LBS Financial Credit Union is excited to introduce the Long Beach City College Debit Card as an option for our Members. Now you can celebrate your Long Beach spirit and love for LBCC! Just select your debit card option online or in branch when you set up your LBS Financial Credit Union checking account.
LBS Financial has been serving the local area since 1935 and was originally chartered by LBUSD and LBCC school employees. The Credit Union continues to serve school and college employees along with anyone who lives or works in Long Beach and surrounding communities.
Joining the Credit Union is simple: just open a Share Savings account with a minimum of $5 and a $1 one-time fee per account holder. As a Member of LBS Financial, you will have access to all of the banking services you need to manage your money like our Free Checking with eStatements account. Feel free to make an appointment at any branch to meet with us in person as well!
An Account that Works for You!
- No monthly fees with our Free Checking with eStatements account
- Get paid up to two days early with direct deposit*
- 30,000 fee-free ATMs nationwide
- Mobile and Online Banking
The Savings is Real: Lower Loan Rates, Higher Dividends, Low (or No) Fees
Our Member households save between $421-$2,619 per year compared to banking with other financial institutions in the State of California.* Members using the Credit Union for more services often receive total financial benefits that are much greater than the average. For example, financing a $30,000 new auto for 60 months at LBS Financial will save Members an average of $168 per year in interest expense compared to what they would pay another banking institution in the state. That’s approximately $840 in savings over 5 years.
*Data from independent third-party research conducted by America’s Credit Unions using LBS Financial’s rates and fees as of 6/14/2024 compared with an average of all banks in the State of California. $421 is an average of savings among all Members while $2,619 represents loyal, high-use Member households.
We are a Part of this Community
Each year, we give back thousands in time, money, and resources, to build our community via a variety of highly rated local programs and charities.
Community ImpactThe Best Mobile App
Our Mobile Banking app has 4.8 stars on the Google Play Store and 4.9 stars on the App Store—with over 25,000 installations!
Awards and Accolades
- 14 Years running as Press-Telegram/Gazette’s “Best Credit Union” in their reader’s poll
- Voted Best Auto Loans, Best Financial Planning Company, Favorite Workplace, Best Home Loans, Best Refinancing Company, Best Real Estate: Mortgage Broker, Best Financial: Wealth Advisor/Planner (Michael Tan), and Favorite Financial Wealth Advisor/Planner (Thomas Bette) in the 2024 Press-Telegram/Gazette’s Best of Long Beach Poll
- 12 Years running as Beachcomber’s “Best Credit Union” in their reader’s poll
- Voted Best Credit Union in the Long Beach Post’s Best of Long Beach Reader’s Poll in 2023 & 2022, and “Best Bank” in 2021 & 2019.
Financial Health Scores
- A for Health & Stability from DepositAccounts.com
- Better Business Bureau accredited with an A+ rating for 25 years
- 5 Stars from BauerFinancial for financial health
FAQs
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.
Call us at 800.527.3328 and press 2 for ATM and debit card. Then press 1 for lost/stolen.
If a suspicious transaction occurs on your card, you will be notified right away.
How will you contact me?
We'll send you a SMS text first (if you have a mobile phone number on file), followed by phone calls to the numbers we have on file for you (including mobile, home and work). If you have not responded, we will then email you.
Emails and texts are sent 24 hours a day, 7 days a week. Phone calls will take place between the hours of 8 am and 9 pm, in your specific time zone.
After hours, a text will be sent, followed by an email. A temporary block may be placed when necessary, and a detailed report fraud report sent to LBS Financial.
We encourage you to make sure your contact info is up to date! If you have any questions or want to update your information, call 800.527.3328.
Yes! No matter how you pay, Visa has you covered with zero liability. Visa’s Zero Liability Policy is our guarantee that Visa cardholders won’t be held responsible for unauthorized charges made with their account or account information.
How it works: Visa chip cardholders can shop worry-free at millions of locations
The cardholder reviews their monthly statement and immediately reports any unauthorized charges to their financial institution.
Once reported, Visa’s Zero Liability Policy requires their financial institution to investigate and resolve things quickly.
To reset your Debit Card PIN, please call 866.762.0558 from your primary home phone on your account. For ATM Cards, bring your ATM Card with photo ID to any of our branches to re-PIN.
You can use ATMs at any of our LBS Financial branches for free, as well as CO-OP® ATMs or F&M Bank ATMs. Find an ATM.
Please contact us for more information.
Once authorization has been received, a stop cannot be made. However an affidavit may be filled out if there are fraudulent charges. Contact us for more information.
Depending on your account balance, you may use your LBS Financial Debit Card to withdraw up to $500.00 within any 24-hour period from an ATM. Regular purchases are limited to a maximum of $2,000.00 within any 24-hour period. Premier Members have increased limits.
Both cards let you withdraw money from an ATM, but our Debit Cards are also accepted at any merchant where you see the Visa symbol.
