Account Services

Land of Lincoln Credit Union understands that technology changes at a rapid pace and that our members need their financial services to keep up. Because of this, LLCU vows to continually evaluate and improve our account services in order to optimize convenience and efficiency for our member’s banking experience. The following is a list of Account Services currently offered:

Online Banking

LLCU Online Banking offers you the convenience of accessing your LLCU accounts anytime, anywhere! No need to schedule extra time before or after work to get to the branch. You can fulfill most of your banking services right from your computer! Here are all the services you get with Online Banking:

  • Check account balances
  • Transfer funds between accounts
  • Update your contact information
  • Make a stop payment
  • View checks
  • Check loan payments and payoffs
  • Reorder checks
  • Register for BillPay services
  • View/Print e-Statements

To access Land of Lincoln Credit Union’s Online Banking Services, simply enter your USER ID in the box on our homepage. If you are not yet enrolled in our Online Banking Services, please contact a Member Service Representative to help you get set-up.


Online Banking Security

Land of Lincoln Credit Union is focused on protecting your personal account information at all times from internet fraud. It is no longer sufficient to use only a User ID and Password to access Online Banking. Therefore, we have additional security features to better protect your online banking experience. These additional features listed below are required in order to access Online Banking with LLCU:

  • Multi-Factor Authentication (MFA). Due to guidelines set for the by the Federal Financial Institutions Examination Council (FFIEC), all credit unions are required to implement a security feature which is called Multi-Factor Authentication (MFA). MFA is the process of using multiple methods of identifying information to verify the identity of our existing members.

  • Security Questions. You will be prompted to establish a set of security questions, which will be used to verify your identity and are used in addition to your Online Banking PIN. This will initially take a few minutes to set up, but will give you added protection. If you cannot recall the answers to your security questions, please contact a Member Service Representative at one of our local branches, or via the toll-free number 1-844-222-7788, and we will reset the questions so that you can provide new answers. Security question answers are encrypted and not accessible to anyone, including LLCU employees. Security questions can be edited at any time by logging onto Online Banking.

Mobile Banking & Mobile Deposit

LLCU Mobile Banking offers the ability to use your personal phone or tablet to conduct your banking services through our secure mobile app.

  • LLCU Mobile Banking allows you to perform the following services:

    • Access accounts and check balances
    • Transfer money between accounts
    • Pay bills through BillPay
    • Make check deposits using Mobile Deposit
    • Find branch and ATM locations
  • Mobile Banking is an app platform for Apple® and Android® smartphones and tablets. Apple iPhones running iOS 6.0 or later and Android smartphones running version 2.2 or later are compatible with the LLCU Mobile Banking app. Apple iPod Touch and iPad devices running 5.0.1 or later are compatible with the LLCU Mobile Banking app, but not with Mobile Deposit. Download the app from your app store. Type “Land of Lincoln” in the search bar and you’ll find the free app.

  • Mobile Banking Login. Mobile Banking is an extension of the Online Banking platform and you will have to enroll in Online Banking first to access the Mobile Banking app. Your User ID and password will be the same for both. After your initial login to Mobile Banking, it will remember your User ID, but not your password.

  • Mobile Banking Security. LLCU Mobile Banking app uses a multi-factor authentication just like the LLCU Online Banking platform. This includes your security questions, your personal image and phrase, as well as your username and password.

  • Quick Balance Summary. Sometimes you might not be looking for actual transactions, but just want to see a quick balance summary. You can choose to view up to (6) account balances without actually logging in to the app. To set this up, follow these steps:

    1. Open and sign in to your app.
    2. Click on the “More” bottom tab.
    3. Click on the “Instant Balance Settings” tab.
    4. Enable the Instant Balance by touching the button.
    5. Now, select up to (6) accounts you’d like to be able to see quickly and easily.
    6. Save your preferences.

Next time you open your LLCU Mobile Banking app, you will see a dollar sign icon in the upper right corner. Click on this icon before you enter your password and you will see a quick summary of your accounts!


