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Login Process

How do I sign up for online banking?  

Head over to our Online Banking enrollment area at laketrust.org/get-online-banking to create a new Online Banking account. You’ll need your account number and the last four digits of your Social Security number to sign up. If you need help, give us a call at 888.267.7200 or stop into any branch.

I am an authorized user on a business account. How do I log in to Online Banking?  

The login for authorized users is whatever the primary business administrator set up. Talk to the primary business owner to get the login information.

How do I reset my Online Banking username or password if I forgot it?  

You can reset your username or password at the link under the Online Banking sign in box. If you still need help, give us a call at 888.267.7200 or stop into any branch.

Mobile Banking

What’s the difference between texts alerts and Text Message Banking?  

Text alerts are set up through Online Banking in the “Mobile Banking & Alerts” tab. You decide when, and if, you want notifications sent to your phone for low balances, large deposits or high payments made. However, these alerts are not in real time. Text Message Banking is when you text in one of the above codes and account information is sent to you in real time.

How do I use Text Message Banking?  

To use Text Message Banking, just activate the service through your Online Banking account. Log in to Online Banking and go to the “Additional Services” tab and locate “Mobile Banking & Alerts”. Enter your phone number and accept the terms and conditions. You’ll be guided through the set-up process.

Once you’ve activated text banking, use these codes to get account information:

  • Text “TRANS” and a dollar amount to transfer money between accounts
  • BAL: Primary account balance
  • BAL ALL: All account balances
  • BAL CHK: Balance of checking account
  • BAL SVG: Balance of savings account
  • LAST: See the last five transactions on your account
  • STOP: Unsubscribe from service
  • HELP: How to use service
How do I log in to Mobile Banking?  

To log in to the Lake Trust mobile app, you’ll need to create an account in Online Banking from a desktop computer first. Head over to our Online Banking enrollment area at laketrust.org/get-online-banking to create a new Online Banking account. You’ll need your account number and the last four digits of your Social Security number to sign up.

Your username and password for Online Banking will be the same for Mobile Banking. Once you set up an Online Banking account on our website, you’ll have access to Mobile Banking.

I am an authorized user on a business account. How do I log in to Online Banking?  

The login for authorized users is whatever the primary business administrator set up. Talk to the primary business owner to get the login information.

How do I deposit a check with Mobile Deposit?  

Check out our handy infographic with all the steps you need to make a deposit.

Why can’t I deposit my check?  

If you tried to deposit a check and received an error message, it could be because:

  • Folded or torn corners
  • Front image is not legible
  • Routing or account numbers are not clear
  • No camera on the device
  • Image is too dark or out of focus
  • Amount entered does not match the amount on the check
Are there checks that I can’t deposit using Mobile Deposit?  

You’ll be sadly disappointed if you try to deposit the following types of checks using Mobile Deposit:

  • Stale-dated checks (six months or later)
  • Checks that are not endorsed by you or a joint account owner
  • Checks with blank payee lines
  • Money orders and savings bonds
  • Checks made payable to someone other than you or a joint account owner
  • Checks made payable to Bearer or Cash
  • Checks drawn off of a foreign institution or payable in foreign funds
  • Suspected or known fraudulent checks
  • Checks made payable to you AND a third party that is not on the account
  • Previously submitted checks through this service or through another institution
  • Checks returned as unpaid
How will I know when the check funds post to my account?  

Immediately after you submit your check images, you’ll get a confirmation number that you can email to yourself. When your deposit is processed, you’ll receive an email notification. Funds may take up to one business day to become available in your account.

What do I do with my check after I use Mobile Deposit?  

We recommend that you keep your check in a safe place for at least 45 days after your Mobile Deposit. We ask that you do this in case there are any issues with the check or deposit. Go ahead and shred the check after this time.

Do I need to sign the back of my check?  

Yes, please sign and write “For Mobile Deposit Only” the back of your check.

What types of devices support Mobile Deposit?  

Mobile Deposit is available for your iPhone®, iPad®, iPod touch® or Android™ phone using the Lake Trust Credit Union Mobile App. Please note: Android™ tablets do not support the app at this time.

How do I know if I’m eligible to use Mobile Deposit?  

All Lake Trust members with an open checking or savings account in good standing are eligible to use Mobile Deposit. Remember to enroll in Online Banking before you download the Lake Trust Credit Union app, as you’ll set-up your login information in Online Banking.

