All your finances—on your phone

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).

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.

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.

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.

Yes! Just download our app from the App Store!

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.

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.

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.

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.