LLCU Mobile Deposit is a tool designed to make it easy and convenient to deposit checks into your accounts anytime, anywhere, by simply using your camera on your smartphone or iPad. This feature is automatically available when you have downloaded the LLCU Mobile Banking app (see instructions above). *New members must wait 60 days from their account opening before they are able to use Mobile Deposit.

Follow these 10 Easy Steps to Deposit a Check:

  1. Make sure the person to whom the check is made payable is on the account.

  2. Endorse the check with your signature and under the signature write, “Remote Deposit”.

  3. Open the LLCU Mobile Banking app.

  4. Select “DEPOSIT”.

  5. The deposit account will default to your checking account.

  6. Enter the amount of the check you wish to deposit.

  7. Take a picture of the front of the check. The entire check image must be seen.

  8. Take a picture of the back of the check. The entire check image must be seen.

  9. Confirm and submit the deposit.

  10. Temporarily store the original check in a safe place. After you successfully deposit a check, the status will show “PENDING” until it has been reviewed.

Mobile Deposit Rules are as follows:

  1. If your check cannot be accepted, status will change to “FAILED” and we will attempt to contact you via email. You may contact the credit union by calling 1-844-222-7788.

  2. If your check is processing, status may change temporarily to “UNDER REVIEW”. Our daily cutoff time for accepting mobile deposits is 3 PM EST Monday through Friday, excluding federal holidays. Deposit items received after 3 PM EST, or on non-business days, will be processed on the next business day (Monday through Friday, excluding federal holidays). If your check is accepted before our daily cutoff time of 3 PM EST, it will usually be deposited into your account between 4pm and 6pm that day (the status of your deposit will change to “ACCEPTED”.)

  3. When your check is deposited into your account, the first $200 of your deposit will be made available to you immediately. The remainder will be placed on hold for up to 2 business days. Longer holds may apply in certain situations.

  4. Once the status of your deposit changes to “ACCEPTED” and you see the deposit in your account history, you may destroy the paper check. You will be able to view a legal image of your check in Mobile Banking (under “Deposits”, then “View Deposit History”) and we will use the legal image for further processing needs.

  5. Most checks are eligible to be Mobile Deposited. However, the following types of checks ARE NOT ELIGIBLE for mobile deposit:

  6. Checks payable to any person other than you.Checks payable to you jointly with one or more other person other than you.

  7. Checks that have been previously negotiated (including checks that may have been returned),remotely created, Sight Drafts, or checks more than 6 months old.

  8. Checks drawn on a financial institution located outside the United States or not in the United States currency.

  9. Insurance Claim Checks, Money Orders (Postal or Money Gram), Traveler's Checks, Credit Card Cash Advance Checks.

*For Basic Checking Accounts in good standing, that have been opened at least 60 days,  with a valid email address on file, a daily limit of $1,000.00 is in effect. For all other personal checking accounts (excluding HSA accounts) in good standing, that have been opened at least 60 days, with a valid email address on  file, a daily limit of $2,000.00 is in effect.

Lincoln Line Phone Banking

Lincoln Line is LLCU’s automated phone banking system that places your accounts at your fingertips 24 hours a day. Lincoln Line is safe, free and easy to use. You can access your LLCU accounts at times that are most convenient for you.

Services and Transactions you can execute with Lincoln Line are as follows:

  • Balance inquiries
  • Transfers
  • Check Postings
  • Check Loan Payments & Payoffs
  • Electronic Funds Postings
  • ATM Transactions
  • Check Loan Due Dates
  • Check Year-to-Date Interest

Once you have received a Personal Identification Number (PIN) from LLCU, you may access the Lincoln Line by calling:

  • Decatur area: (217) 424-9400
  • Outside Decatur: (800) 500-9401

Helpful Hints for using Lincoln Line:

  • Lincoln Line can only be used with touchtone telephones
  • Have your account number and PIN handy before dialing
  • Use the # key only if the system prompts you
  • Press * (star) to repeat information
  • Press 9 (nine) to return to the previous menu
  • Press 8 (eight) to end the call
  • The daily transfer limit on Lincoln Line is $1,000.00
  • When entering dollars and cents, the system automatically knows where to enter the decimal (e.g. $950.25 would simply be entered as 95025#)

For more information or questions, contact a Member Service Representative.