Online Banking

How do I set up an Online Banking account?  

Head over to our Online Banking enrollment area at laketrust.org/get-online-banking to create a new Online Banking account. You’ll need your account number and the last four digits of your Social Security number to sign up. If you need help, give us a call at 888.267.7200 or stop into any branch.

How do I use Purchase Rewards?  

Activate your Purchase Rewards in Online Banking then pay for your purchases with the debit card that’s tied to that account. Here’s how you activate your Purchase Rewards.

How do I disable cookies for Online Banking in Chrome?  

If you don’t want a security code texted or emailed to you each time you log in to Online Banking from a trusted device, you’ll need to disable the cookies in your browser for Online Banking.

  • Go to the Browser Settings menu (the three-line button located at the top right of your screen)
  • Click Settings
  • At the bottom of the screen, select Show advanced settings
  • Click Content settings, located under Privacy
  • Under the Cookies option, choose either Keep local data only until you quit your browser or Block sites from setting any data depending on your preferences
  • Check the box next to Block third-party cookies and site data
  • Click Manage exceptions…
  • In the box under Hostname pattern, type in the Online Banking login address (http://www.laketrustonline.org) and click Done
How do I disable cookies for Online Banking in Internet Explorer?  

If you don’t want a security code texted or emailed to you each time you log in to Online Banking from a trusted device, you’ll need to disable the cookies in your browser for Online Banking.

  • Go to the Internet Options menu (the gear icon at the top right of the screen)
  • Click the Security tab
  • Select Trusted Sites (it should be under a green check mark)
  • Then click Sites
  • Type in the Online Banking login page address (http://www.laketrustonline.org) and click Add.
  • Close out of Internet Options and you’re good to go!
How do I disable cookies for Online Banking in Firefox?  

If you don’t want a security code texted or emailed to you each time you log in to Online Banking from a trusted device, you’ll need to disable the cookies in your browser for Online Banking.

  • Go to the Options menu (the three-line button located at the top right of your screen under the red X) Select Options
  • Click Privacy
  • Under the History panel, change the Firefox will drop down menu to Use custom setting for history
  • Select Exceptions
  • Type in the Online Banking login page address (http://www.laketrustonline.org) and click Allow. Then close the window.
  • You should be back at the Privacy menu. Toward the bottom of the menu, change the setting under
  • Accept third-party cookies to Never. Under that, change the Keep until option to I close Firefox.
  • Click Settings
  • Uncheck the box next to Cookies and click OK
  • Log in to Online Banking, verify your identity and then close Firefox
  • Open Firefox and again log in to Online Banking.

E-Statements

How do I access my E-Statement?  

You have automatic access to E-Statements when you sign up for Online Banking. Log in to your account and select the “E-Statements” link at the top of the Account Summary page.

How do I cancel my E-Statement?  

You can cancel E-Statements at any time. Just notify us through your Online Banking Mail Box.

How do I sign up to get E-Statement email notifications?  

If you didn't provide your email address when you accessed your E-Statement for the first time, then select the "Update Email Notification Address" link in the Online Banking menu.

How do I change my email address for E-Statement notifications?  
  • Log into your Online Banking account
  • Click Options in the menu
  • Enter your Online Banking Password
  • Enter new email address
  • Click Continue
  • Click the E-Statement button on the Accounts Summary screen to enter the E-Statement area of Online Banking. This is the new email address used for E-Statement notifications.
How do I stop receiving paper statements in the mail?  

Complete the Stop Paper Statements form to stop receiving paper statements.

How do I print my E-Statement?  

Click on the "Printable Version" link near the top of your E-Statement. A new window will open with a printable version.

Credit Score and Credit Report

What’s on my credit report?  

A credit report is the collection of account, public record, inquiry and identification information. It also includes your history of taking out and paying loans. Under federal law, you’re allowed to receive one free copy of your credit report from each credit-reporting agency every 12 months.

How do I get a copy of my credit report?  

You can request your free credit report in two ways:

How do I correct an error on my credit report?  

Contact the credit reporting agency and the company that’s reporting the incorrect information to fix an error. Learn more about how to clean up your credit report.

What’s a credit score?  

