Account Services

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:

Wire Transfers

How do I send or receive wire transfers?

To make an outgoing wire transfer, stop into any of our branch locations. Make sure you bring the following information of who the wire needs to be sent to:

  • Account holder name and full address
  • Account number
  • Branch number and full address
  • Institution number
  • Swift Code / BIC / IBAN code (international).
  • Routing Number (domestic)

What is the daily wire transfer cutoff time?

  • The daily wire cutoff time is 4:00pm CST.

What is the fee for sending domestic or international wires?

  • The fee is $20 for domestic wires and $50 for international wires. 

What is an IBAN and is it required for international transfers?

  • The International Bank Account Number (IBAN) is an international standard of identifying bank accounts. These numbers are used when making or receiving international payments. 
  • The IBAN varies by country/institution and does not replace your account number. Only the institution servicing an account can provide the correct IBAN of that account and it must be obtained from the beneficiary of the wire. An IBAN is required for beneficiary accounts in Europe and other countries around the world. 

What is your SWIFT code? Do you offer international wire transfers?

  • Land of Lincoln Credit Union does not have the ability to receive International Wires.

If someone transfers money into my account, can they see my account balance?

No. You and your financial institution are the only ones who can view your account balances.

If you suspect your Land of Lincoln Credit Union accounts have been compromised, contact immediately at 1-844-222-7788 so that we can assist you in safeguarding your information.

Wiring Instructions

Wire transfer is generally the fastest mode of sending and receiving funds to/from your Land of Lincoln Credit Union account. You can send money from within the USA (Domestic Wire Transfer) or to a foreign country (International Wire Transfer). You can receive money from within the USA (Domestic Wire Transfer).  The transaction is initiated by the sender of the funds.

To wire funds from your LLCU account, please contact our office for complete wiring instructions. To successfully receive a wire into your LLCU account, please provide the following information to the sender:


Domestic Wire Transfer Instructions

Wire Funds To:

Alloya Corporate Federal Credit Union
ABA# 271987635
Warrenville, IL

Further Credit to:

Land of Lincoln Credit Union
4850 E Prosperity Place - Decatur, IL 62521
Account #/Routing # 271183015

Final Credit to:

Member's Name 
Member's Account #

Direct Deposits

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 quicker to you 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.

My Finances

My Finances 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, My Finances 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 My Finances, login to LLCU's home banking application from our website and click on the tab titled My Finances to get started.


Take Control of Your Credit. SavvyMoney provides comprehensive credit score analysis, full credit report, monitoring, and personalized offers—all in one dashboard. Through our Online Banking or Mobile App our members have access to score updates, credit alerts, and monitoring.

To access SavvyMoney, login to LLCU's home banking application from our website and click "My Credit Score" in the side bar to get started.

Or tap the "My Credit Score" on the Accounts page on our Mobile App. 

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 can executive 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.


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.

Mobile Banking

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:Open and sign in to your app
  1. Open and sign in to your app.
  2. Click on the “More” bottom tab.
  3. Click on the “Instance 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 quick and easy.
  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!

Mobile Deposit

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).

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”.
  3. Our daily cutoff time for accepting mobile deposits is 3pm Monday through Friday, excluding federal holidays. Deposit items that we receive after 3pm, or on non-business days, will be processed on the next business day (Monday through Friday, excluding federal holidays).
  4. If your check is accepted before our daily cutoff time of 3pm, it will usually be deposited into your account between 4pm and 6pm that day (the status of your deposit will change to “ACCEPTED”.)
  5. When your check is deposited into your account, the first $225 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.
  6. 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.
  7. Most checks are eligible to be Mobile Deposited. However, the following types of checks ARE NOT ELIGIBLE for mobile deposit:
  • Checks payable to any person other than you.
  • Checks payable to you jointly with one or more other person other than you.
  • Checks that have been previously negotiated (including checks that may have been returned), remotely created, Sight Drafts, or checks more than 6 months old (stale dated).
  • Checks drawn on a financial institution located outside the United States or not in the United States currency.
  • 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 (including 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.


Zelle is a convenient way to send money right from your mobile banking app or online banking account.

Whether it's saving you a trip to the ATM or taking out the guesswork of divvying up the cost of the lunch tab, Zelle is a fast, safe and easy way to send and request money with friends, family and others you trust2. Money is sent directly to the recipient's account and is typically available in minutes1, and all you need to send money is the recipient's email address or U.S. mobile phone number.

Enroll in Zelle® Now

  1. Login to Bill Pay
  2. Select Send Money with Zelle®
  3. Select or enter a new Contact
  4. Enter Amount

Learn more about Zelle® here


Managing your LLCU debit and credit cards just got easier! You can now manage your cards directly in the LLCU mobile App with CardHub. Tap on 'Cards' at the bottom of the screen to get started.

Easily add cards to your digital wallet. View your card number and details of where and how your card is used. Receive fraud and transaction alerts. Set spend limits and transaction controls, or set up a travel plan.


Be the first to know about Land of Lincoln Credit Union’s specials, important announcements, and financial education by signing up for our email list!