Close this search box.



When we say “free checking”, we mean free checking. With an LCCU checking account, you get checking with no minimum balance requirements, fees or other hidden restrictions…we check all the boxes. Just a simple, straightforward checking account full of features like online banking, mobile apps, and much, much more.

The LCCU Cards App will enable you to access your Debit Card account anytime anywhere, 24/7!

  • Check your account balance
  • Lock or unlock your card
  • Report card lost or stolen
  • Analyze your spending
  • Review your payment history & statements
  • Set-up travel notifications
  • Customize your notification alerts
  • Create cards controls (e.g. spend limits, transaction types)
  • And many more…

Get the LCCU Card Management App today!


With our LCCU mobile banking app, you can make a remote deposit using your phone’s camera, transfer funds, check balances, view transaction history, search for CO-OP shared branching and ATM locations. All from your mobile device.


No monthly service charges

No per check charges

Debit cards and ATM Cards

Ready to make the switch? Switching to LCCU is easy!

Digital Wallets Are Here:

Digital Wallets are now available for our Visa Debit & Credit cards. Add your card to your compatible smart phone device: Apple Pay, Google Pay, Samsung Pay, Fitbit Pay and Garmin Pay.

Digital Wallets offer a convenient way to make contactless payments at participating grocery stores, gas stations, pharmacies, retail locations and more!

Set up your cards today!

LCCU DEBIT CARDS…Secure. Convenient. Smart.

Shop online or in-store with confidence knowing your LCCU Debit Card ensures secure and convenient transactions. Your debit card includes chip technology, a microchip embedded in the card adds a new layer of protection against fraud for purchases made at the point of sale. Information programmed into the chip is personalized for your account and each transaction generates a unique code, adding an extra safeguard against unauthorized use and counterfeiting. These cards are already in wide use around the world and are now becoming the standard in the U.S.


Shop worry-free and confidently with our security protections.

  • Contactless convenience for touch-free purchases
  • Chip Technology encrypts your transactions to safeguard personal information
  • Freeze/Unfreeze service from the LCCU Cards App to keep others from using your card if lost
  • 24/7 fraud monitoring
  • Safer than cash or checks


Whether you’re shopping online, over the phone, or in stores, you can use your Debit Card everywhere Visa Cards are accepted.

  • No minimum purchase amount
  • Accepted at millions of merchants worldwide
  • Compatible with Apple Pay®, Samsung Pay® and Google Pay
  • Skip the ATM, get cash back at the register


See a charge you don’t recognize? It’s much easier to communicate directly with the merchant where the charge originated from about the unrecognized transaction. Most of the time they are able to offer a credit/refund.

It’s also important to note, that not every transaction you don’t recognize means your identity has been stolen. Kids often make purchases online without their parents’ knowledge and many people don’t remember to cancel subscriptions after a free trial ends.

However, if fraud is suspected on your debit or credit card, it is important to contact us immediately to help resolve the issue quickly.

We have a list of contact information for common merchants on how to dispute a transaction with them.


Switching to LCCU is easy! Our switch kit includes everything you need to help you make a smooth transition. Stop by local branch or call us today to open a new Checking Account. It only takes 10 minutes!

Debit Card Support 866-563-4010  |   Card Activation and PIN 866-985-2273

Lost or Stolen Card 866-563-4010 or 208-746-7233  |   Report Debit Card Fraud 888-918-7313