A credit score is like a quick snapshot of your credit report. Through a mathematical formula, a score is created to predict how likely you are to default on a loan payment. Check out the factors that affect your credit score.

Will shopping for different rates hurt my credit score?  

When there are multiple inquiries for your credit score in a short time frame, it’s assumed that you’re shopping around for a good rate. With the VantageScore model, there is a 14-day rolling window for credit inquiries. This means that you could have multiple inquiries for your credit score, but if they are all made within the 14-day time frame then it’ll only count as one inquiry.

IRA

Are there any tax advantages to having an IRA?  

There is a unique saver's tax credit available for qualifying taxpayers who contribute to an IRA. The credit is in addition to any applicable deduction or exclusion. To claim the credit, you must be at least age 18, not a full-time student, and not claimed as a dependent on another person's tax return. See your tax professional for more information.

Can I have both a Traditional and a Roth IRA?  

Yes, you can. But remember that you have one contribution limit per year which includes both types of IRAs. You cannot contribute the limit to each.

Do I have to make my entire IRA contribution at one time?  

It's up to you. You can make one contribution or you can spread it out over the year.

The above information is not intended as tax advice. Please consult a tax professional regarding your specific circumstances.

NCUA Coverage

Is Lake Trust federally insured?  

Yes, Lake Trust Credit Union is federally insured by the NCUA.

What is the NCUA/NCUSIF?  

The NCUA is the National Credit Union Association. This government agency monitors, charters, and regulates all federal credit unions.

The NCUSIF stands for the National Credit Union Share Insurance Fund, which is operated by the NCUA. Thanks to the NCUSIF, your funds are backed in full faith by the U.S. government up to $250,000 per person per membership at each institution. However, your coverage depends on your specific account ownership. Additional accounts, such as an IRA or trust account, can increase your coverage.

What accounts are covered?  

The funds in share accounts are covered and federally insured by the NCUA. Share accounts include savings, checking, CD, money market, and IRA accounts. Investment and insurance accounts, like mutual funds, stocks, bonds or annuities, are not federally insured.

What are my coverage limits?  

Under the NCUSIF, you are covered up to $250,000 at each federally insured institution. This coverage is a combined total of the balances in all share accounts for each individual under each membership number. Share accounts include savings, checking, CD, money market, and IRAs.

For example, let’s say you had $15,000 in your savings account and $250,000 in your checking account for a total of $265,000. Up to $250,000 is covered in your accounts, which means that $15,000 is not covered. You may want to consider moving the excess funds in your savings and checking account to a new account, like an IRA or trust account, to ensure full coverage of all of your funds.

You can learn more about your coverage limits using a Share Insurance Estimator calculator1 or on the NCUA website1.

How does coverage work for joint accounts?  

When two people are joint on an account with no beneficiaries, funds for each person on the account are covered up to $250,000. For example, let’s say you have a joint checking account with your spouse, and $500,000 is in the account. Your share of the account is covered up to $250,000 and your spouse also has coverage up to $250,000. That means that all of the funds in this account are insured. If the balance exceeds $500,000, you may want to consider moving the excess funds to a new account, like an IRA or trust account, to ensure full coverage of all of your funds.

You can learn more about your coverage limits using a Share Insurance Estimator calculator1 or on the NCUA website1.

Consumer Loans

What can I use as collateral for a secured loan?  

You can use the funds in your Savings or Certificates of Deposit, an automobile, RV, boat, and other items of value for collateral.

If I don’t have anything to use for collateral, can I borrow money?  

You may qualify to borrow money without collateral. This could be a fixed term loan or an open-end loan such as a credit card or Line of Credit.

Direct Deposit

How do I set up Direct Deposit?  

Contact your human resource department to initiate Direct Deposit. Be prepared to provide them with:

  • Our routing number: 272078268
  • Your account number as it appears on your statement or as it appears on documentation that you received when you opened your account.
How do I set up Direct Deposit for government benefit checks?  

You can set up Direct Deposit of a government benefit check (i.e. Social Security or Supplemental Security Income) online1. You can also call the US Treasury Electronic Payment Solution Center at 800.333.1795. If you’re in a branch, we can help you out by sending an electronic enrollment request.

Direct Payment

How do I cancel Direct Payment?  

Notify your billers to cancel your Direct Payment.

