LLCU Online Banking offers you the convenience of accessing your LLCU accounts anytime, anywhere! You can fulfill most of your banking services right from your desk! Here are all the services you get with Business 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
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. In addition, it can help you save expenses 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 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.
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.
- Click on the “More” bottom tab.
- Click on the “Instant Balance Settings” tab.
- Enable the Instant Balance by touching the button.
- Now, select up to (6) accounts you’d like to be able to see quickly and easily.
- 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 business 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:
Make sure the person to whom the check is made payable is on the account.
Endorse the check with your signature and under the signature write, “Remote Deposit”.
Open the LLCU Mobile Banking app.
The deposit account will default to your checking account.
Enter the amount of the check you wish to deposit.
Take a picture of the front of the check. The entire check image must be seen.
Take a picture of the back of the check. The entire check image must be seen.
Confirm and submit the deposit.
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:
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.
If your check is processing, status may change temporarily to “UNDER REVIEW”.
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).
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”.)
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.
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.
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.
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.
Directly deposit your payroll and offer your staff the ease of electronic payments, disbursements, contributions and fees. Also, collect payments electronically from customers to ensure prompt repayment.
Online e-statements offered monthly with free check images.
Offer your employees a corporate credit or debit card to easily track their expenses.
Pay your Federal taxes electronically or over the phone through this LLCU service.
Land of Lincoln Credit Union is focused on protecting your business 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 forth 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 password. 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 into Online Banking.