Visa has mandated rules be put in place to limit the amount of data stored. Merchants and Merchant Processors are continually being monitored and audited to insure compliance.

      To protect yourself:

      Review your monthly statement every month, if you notice any unauthorized charges please contact LMCU immediately to dispute.

      If you have already responded to such a request by providing any confidential account information, please notify us immediately at (616 or 800) 242-9790.
  • Meeting Max Checking Requirements

    • There are 4 monthly usage requirements for the Max Checking account. They are as follows:
      -Direct deposit into your LMCU account
      -Minimum of 10 debit or credit card purchases
      -Minimum of 4 logins to Online Banking
      -Be eligible and Sign up to receive eStatements/eNotices

      If the requirements are met during each calendar month, your interest payment and the ATM surcharge fees (up to $10.00) are deposited on the last day of the month. Due to the merchant processing time and the system month end closing to compile monthly Statements, you may see some transactions back dated. Debits and Online Banking log ins done late in the month would be credited to the next month’s qualifications. Debit transactions count for the month in which they post.

      Normal account use typically satisfies requirements well before the end of the month, but if you are in doubt, you can check your MAX status inside of Online Banking. Once logged in, click on ‘Max Checking Status’ on the right-hand side under ‘Quick Links’.

      There are no fees or penalties if the requirements are not met. Interest would not be paid for the month in which requirements are not met and they would reset at the beginning of the next month to allow you to start over.
  • Name Change

    • A name change requires a signature on an "Account Change Card" and legal confirmation of the change, such as an updated driver’s license or marriage license. A name change can be processed in person at any of our branch locations. If you are unable to go into a branch, please email [email protected] or call our Member Services Department at (800) 242-9790 to have the form mailed or emailed to you.
  • New Loan or New Credit Card Application

    • A loan application can be submitted online at www.lmcu.org.

      1. Go to the “Personal” tab at the top of the page.
      2. Under "Borrow" select the loan you want to apply for
      3. Click the 'Apply Now' link or 'Schedule an Appointment'

      You will receive a response within 24-48 hours. To apply for a loan over the phone, please contact our Lending Department at (616 or 800) 242-9790 x 9944. You can also apply in person at any of our branch locations.
  • Protect Yourself From Fraud

    • To Protect Yourself from Fraud, please:

      1. Be observant at any ATM, store or gas pump you use frequently to notice if anything looks “extra” or added to the machine.

      2. Always keep your card in sight when making a purchase. If that is not possible, such as at a restaurant, be on the alert for abnormal activities.

      3. Never give your complete card number, expiration date, pin number or the 3-digit number on the signature panel out unless you are the one initiating the contact. LMCU will never send an email or make a phone call demanding to verify any of this information.

      4. Do not give your card number to a merchant if you do not intend to be billed for that transaction on that card.

      5. If a product if offered as "free" or "you only have to pay shipping" but they require your card number to complete the order, you must follow their rules exactly to avoid a billing for the entire purchase price.

      6. Make sure to monitor your transactions online or review your statement every month.

      If you notice any unauthorized charges please contact LMCU immediately at (616 or 800) 242-9790 or by visiting any branch.
  • Rename Sub Savings Accounts

    • You can rename a Sub Savings account inside of Online Banking. To do so log in to your account and from the main screen, click on the account that you would like to rename. Under ‘Account Nickname’ on the right-hand side, click on ‘Change’. These changes can also be made at any branch location or by calling our Member Service Department at (616 or 800) 242-9790.
  • Transfer Funds

    • You can transfer funds inside of Online Banking and the LMCU Mobile App. Options include transferring within your account and transferring to another account at LMCU. All options can be found under the ‘Transfers’ tab. For further assistance, please call our Member Services Department at (616 or 800) 242-9790.
  • VISA Gift Cards

    • Our Gift Cards and Prepaid Reloadable Cards are a simple and convenient choice and have many great uses. Visa gift cards are accepted nearly everywhere VISA is accepted. There are no hassles - simply activate the card online or by phone and start shopping.

      Just a few of the great benefits are listed below!

      • Easy to Use - make purchases while avoiding the risk of carrying cash.
      • 24-Hour Cash - obtain cash at a Visa/Plus ATMs 24 hours a day.
      • Reloadable from anywhere - reload your Prepaid Card by phone or online, 24 hours a day, with your registered credit or debit card; or simply stop by your local branch. Personalized cards can be reloaded as often as you wish. Non-personalized, instant-issue cards can be reloaded up to three times.
      • Zero Liability - Offers protection from fraudulent use of a lost or stolen card. Learn more about Zero Liability.

      You can find more information by visiting www.lmcu.org. Go to the 'Personal' tab, click on 'See More' and click on 'Gift and Reloadable Cards' on the left-hand menu.