How do I have my Direct Payment withdrawn from a new or different account?  
  • Contact the biller directly
  • Complete and submit a new enrollment form to authorize withdrawal of funds from the new account. Approval may take 30-60 days, just as it did when you first signed up.
  • Keep the old account open or cancel the Direct Payment option until all companies have processed the new information
What do I do if I didn't authorize ABC Company to deduct from my account for a Direct Payment?  
  • Contact us at 888.267.7200 or stop into a branch.
  • Sign a Written Statement Under Penalty of Perjury
  • Provide your name, account number, the date of the transaction, and amount of the unauthorized transaction

We’ll re-credit your account for the amount of the unauthorized transaction and charge it back to the originator.

Home Loans

How much does it cost to apply for a home loan?  

You can get pre-approved before find a home. For a pre-approval, Mortgage Center collects $17.50 for a credit report. When you find a home and an offer has been agreed upon, Mortgage Center collects $400 for an appraisal.

Debit Cards

What if my ATM or debit card is lost or stolen?  

Report a lost or stolen card to us immediately by calling 888.267.7200.

Are there any fees when I use my debit card for cash transactions?  

There are no fees when you use your card at ATMs owned and operated by Lake Trust Credit Union or inside the CO-OP Network. Most retailers do not charge a fee. However, when you use your cards at ATMs from other financial institutions, there may be a small fee. See our fee schedule.

How much cash can I withdraw at an ATM?  

You can withdraw up to $500 per day, if there are enough funds in your account. For more detail, please refer to the Terms & Conditions of Your Account.

Does my debit card have a spending limit?  

Your Lake Trust Debit Card has a spending limit of $3,000 per day.

What does it mean when I use my debit card and the clerk asks "debit or credit"?  

When you use "debit", you must enter your PIN after the card has been swiped through a point of sale terminal. With PIN transactions, funds are withdrawn from your checking account when the transaction occurs.

When you use “credit”, it is a non-PIN transaction. Instead of providing your PIN, you’ll sign to verify the transaction. With a signature transaction, funds are held in your checking account at the time of purchase until the transaction posts to your account in one to three days excluding weekends and Federal holidays.

What if a purchase posts to my checking account that I didn't authorize?  

You won't be responsible for unauthorized purchases. If your Lake Trust Debit Card has been lost or stolen, or you suspect unauthorized use, report it to us immediately by calling 888.267.7200.

What do I do if I suspect fraud on my Debit/Credit Card?  

Report any suspicious activity to us immediately at 888.267.7200.

I’m traveling abroad and need help with my debit card. Who can I call for help?  

If you’re already in a foreign country and need help with your card, call us at 973.682.2652. If you haven’t left for your trip yet, call us at 855.671.0078 to place a travel notification on your card. A travel notification lets us know that you’ll be using your card in a different location that normal.

ATM and Cash/Check Hold FAQs

Can I make deposits at ATMs with my Lake Trust debit or ATM card?  

Yes, ATMs with deposit capability allow you to make deposits with your debit or ATM card. You can find ATMs with deposit capability on laketrust.org/locations

Can I deposit cash at an ATM?  

Yes, cash deposited at a Lake Trust ATM will be made available in your account immediately, as long as the ATM doesn’t use envelopes. However, at non-Lake Trust ATMs, cash may be placed on hold because we may not be able to verify what type of funds were deposited right away.

Is there a hold on cash deposited at an ATM?  

There are no holds on cash deposited to a Lake Trust account at a Lake Trust ATM. Cash over $500 that is deposited to a non-Lake Trust ATM may be subject to a one-business day hold. For example, if you deposit $700 in cash on Tuesday, $500 would be made available immediately and $200 would be available on Wednesday.

The hold for deposits made after 6 PM would start the following business day. For example, if you deposit $800 in cash on Tuesday at 7 PM, $500 would be made available immediately and $300 would be available on Thursday. If you need funds available in your account right away, find a Lake Trust ATM near you at laketrust.org/locations.

Can checks be deposited at an ATM?  

Yes, checks may be deposited at deposit-capable ATMs. These checks are subject to a standard hold on amounts over $225. See the questions below for more details.

When I deposit a check at an ATM, how long before the funds are available in my account?  

