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Many of our Members have been using Zelle’s application to send and receive funds using their LBS Financial 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.

Mobile Biometric log in allows you to log in to Online Banking using your mobile device’s biometrics (facial recognition, fingerprint, etc.) instead of a password. While passwords can still be used, this feature provides an easy solution for those who prefer using biometrics for verification rather than typing and remembering a password. Please note: using this feature in Online Banking requires the latest app version with biometrics enabled within the app.

Here's how you can set it up:

1. Log into your account through the Mobile Banking app.

2. Under Contact & Settings, select "App Settings" or select the gear icon at the top left corner of the screen.

3. If on an Apple device, tap on the toggle next to "Face ID authentication" and "Request Face ID on startup" and scan your face when prompted to enable biometrics and confirm setup.

4. If on an Android device, tap on the toggle next to "Biometric Authorization" and scan your face or fingerprint when prompted to enable biometrics and confirm setup.

Once complete, you will see a screen stating "Congratulations!" The next time you log in to Online Banking on a desktop or mobile browser, you’ll be able to use Mobile Biometrics.

You can also log in to Mobile Banking using facial or fingerprint recognition.

A DBO (Debit Origination) is an automatic withdrawal set up by the Credit Union (on behalf of the Member), from an account at another financial institution, using a routing and account number to satisfy a consumer loan payment.

An LTA (Loan Transfer Agreement) is an automatic transfer from an LBS Financial account to an LBS Financial loan. These types of transfers are set up by the Credit Union (on behalf of the Member) to automatically transfer funds on the date a Member’s payment is due every month. LTAs will attempt to debit a Member’s account up to 4 times to satisfy a consumer loan payment (if there are insufficient funds).

Signing up is easy. Visit our home page to enroll by clicking on the login button at the top right corner of our page, and then click Sign-Up.

Yes, visit our home page  to enroll by clicking on the "Login" button near the top right corner.

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

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.

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)

"To add a note or image to a transaction in your history, log in to Online or Mobile Banking and select the account from the Accounts menu. Next, choose the specific transaction where you'd like to add a note or image. In the transaction details, scroll to the ""note"" section and click the pencil icon. Enter your note in the “note” field and click the check mark to save.

To upload an image, click the ""+ Add image to transaction"" link and choose a file from your device. You can upload JPG, JPEG, or PNG files, with a maximum size of 3 MB and a minimum resolution of 640 x 480 pixels."

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.

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

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.

Duplicated transactions can appear within Quicken due to a slight difference in the transaction ID between old and new files. In order to identify older transaction and manually remove the duplicates, please follow these steps:

1. Go to Settings by clicking on the Settings icon in the top right-hand corner in Quicken and select the “Register Columns…” option.
2. From that menu, select “Downloaded ID.” You will see a new column appear on your screen.
3. In that column, identify transactions that have 11 symbols after the last colon ( : ). These are the transactions with an older transaction ID format. The newer transaction ID format has 10 symbols after the last colon.
4. To delete older transactions, click on the Gear icon in the Transaction toolbar and then click “Delete”.

For more information on deleting transactions, please visit the Quicken website.

View our video showing the steps for deleting duplicate transactions.

To prevent or reduce duplicates, when exporting your transactions, select a start date that is equal to or after your last export date.

Yes, you can export your account information from Online or Mobile Banking into Quicken. On the Accounts page, select the account for which you would like to export. Next, click the export/download icon within the "history" tab, and select "Quicken" from the drop-down list.

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

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

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

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

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

In Online or Mobile Banking, click on your checking account and search your transaction history by check number, amount, or by scrolling through your history and clicking on the check icon to view the image. You can also view multiple checks in your history by typing "item" in the transaction history search bar to view all cleared checks within the selected date range. If you are signed up for eStatements, you may also view check images directly from the eStatement.

Within Online and Mobile Banking, you can print your account history directly from the History tab on the Account Summary screen by clicking on the print icon. By opting into eStatements, you can also print your statements as needed.

Repeating or recurring transfers are automatic transfers of the same amount of money, from one account at LBS Financial to another account, including loans, Visa's and Mortgages. They are a great way to ensure you never miss a monthly payment or savings goal.

These transfers can be scheduled for a variety of frequencies, such as daily, weekly, monthly, and/or every 3, 6 or 12 months. Once set up, you do not have to re-enter a new transfer each time.

To set up a repeating transfer, click "Transfers & Payments" on your menu in Online or Mobile Banking and select "Make a Transfer." For a shortcut in Mobile Banking, click "Transfer" from the bottom menu. Select where the funds are coming from, and where the funds are going. Enter the amount and follow the prompts for frequency, start date, duration and click "Transfer" and "Confirm."

You can make a transfer through Online or Mobile Banking, by calling one of our phone representatives, visiting a branch, or accessing your account by phone through HomeTeller.

In Online or Mobile Banking, click on the "Transfers and Payments" menu option and "Make a Transfer." For a shortcut in Mobile Banking, click "Transfer" from the bottom menu.

To transfer between your LBS accounts, select "At LBS Financial CU," and follow the prompts. To transfer to another Member, click "To another Member" under "Other Options" and follow the prompts.

To transfer funds to an external account where you are an account owner, select "At Other Banks," and follow the prompts if your account is already linked.

To link an external account, select "Manage external accounts," and then select the "Link new" tab. Next, add the routing and account number and select "Link account." Within two business days, there will be two small deposits under $1 in your external account. Log into Online or Mobile Banking, return to "Manage external accounts" and select "Manage accounts" to confirm the amounts received.

Once your external account is verified, you can begin making external transfers.

Online Banking is free of monthly service charges. In addition, our Bill Payment service is also available without a monthly service charge.

Most transactions are posted instantly to your account (in real-time). Some signature debit card or credit card transactions may show as a hold or pending and may be viewed as a pending item in your account history. Click the "Upcoming" tab to view pending debit and credit card transactions and scheduled transfers.

You can access all of your LBS Financial sub-accounts in Online Banking. If you have multiple accounts at the Credit Union, make sure to click on "Link Memberships" within the "Accounts" menu option to aggregate all accounts for which you are an owner.

Yes, your access will be limited if your account becomes dormant due to no transactions within a 12 month period, or longer. To regain access, simply contact the Credit Union. All of your settings (account order, recurring transfers, account nicknames, etc.) will still be in there when you reactivate your account.

Yes, as long as you can access the internet using a web browser that meets our minimum requirements, you may use Online Banking from almost any location in the world, 24 hours a day. We recommend accessing through a secure wireless network and not using public Wi-Fi to ensure security on your account.

If you have already registered for eStatements, log into Online or Mobile Banking and select "eDocuments" under the "Services" menu option. If you have multiple accounts linked, make the appropriate account selection and select the statement in question.

If you have not registered for eStatements, click on "eDocuments" and switch delivery from "paper" to "electronic" for any documents on the list and make sure to read the disclosure and accept the terms. Once you agree to the terms, your eStatements will be available moving forward, starting the next statement period. Documents are stored here for up to 18 months.

To reset your password, click on the Login button near the top right corner of our homepage, and select "Forgot password" on the password screen, after entering your username. You will be required to enter your social security number, account number, and date of birth to reset your password. Before regaining access to your account, you will be required to complete a one-time PIN authentication.

Most login problems are due to incorrect user IDs and passwords. Our passwords are case sensitive. Be sure you don’t accidentally have your keyboard CAPS LOCK on. Be careful of the caps lock when you set your password as well.