 Bill Pay

LLCU BillPay allows you to automate paying your bills. This is especially helpful to keep you from making late payments or forgetting to pay a bill entirely, which can have a negative impact on your credit score. In addition, it can help you save money on postage and checks, while helping you organize your outgoing bills each month.

BillPay Service allows you to do the following:

  • Pay anyone 24 hours a day
  • Pay bills automatically
  • Pay bills one time
  • Schedule recurring bills
  • Schedule future payments
  • Set-up unlimited payees
  • View your bill payment history
  • View pending payments

BillPay Helpful Hints:

  • Allow pop-ups for Land of Lincoln Credit Union’s website to avoid your browser blocking the BillPay page.

  • To set-up Recurring Payment, select MANAGE MY BILLS tab, select CHOOSE THE PAYEE. Then, click ADD AN AUTOMATIC PAYMENT and complete the applicable areas.

  • To cancel a Recurring Payment, select MANAGE MY BILLS tab, select CHOOSE THE PAYEE, then click DELETE AUTOMATIC PAYMENT 1 and choose OK to confirm the cancellation.

  • Some Payees will be paid electronically and some will be sent a paper check. If the system finds the payee name you are searching for, it will send the payment electronically. If you have to manually enter the payee name and address, the payment will be sent via paper check.

  • Stop Payment. If a payment is made electronically, you cannot stop payment. If the payment was made by paper check, you can put a stop payment on the check for a fee of $24. Stop payments can be completed through Online Banking.

Just a few clicks of the mouse and you can set up BillPay right away! Contact a Member Service Representative to get started.

*Must have a checking account in good standing to enroll in BillPay services.

 Direct Deposit

LLCU Direct Deposit Feature is available on all of our accounts. If your employer offers this service to directly deposit your paycheck into an account, as opposed to a paper check, we can set it up to deposit directly into your LLCU account. Below are the benefits of Direct Deposit:

  • Deposits arrive faster and are made available more quickly than paper checks.
  • Direct Deposits can be divided among different accounts based on your specific instructions.
  • No need to visit the branch in person for check deposits or cashing.

To sign up for DIRECT DEPOSIT, check with your employer or visit one of the LLCU branches.

 Shared Branches

Land of Lincoln Credit Union is a part of a co-op that allows our members to use nearly 30,000 ATMs throughout the country completely SURCHARGE-FREE!

To find a Shared Branch, CLICK HERE

 PICTURE MY CARD™

PICTURE YOUR CARD™...YOUR WAY!

Customize your Visa® Debit card today with your favorite picture of a loved one!

CLICK HERE for details!

 Pop Money

PopMoney at LLCU allows you to send and receive money quickly and easily! With PopMoney, you are able to send and receive funds from your account to anyone with an email or phone number. It’s just that easy and fast!

Common Uses for PopMoney:

  • Send a gift to a friend or relative
  • Donate to a worthy cause
  • Pay rent or the babysitter
  • Pay a friend back for lunch or a trip
  • Send money to your college kid

Set up PopMoney with these easy steps:

  1. Login to LLCU Online Banking, under tab “Bill Payment”, select “Pay Bills”

  2. A new window will appear and there will be a PopMoney tab at top. Click it and follow the steps to start using the service.

*PopMoney transactions will incur a minimal transaction fee with each use. In addition, to use PopMoney, you will need to be enrolled in LLCU Online Banking and BillPay.

Contact a Member Service Representative today to get started!

 e-Lert Notifications

Life is better with reminders! If you like to know when a check has cleared or if your payroll has been deposited, sign up for our free e-lerts.

E-lerts will send you notifications when the following things happen:

  • Savings or checking account balances fall below a selected value
  • Loan payment is past due
  • Check has cleared
  • Direct Deposit has posted to checking or savings
  • Withdrawal from checking or savings is above selected value

Set up E-lerts with the following steps:

  1. Login to LLCU Online Banking, under “Access Accounts”, select “Email Notification”.

  2. Select “e-lerts Options”, then “Add e-Lert”.

  3. On the next screen, choose from the list of notification types.

  4. Complete the process by including amount and reminder notes. Be sure to specify if you want the e-lert to be connected to checking or savings.