When you deposit a check at an ATM, $225 is available immediately per deposit. The remaining funds are placed on hold for two business days. For example, if you deposit a check for $2,225 on Tuesday before 6 PM, $225 would be available in the account right away, while the remaining $2,000 would be available on Thursday. If you have questions about this hold, call us at 888.267.7200 or stop in at a branch.

What happens if I deposit at an ATM after hours?  

Deposits made after 6 PM will be considered to be deposited the next business day. This means $225 would still be available to you immediately for check deposits over $225. The two-day hold for any remaining funds would start the next business day.

For example, if you deposit a check for $2,225 on Tuesday at 7 PM, $225 would be available in the account right away. The remaining $2,000 would be available on Friday. Cash deposited at a Lake Trust ATM is available immediately and would show up on your account activity for the next business day. Deposits made after 6 PM on a Friday would be considered a weekend deposit. See the question below for information.

What happens if I make a deposit at an ATM on the weekend?  

Deposits made on a weekend will be considered to be deposited the next business day. Typically, this is the following Monday. If there is a holiday on Monday, then the deposit would post on Tuesday. This means that $225 of a check deposit would be available to you immediately and the two-day hold for any amount over $225 would start the next business day.

For example, if you deposit a check for $2,225 on Saturday or Sunday, $225 would be available in the account right away. The remaining $2,000 would be available on Wednesday, as long as Monday was a business day. Cash deposited at a Lake Trust ATM would be available immediately and show up on your statement for the next business day.

Is a longer hold placed on larger checks?  

Per our Funds Availability Policy, we may place a hold on a check larger than $5,525 due to the amount of the check. With these holds, $225 would be available immediately, $5,300 would be available after two business days, and any remaining funds would available after 5 more business days.

What are my other check depositing options besides the ATM or branch?  

Other options to deposit checks include night deposit (available at select branches) and mobile deposit with our mobile app. The Lake Trust app is available on the App Store1 or on Google Play1.

Overdraft Solutions

What are my overdraft options?  

Account Transfer. By linking your savings account, Money Market Savings, or line of credit (LOC) to your checking account, we can transfer funds to cover a transaction. This may be less expensive than our other overdraft solutions. You may link up to two accounts per checking account.

Courtesy Pay. This is our discretionary standard overdraft solution that comes automatically with your checking account and covers checks and other transactions, such as automatic bill payments or ACH transactions. Fees apply. See fee schedule for more details.

Debit Card Coverage. This covers your everyday (one-time) debit card transactions. Fees apply. See fee schedule for more details. Call us or stop by a branch to opt-in for this service.

What is Debit Card Coverage?  

If you don’t have enough money in your account for an everyday (one-time) debit card transaction to process, no worries! With Debit Card Coverage, we may authorize the debit card transaction to go through for you if you ask us to. This will save you from the headache and hassle of having a transaction declined. Debit Card Coverage does not cover recurring debit card transactions. There is a fee for this service. See fee schedule for more details.

How do I sign up for Debit Card Coverage?  

Stop by any branch or give us a call at 888.267.7200 and let us know that you’d like to enroll in Debit Card Coverage. If you change your mind, you can opt out at any time.

How much does Debit Card Coverage cost?  

There’s a $32 fee for each debit card transaction that is paid when there aren’t enough funds in your account. If you never use your Debit Card Coverage, there’s no charge.

I didn’t opt in to Debit Card Coverage. Why was I charged an overdraft fee when I used my debit card?  

The transaction was most likely a recurring transaction that you set up in advance by using your debit card, such as a subscription (like Netflix, Xbox Live, Amazon Prime, or Blue Apron) or a monthly bill payment (like a gym membership, utilities, or cell phone bill). Opting out of Debit Card Coverage means that we’ll decline everyday (one-time) transactions, like purchases at a store. Since you have to give authorization to a merchant when setting up a recurring transaction, we cannot stop or decline the payment. Contact the merchant to set up other payment arrangements, like using a credit card.

Why am I charged a non-sufficient funds (NSF) fee for my recurring debit card transactions whether or not I opt in to Debit Card Coverage?  

OPTING IN to Debit Card Coverage means you are authorizing Lake Trust to pay your everyday (one-time) debit card transactions and charge an overdraft fee when you don’t have enough funds in your account to cover these transactions. Debit Card Coverage does not cover recurring debit card transactions.

