Financial Literacy

Overdraft Protection

We understand life happens sometimes. That's why we provide ways to keep life going when everything else seems to be going faster.
Overdraft Protection
Safety Net

Get access to funds when you need it most. Safety Net will pay share drafts, point-of-sale, debit, and ACH transactions when no other funding source is available.

Checking account must be brought to a positive balance within 30 days or account will be closed. Not a credit product or line of credit. Subject to credit union guidelines. Opt-in is required for debit card transaction coverage.

Fees/Cost: NSF fees as disclosed in the Rate & Fee Schedule apply.

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Overdraft Protection
Anytime Credit (Line of Credit)

Through Anytime Credit, you can get pre-approved for a line of credit that you can access anytime you need it. Apply only once and whenever you need additional funds, simply transfer the amount you would like by check, by phone, or online. Unlike a typical loan, you make payments only on the credit you’ve actually used.

*Credit limit and interest rate subject to credit approval

Overdraft Protection
Account Transfer From Share Savings

Your checking account is automatically linked to your Share Savings account. Funds are automatically transferred to cover checks and debit card transactions. If no other funding source, such as Anytime Credit, is present on the account, available funds will automatically be transferred from the Share Savings to your Checking account.

Fees/Cost: NSF fees as disclosed in the Rate & Fee Schedule apply.

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Common Links

Frequently Asked Questions

  • Do you have mobile deposit for checks?

    Yes! You can learn about how to use mobile deposit by logging into online banking and clicking Mobile Deposit. There, you will find step-by-step instructions on how to deposit your checks with your phone. 

  • Are checks free?

    Depending on the type of account you have, free checks is one of our many benefits. If you have a Pick 5, Young At Heart, or Hill Checking Account, you have access to free checks. 

  • How do I view my transactions in the LCU Cards app?

    Once your card is entered into the app, you can tap on the card image to view transactions.

  • Can I see my checking account balance on my debit card?

    No, but you can view pending or posted transactions on your debit card through the app. You can find your checking account balance through Online Banking or through the Listerhill app.

  • How do I add another card to the LCU Cards app?

    Swipe left to enter a new card once you have entered your first card.