FAQs - Online Banking

Accessing Online Banking

Do I need to apply?

Yes. Visit our home page to enroll online by clicking on Sign Up near our login box. View our How to Enroll in Online Banking video.

What do I need in order to begin using Online Banking?

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” or you may apply over the phone or in one of our branches.
  • 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

Do I need any special software?

Only the most current versions of Internet browsers are supported for security purposes. Online Banking should work with Internet Explorer, 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.

Can I use Online Banking from any location?

Yes, as long as you can access the Internet using a web browser that meets our minimum requirements, you may use Online Banking from any location in the world, 24 hours a day.

How secure is Online Banking?

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, eStatements, PayPal, and Popmoney)

Why can’t I log in successfully?

Most login problems are due to incorrect user IDs and passwords. We also just launched a new Online and Mobile Banking system on August 22, 2018 and required all Members to re-enroll and create new credentials. 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.

What do I do if I forgot my password?

To reset your password, click on the Forgot Password link below our login box on the home page of our website. You will be required to enter your social security number, account number, and date of birth to regain access to your account. You may also call us at 800.527.3328 during normal business hours and we will re-set your password for you.

Is my Online Banking access disabled after a period of inactivity?

Yes. If you have not logged into your account in the last 12 months, your access will be disabled. To regain access, simply call the Credit Union. Your account may also be dormant if you have had no transactions on your account for over 6 months. All of your setups (Multi-Factor Authentication, recurring transfers, account nicknames, etc.) will still be there when we reactivate your account.

Using Online Banking

What is Online Banking?

Online Banking provides a convenient and secure way to access your account 24 hours a day, 7 days a week, through the Internet. You can:
  • Obtain account/loan balance information, including any items pending on your account
  • Obtain loan payment due date and payoff information
  • Obtain last dividend and date
  • View copies of your cleared checks
  • Obtain account history information on your LBS Financial Credit Union accounts
  • Transfer funds between your Share Draft/Checking, Share/Savings account and HELOC and Visa Credit Card
  • Download transaction information to personal financial management software from your Share Draft/Checking and Share/Savings accounts
  • Open sub-accounts directly through Online Banking, including Share Certificates, Money Market and Special Occasion Club Accounts (vacation & holiday).
  • Make payments from your LBS Share Draft/Checking and Share/Savings account to your LBS Financial loans
  • Open additional savings and certificate accounts
  • Set up account alerts or reminders on your account
  • Send money to a person within the United States using PayPal or Popmoney Person-to-Person Payment services
  • View and print eStatements and eDocs
  • Pay bills through the Bill Payment service from your Share Draft/Checking account

See Bill Payment FAQs to review the features of Bill Payment and Popmoney.

Which accounts can I access through Online Banking?

You can access all of your LBS Financial sub-accounts including your Visa. If you have multiple accounts at the Credit Union, make sure to click on Link Memberships to bring in all accounts for which you are an owner. View our How to Link Memberships video.

How long does it take for my transactions to show on my account?

Most transactions are posted instantly to your account (in real-time) just as if you were to visit one of our branches or called one of our phone representatives. Some signature debit card transactions may show as a hold or pending and may be viewed as a pending item in your overview or account history.

How much does Online Banking cost?

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

How do I transfer funds to my other accounts or to another Member’s account at the Credit Union?

Click on Transfers and Payments and Make a Transfer.

Select the account where the Money is Coming From and Where the Money is Going To. If you are sending to another Member, select Another Member under Where the Money is Going To and enter their account number and last name. Enter the amount and submit.

What is a repeating or recurring transfer and how do I set this up?

Repeating or recurring transfers are automatic transfers of the same amount from one account at LBS Financial to another account (example: from your Checking account to your auto loan or home loan). You do not have to re-enter a new transfer each month.

These transfers can be scheduled for a variety of frequencies, including: daily, weekly, monthly, and annually.

To set up a repeating transfer, click on the “Make a Transfer” button in the left toolbar of Online Banking. Select the account where the Money is Coming From and Where the Money is Going To. Enter the amount then click on Repeating and complete the data for the transfer.

Can I print account history?

The easiest way to print is to opt-in for eStatements and print your statement.

If you do not have eStatements, select the account history by highlighting with your mouse the data you would like print. Go to print in the file menu of your browser and select “selection” and then print.

How do I search for checks in Online Banking?

In Online Banking, click on History and click on your Checking account. Enter the check number in the search box under Transaction History. You may also find the checks within the history on your account and click on the check icon to view. If you are signed up for eStatements you may also view your checks directly from the eStatement.

What if my account information is not correct or doesn’t appear in Online Banking??

Please submit a Technical Support Request or call us at 800.527.3328 during normal business hours.

What are the business hours for Online Banking?

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 Technical Support Request and we will respond within one business day.

Can the joint owner on my account use Online Banking?

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

Are there limits on the number of transfers I can make?

There are no limits on transfers from LBS Financial Checking accounts or lines of credit. However, Federal Regulation D limits the number of electronic transfers from Savings accounts to a maximum of six per month. The maximum of six includes transfers made via electronic methods, such as HomeTeller, Online Banking , and through our Call Center.

Are there limits to the number of times a day I can log in to Online Banking?

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

eStatements

How do I access eStatements?

If you have already registered for eStatements, click on eDocuments in the top left toolbar within Online Banking. Documents are stored here for up to 18 months.

If you have not registered for eStatements: click on eDocuments and switch to electronic for any documents on the list. Then, make sure to read the PDF disclosure, copy the code from the disclosure and paste in the box and accept terms. Once you agree, you will have access to the system. You will not have an eStatement ready for you until the next statement period. View our How to Enroll in eStatements video.

Will I still get a statement in the mail?

If you switch from paper statements to electronic statements you will no longer receive a paper statement in the mail. You may always switch back to paper statements if you change your mind.

Quicken/Exporting Data

Can I use Online Banking directly from Quicken?

Yes, you can connect to Online Banking from Quicken using Express Web Connect. Click here for Quicken FAQs.

Can I export my account information into Quicken?

Yes, you can export your account information from Online Banking into Quicken. Just click on History from our menu, then select the account for which you would like to view in the drop down. Click on the Export button above the history information to export to Quicken or a CSV, Excel, or OFX file.

Bill Payment


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