If your account has insufficient funds when a recurring debit card transaction comes in, then your account will be charged an NSF fee regardless if you opted in to Debit Card Coverage or not.

OPTING OUT of Debit Card Coverage means you do not want Lake Trust to pay your everyday (one-time) debit card transactions. These transactions will be declined at the merchant when making a purchase if you don’t have enough funds in your account.

How do you determine if I have enough funds in my account to cover the transaction?  

We look at your actual balance to determine if you have enough funds in your account to cover the debit card transaction.

What is the difference between actual (current) and available balance?  

Your actual balance (also known as current balance) is the amount of money you have in your account. This does not include any outstanding items, such as checks written or debit card purchases authorized but not posted. Your available balance is the actual balance (or current balance) minus any debit card purchases that have been authorized but not yet posted to your account.

The available and actual balances do not include any checks that you have written that have not cleared or posted to your account.

Example: You have a $100 actual balance. You make a $70 debit card purchase, which may put a hold on your account for the purchase amount; so your available balance is now $30 ($100 - $70 debit card purchase) and your actual balance is still $100 ($70 debit card purchase was authorized, but not posted to your account). You then make a $30 debit card purchase using your PIN. PIN-based debit card purchases generally post to your account faster than a purchase without using your PIN.

Your available balance is now $0 ($100 - $70 debit card purchase - $30 PIN debit card purchase). But your actual balance may still be $100 (if it is the weekend) or it may now be $70 ($100 - $30 PIN debit card purchase). When the $70 debit card purchase posts to your account ($100 - $30 PIN debit card purchase - $70 debit card purchase), your actual balance and available balance are $0.

Are there any alternatives to Debit Card Coverage?  

We do offer an Account Transfer option if you’re looking for a less expensive alternative to Debit Card Coverage. This means we’ll try to pull money from your savings account or line of credit if your checking account doesn’t have enough money to cover a transaction. Keep in mind, however, that a debit card transaction will be denied if you don’t have funds in your savings account or line of credit.

What’s the fee for an Account Transfer to cover an overdraft?  

There’s a $5 account transfer fee per transfer for personal accounts. There’s a $10 account transfer fee per transfer for business accounts. See our fee schedule to learn more.

What is Courtesy Pay?  

Courtesy Pay covers any checks, bill payments, or automatic payments that pull directly from your checking account (ACH payment). With Courtesy Pay, you don’t have to worry about bounced checks or late bill payments.

How is Courtesy Pay different from Debit Card Coverage?  

Courtesy Pay automatically comes with your checking account, so you don’t have to opt in. Courtesy Pay covers electronic payments or a transaction done with a check that pulls directly from your checking account. It does not cover debit card transactions. However, Debit Card Coverage does cover everyday (one-time) debit card transactions.

Will my transaction always be covered?  

We pay overdrafts at our discretion, which means we don’t guarantee we’ll always authorize and pay a transaction. If we don’t authorize and pay an overdraft, your transaction will be declined.

How much does Courtesy Pay cost?  

There’s a $32 fee for each check, automatic bill payment, or ACH transaction that is paid when there aren’t enough funds in your account. If you never use your Courtesy Pay, there’s no charge. However, you may still incur an NSF fee (see question above). See fees on our fee schedule.

Digital Wallet

Is digital wallet safe to use?  

Yes. Your device does not store your physical debit or credit card numbers. Instead, a unique transaction code is generated each time you make a purchase using your digital wallet. A PIN, fingerprint scan, or face scan is required to verify your identity before a purchase is made. Learn more about the specific privacy features of your wallet by checking out the security pages for Apple Pay1, Google Pay1, and Samsung Pay1.

How do I add my cards to my digital wallet?  

Go to the Wallet app on your smartphone or tablet, or download your preferred digital wallet app. Choose the option to add a new card and follow the on-screen instructions. After a few minutes, you should be ready to use your digital wallet. For help, check out how to add your debit or credit card to Apple Pay1, Google Pay1, or Samsung Pay1.

What do I do with my cards after I add them to digital wallet?  

Your physical debit and cards are still active after you add them to digital wallet. That means you can still use your debit and credit cards at any store. If you don’t plan on carrying your physical cards with you, however, make sure you secure them in a safe location (like a home safe).

What if I lose my Lake Trust Debit Card or my Lake Trust Credit Card?  