  5. Finish by confirming e-lert on the last screen.

    *Note: You will be able to edit your e-lerts at any time by clicking “Modify”.

Contact a Member Service Representative if you have any questions.

 Text Banking

LLCU offers Text Banking for those that don’t like to remember passwords or wait for automated telephone prompts. Just send us a text and we’ll get you the information you need fast!

To get started, follow these steps:

  1. Start a new text message and send it to “59289”.

  2. Text us what you want to know using the following acronyms:

  3. BAL – by typing BAL, you will get a balance for all of your accounts

  4. HIST + Account Nickname – by sending this, you can see a recent transaction breakdown for a specific account.

Not sure about your Account Nickname? Login to your Online Banking, go to “Access Accounts” tab, select “Mobiliti” and finally select “My Accounts” tab. You will see all of your accounts with Mobile Banking Nicknames to the right. You can edit them there as well. Make them easy, select “CHECKING” for your checking.

Got questions? Contact a Member Service Representative and they can help you set it up!

*Message and Data rates may apply.

 Your Financial Portfolio

Your Financial Portfolio from Land of Lincoln Credit Union is a money management tool designed to help you reach your financial goals. Whether you want to reduce debt, increase retirement contributions or save for a specific purpose, YOUR FINANCIAL PORTFOLIO is the tool to help you get it done. Here’s what you can do:

  • See all of your accounts in one place. Import your account information from other financial institutions and see all of your balances at once. All you need is your username and password from the other institution's websites.

  • Track your cashflow. Add income and bills like your paycheck, rent or utilities and tag transactions so you can see where your money is going at a glance.

  • Create a budget. Set monthly spending limits and receive alerts when you're about to go over.

  • Set goals and track progress. Choose your goal, set a time frame and see what you need to do to get there.

To access Your Financial Portfolio, login to LLCU's home banking application from our website and click on the tab titled Your Financial Portfolio to get started.

 Member Perks

WE HEART OUR MEMBERS!

Did you know that you can receive special deals and discounts just for being a Land of Lincoln Credit Union member? That’s right, joining a credit union can definitely have its perks.

LOVE MY CREDIT UNION

Enjoy exclusive savings everyday with Love My Credit Union. This program offers cash back from major retailers, special offers from trusted partners, and more. CLICK HERE TO LEARN MORE

Members Save on TurboTax, the Tax Software That Has You Covered

The tax laws have changed, but TurboTax is up to date on the latest tax laws and guarantees 100% accurate calculations, so you can be confident your taxes are done right and get your biggest possible refund. And, as a credit union member you can save up to $15 on TurboTax this tax season. Start today and save!

AMUSEMENT PARKS

You can buy discounted tickets online for Six Flags St. Louis and Holiday World & Splashin’ Safari. Just follow the links below, enter the provided username and password, and purchase your tickets. It's just that easy!

Six Flags St. Louis*

CLICK TO BUY NOW Username: LLCU Password: SixFlags8

*Discounted Tickets are limited to the Six Flags St. Louis theme park only.

Holiday World & Splashin’ Safari

CLICK TO BUY Username: Holiday1117 Password: World1117

AMUSEMENT PARKS You can buy discounted tickets online for Six Flags St. Louis and Holiday World & Splashin’ Safari. Just follow the links below, enter the provided username and password, and purchase your tickets. It's just that easy!

Six Flags St. Louis*

CLICK TO BUY NOW Username: LLCU Password: SixFlags8

*Discounted Tickets are limited to the Six Flags St. Louis theme park only.

Holiday World & Splashin’ Safari

CLICK TO BUY Username: Holiday1117 Password: World1117

Prior to opening an LLCU Account, please carefully read through the ACCOUNT AGREEMENT and view our TRUTH IN SAVINGS document.

To review our Fee Schedule, click here.