Cover everything in one place

Many of our Members have been using Zelle’s application to send and receive funds to their LBS Financial accounts using their debit card. While LBS Financial does not offer Zelle within our Online and Mobile Banking today, the Zelle app allowed our Members to utilize the service as long as the person they were sending or receiving money with had Zelle with their financial institution.

Starting January 8, 2025, no new users will be able to use their app and existing users will lose the ability to send/receive Zelle transactions starting April 1, 2025. To continue using Zelle's services, they are requiring all users to enroll through a financial institution that offers Zelle in their online banking or mobile app.

We understand how important this service is to our Members who connect the Zelle app to their LBS Financial debit card, and we are actively working to add Zelle in our Online and Mobile Banking. We anticipate implementing Zelle in 2025, and will notify all Members once a target date is available.

It’s easy! Log into Online or Mobile Banking and select the Bill Payment link on the menu to review the enrollment terms. Once you’ve agreed to the terms, you’re ready to start enjoying the convenience of Bill Payment.

No, you can simply shred it. Our system provides all the necessary information to your biller. We encourage you to try our eBills, which are available through Bill Payment for eligible billers. You will see an "Activate eBill" or “Get eBills” option next to those billers. This will help you eliminate the paper bills coming to you in the mail.

eBills are regular statements delivered electronically by your eligible billers. You'll typically receive them each month at the same time 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 or Mobile Banking.

When you set up a biller in Bill Payment, you will have the option to set up eBills for eligible billers. To add eBills to an existing biller within Online Banking, select “Activate eBill” next to the biller on the Payment Center page. Within the Mobile Banking app, select “Activate eBill” on the billers tab.

*Please note that you'll no longer receive a paper bill if you opt into eBills. However, you can print or save your eBill statements for your records.

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.

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.

• If your biller receives payments electronically, CheckFree will credit the biller on the due date you have indicated and then debit your account on the same day.
• If your biller receives payment by check, your account may be debited after the check is received and processed by your biller.
• If there are insufficient funds in your account, you will be responsible for an NSF fee. CheckFree will attempt to debit your account once more the following business day.
• If your payment returns, CheckFree will attempt to recover the funds from your biller.
• If CheckFree is unable to recover the payment, your Bill payment privileges may be frozen until Bill Payment recovers the funds owed to them.

Please review our Fee Schedule for current NSF and Uncollected Funds fees.

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

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

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

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

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

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

This is our current payment schedule:

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

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

As long as you access the Bill Payer service at least once every 12 months, your billers and payment history will remain active and available.

Most payments to major billers and utility companies are sent electronically. These payments will typically be withdrawn from your account on the same date you select for the biller to receive your payment. Other payments are sent via a paper check drawn on your account. The checks will generally debit your account a couple of days following the date the check is deposited/cashed by your biller. These types of payments are typically for smaller merchants such as a gardener, pool cleaning service, medical bill, etc. Please note that paper checks may clear an account earlier than the account holder anticipated (including earlier than the pay date selected by the account holder), since they may be deposited by the payee upon receipt.

Most paper check payments are cleared through your account and you will be able to view these check images within Online Banking and print them. The easiest way to find copies of these checks is by finding the transaction by clicking on History, then finding the transaction and clicking on the check icon to view the check. You may also enter the check number to search for it in the box above your transaction history. If you cannot find a copy of your check, the Credit Union still may be able to provide it. Just call the Credit Union (800.527.3328) and ask for copies of the check. Please refer to our Fee Schedule for our check copy fees

If your payment has not yet been sent by CheckFree to your biller you may cancel the payment. Within the Mobile Banking app, select the scheduled payment on the Activity tab and select “Cancel.” Within Online Banking, select the pending payment on the Payment Center screen, and select “Cancel.” There’s no fee to stop the payment by clicking the cancel button. If the cancel button is not showing next to the payment, call the Credit Union directly to stop the payment (800.527.3328). Stop payments on transactions that have already been sent to the biller are subject to the Credit Union’s stop payment fee. View our Fee Schedule for the current stop payment fee.

You can make payments to virtually any business or individual in the United States. Exceptions include:

• Tax payments
• Court ordered payments
• Payment to payees outside of the United States
• Payments to other institutions for the purpose of making a deposit

Bill Payment is fully secure. It is recommended by security experts over paper bills to help protect against check fraud and identity theft.

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).

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