If you lose your physical debit or credit card, give us a call at 888.267.7200 and we’ll deactivate your card. You can also shut off your card in the CardValet app. It’s a good idea to shut off your card as soon as you notice that it’s missing to prevent the potential of any unauthorized transactions.

What if I lose my device with my digital wallet on it?  

You have to use your Touch ID or enter a passcode before you make a purchase using your digital wallet. However, it’s still a good idea to turn off your card until you find your device. Give us a call at 888.267.7200 to let us know what happened. We can turn off your card to prevent potentially unauthorized transactions. You can also use the CardValet app to shut off your card if you have it installed on another device.

Where can I use my digital wallet?  

Digital wallet payments are accepted at thousands of stores worldwide, online, and within many apps. Look for the Apple Pay, Google Pay, or Samsung Pay symbol at the checkout terminal at your favorite store to see if they accept digital wallet payments. Open your digital wallet on your device and follow the instructions on the screen to make a payment. Learn more about where you can use Apple Pay1, Google Pay1, and Samsung Pay1.

If I had my credit card added on my mobile wallet do I have to enroll again after I get my new card?  

Yes, you'll need to set up your credit card in your digital wallet again because you'll have a new card number.

Visa® Reloadable Cards

As of October 1, 2018, this product is no longer available for purchase and funds can no longer be added to existing cards.

Reloadable Cards Terms & Conditions

How do I know the balance on my Visa® Reloadable Card?  

You can check your balance online at the PSCU website1. You may also call 866.760.3156 - please refer to Reloadable Cards Terms & Conditions for applicable fees.

Are there any transaction limits? 

Purchase transactions are unlimited, up to the balance remaining on your card. However, for the protection of our cardholders, there are limits to the number and dollar amount of ATM withdrawals, and cash advances performed within a certain time period. To learn more about the current limits, refer to your Terms and Conditions. While Visa Reloadable Cards are no longer available for purchase and can no longer be reloaded they can continue to be used until funds on the card are depleted.

Why was my Visa® Reloadable Card declined? 

Any authorization request that is greater than the card's available balance will be declined. However, there can be times when a Visa® merchant puts an item through without prior authorization. If an overdraft occurs, the cardholder will be required to make a payment to Cardholder Services to cover the negative amount.

How do I find an ATM when I travel with my Visa® Reloadable Card? 

Check out our ATM locator or use the ATM locator found at VISA.com1 for participating Visa® ATMs, both domestic and abroad.

What is the exchange rate when I get to another country? 

The exchange rate is determined by the rate of exchange on the date of purchase. Using your Visa® Reloadable Card at an ATM can be less expensive than using a currency exchange to get foreign currency.

Visa® Gift Card

As of October 1, 2018, this product is no longer available for purchase and funds can no longer be added to existing cards.

Visa® Gift Card Terms & Conditions

How does a Visa® Gift Card work? 

It can be used at most places Visa® debit cards are accepted. Because it’s a prepaid card, spending is limited to the amount of money on the card. When the recipient makes a purchase with the Gift Card, the purchase amount is deducted from the card balance.

Can I check the balance on my Visa® Gift Card? 

You can check your balance and transaction history 24/7 by visiting the PSCU website1 or by calling 866.902.6082 and using the automated phone system. You’ll need the account number found on the front of your card. A merchant can't tell you how much money remains on the card. Knowing your balance before use will help ensure your card is accepted. 

What should I do if my Visa® Gift Card is lost or stolen? 

If your Card is lost or stolen, call 888.267.7200 or stop in to any of our branches. You’ll need to provide the account number to cancel the Gift Card.

What should I do if there has been a transaction error on my Visa® Gift Card? 

If you think there’s an error, such as a purchase that you don’t recognize, just call 866.902.6082.

Save to Win CD

What kinds of prizes can I win with a Save to Win CD? 

Monthly prizes will be awarded among all participating credit unions. Monthly prizes include the following:

Partnership Monthly Prizes: Winners will be randomly selected between all eligible account holders at all credit unions participating in the Save to Win program. A complete list of prizes and other information can be found on the www.savetowin.org1 website.

Lake Trust Credit Union Monthly Prizes: Winners will be randomly selected between all eligible account holders at Lake Trust.

  • Two (2) $100 Cash Prizes
  • Two (2) $50 Cash Prizes
  • One (1) $25 Cash Prize
Can my deposits to a Save to Win be for any amount? 

Yes. The number of prize entries is based on the increase in your monthly balance. You'll receive ONE entry in the monthly prize drawing for every $25 increase in monthly balance in the account. The maximum number of entries per member per month is 10.

If I deposit $100, then withdraw the money within a short time, do I still get four chances to win prizes? 

If you deposit $100 within the month and then withdraw it after the drawing, then you will not receive any entries for the following month. Any withdrawal (including the penalty) that exceeds the deposit for the month will disqualify you from the drawing. Your balance must go up by at least $25 in order to qualify for the drawing. For example, to receive an entry for the following month you will need to re-deposit the $100 plus an additional $25 to receive one entry in the drawing. There is only ONE withdrawal allowed during the term of the certificate (12 months) with a $25 penalty fee.

What day will the drawings for the monthly prizes be held? 

Drawings for monthly prizes will be conducted within fourteen days of the end of the month. For example, the drawing for July's entries will be held in August.

When and how will I receive my monthly prize? 

Winners will be notified by phone during the following month. For example, if you win July's monthly drawing, you'll be notified in August. The monthly cash prizes will be deposited to your savings account as interest and be listed as an Interest Adjustment.

Can I win multiple prizes? 

You cannot win more than one prize in a month, but you can win multiple months and even consecutive months. All monthly prize winners are eligible for the grand prize drawing.

Certificate of Deposit (CD)

What if I put all my funds into a CD and there’s an emergency and I need some money? 

If you need extra cash from your traditional CD, you can withdraw the amount you need, starting at a minimum of $1,000, but there is a penalty on the amount you withdraw early:

  • 3 to 23-month CD: 90-day interest penalty
  • 24 to 72-month CD: 180-day interest penalty
What happens when my CD matures? 

You'll receive a notice 30 days before your CD matures that explains your options. Unless you choose not to renew, we'll automatically reinvest your funds for the same term at the current interest rate. In either case, you have a 10 business day grace period after the maturity date to withdraw all or a portion of your money without penalty.

1Third party website. Lake Trust Credit Union is not responsible for the content, availability, security or compliance of any linked third party websites. In addition, the site's privacy policies may differ from those of Lake Trust.

Credit Cards

How will the person who is joint on my account receive their new card?  

All of our new credit cards will be mailed in separate envelopes to the primary member's address.

When is my credit card payment due?  

All credit card payments are due on the the 4th of the month.

How do I make a credit card payment?  

If you mail in a credit card payment or set up a Bill Pay, please send your payment to: Lake Trust Credit Union PO Box 2711 Omaha, NE 68103-2711. Use your credit card number as the account number when making payments. You can also mail in your payment coupon and a check to this address.

I’m being asked for an account number to make my credit card payment, what number do I use?  

Just use your credit card number as the account number when making payments on your card.

How long will my credit card E-Statements be available?  

Your E-Statements will be available for 12 months. You’ll need to log in to Online Banking see your statements. If you need an older statement, give us a call at 888.267.7200 or stop by any branch and we can help you out.

If I have a Rewards credit card, how do I redeem credit card rewards points?  

Log in to Online Banking and choose the credit card option to view your credit card redemption options. You can cash in your points for cash back, gift cards, discounts on gas, or book travel and experiences with a live travel agent service.

How do I dispute a credit card transaction that I didn’t do?  

You can call us anytime at 888.267.7200 to dispute a transaction. Follow the prompts on the phone for credit and then choose the option to dispute a transaction.

How long will new E-Statements be available on the new system?  

Your E-Statements will be available for 12 months on our new credit card site (you’ll still need to log in to see your statements). You won’t see any statements prior to May 20, 2019. If you need an older statement, give us a call at 888.267.7200 or stop by any branch and we can help you out.

If I had my credit card added on my mobile wallet do I have to enroll again after I get a new card?  

Yes, you'll need to set up your credit card in your digital wallet again if your new card has a new card number.

1Third party website. Lake Trust Credit Union is not responsible for the content, availability, security or compliance of any linked third party websites. In addition, the site's privacy policies may differ from those of Lake Trust.

Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries.

Google Pay is a trademark of Google LLC.

Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd.

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