Lake Michigan Credit Union’s
Mobile Web and Text Banking
services allow you to access your
accounts anytime, anywhere from
your mobile device. This guide
addresses commonly asked
questions and provides general
information about these services.
Mobile Web
• What is Mobile Web?
• What is the cost of Mobile Web? • What is needed to use Mobile Web? • How do I access Mobile Web? • Are my mobile transactions secure?
• What happens if I am no longer able to access Mobile Banking? • Why can’t I access Bill Pay (or other features) within Mobile Web?
Text Banking
• What is Text Banking?
• What’s the difference between Text Banking and Mobile Web? • How do I sign-up for Text Banking?
• Is any personal information exchanged? • How much does it cost to use Text Banking?
• Are there any phones not supported by Text Banking? • What number do I send text messages to?
• What commands can I text to LMCU?
• How long does it take to get a text in response? • Why did I get more than one message in response?
• What do I need to do if I change my mobile number or carrier? • Who can I call for help?
Mobile Web
Our mobile website provides a streamlined LMCU.org user experience customized for mobile browsers. Features include:
• Access to Home Banking* • Branch and ATM Location Finder • Rate Specials
• LMCU Contact Information
Just go to www.lmcu.org on your mobile device and you will be automatically redirected to our mobile website.
*Home Banking experience varies by mobile device. Some browsers may not have access to all home banking features.
What is Mobile Web?
There are no fees for Mobile Web; however, your carrier’s standard data and text message rates apply.
What is the cost of Mobile Web?
You will need a Lake Michigan Credit Union account that is enrolled in Online Banking and a mobile device that can access the Internet.
What is needed to use
Mobile Web?
Visit mobile.lmcu.org on your device’s internet browser.
By adding mobile.lmcu.org to your bookmarks list, you can save time accessing the site with future visits.
How do I access Mobile Web?
Yes, when you sign into online banking using Mobile Web, it provides the same level of secure encryption as offered by a personal computer connected to online banking.
Are my mobile
transactions secure?
On rare occasions, a user may experience issues with entry fields or viewing text and graphics. If this happens, first turn your phone off and then on again. If the problem persists, try clearing out the internet cache on your phone. An explanation on how to do this is in your phone’s in-struction manual or check with your carrier for more information.
What happens if I am no longer
able to access Mobile Banking?
Mobile Web experience varies by mobile device. Some browsers may not have access to all home banking features.
Why can’t I access Bill Pay (or
other features) within Mobile Web?
Text Banking
Text Banking is a simple way to get balance and transaction information in real time. Simply text a command to txt@lmcu.org and we’ll text you a response with the requested information. For example, if you text BAL to txt@lmcu.org, we’ll text you back with information on all your share and loan accounts. Get started by signing in to Home Banking, then click to enroll in Text Banking and agree to the applicable terms and conditions.
What is Text Banking?
Text Banking uses text messaging. It provides quick and simple access to balance, payment and due date information. You request informa-tion, by text message, to be sent back to you in a text message. Mobile Web allows you to do more things like view transaction history, make payments and transfer funds. To use Mobile Web requires an internet browser and data plan.
What’s the difference between
Text Banking and Mobile Web?
To enroll, you’ll need to sign-up for Text Banking by accessing your LMCU account in Online Banking. Upon entering your mobile number, you will be required to text a confirmation code to txt@lmcu.org to complete the enrollment process.
How do I sign-up for Text Banking?
Text responses include your balance and transaction information but do not include your full account number, PIN, email or personal address, your Online Banking ID or Passcode. Plus, you can only access your ac-count from the mobile numbers you have enrolled.
Is any personal
information exchanged?
LMCU offers Text Banking free of charge. However, your mobile carrier’s standard data and text message rates apply. Please check with your provider for specific details.
How much does it cost to use
Text Banking?
Text Banking does not support VOIP, international numbers and many prepaid phones. Additionally, some mobile service providers do not sup-port text messaging, which is needed for Text Banking.
Are there any phones not
supported by Text Banking?
Send texts to txt@lmcu.org. Many users find it convenient to set-up txt@lmcu.org as a contact in their phones address book for quick and easy access. Do not send confidential information to txt.lmcu.org.
What number do I send text
Text Banking
(continued)
Text Us CHKXX Example: CHK01 CHK SAVXX Example: SAV00 SAV LOANS LOANSXX Example: LOANS01 BAL MTG LS CC helpWhat commands can I text
to LMCU?
Example texts
Text: CHK01 to txt@lmcu.org
Response: Available balance information for Share 01 (typically primary checking )
Text: LOANS to txt@lmcu.org
Response: Due date and payment amount for all consumer loan
To Find Out
Available balance for a specific checking account/ share. XX = share suffix found on monthly statement or within online banking.
Available balance for all deposit accounts (checking, savings, money market, CD, IRA, Holiday Club accounts) Available balance for a specific savings account/share. XX = share suffix found on monthly statement or within online banking.
Available balance for all deposit accounts (checking, savings, money market, CD, IRA, Holiday Club accounts) Due date and payment amount for all consumer loan accounts (excludes 1st Mortgage, Auto Leases, and Credit Cards)
Due date and payment amount for a specific loan ac-count. XX = loan suffix found on monthly statement or within online banking.
Full list of all Checking, Savings and Loan command information listed above
Due date and payment amount for 1st Mortgage account
Due date and payment amount for Auto Lease account Available balance, due date and payment amount for all credit card accounts
Text Banking
(continued)
Why did I get more than one
message in response?
Sometimes, we are unable to send all the information you’ve requested in one message. Because text messages are limited to 140 characters, we may text you more than once when it exceeds this limit.If you change your number, you’ll need to visit Online Banking and edit your phone number within the Text Banking menus. If you keep the same number, but change to a new mobile service provider, you’ll need to sign in to Online Banking, un-enroll then re-enroll your number.
What do I need to do if I change
my mobile number or carrier?
Text help to txt@lmcu.org or call Member Services at (616 or 800) 242-9790.
Who can I call for help?
Cancel Text Banking immediately. There are two ways to do this: 1. Call customer service at (800) 242-9790
2. Sign in to Online Banking and access the Text Banking menu. Select the “Remove a Phone Number” option and then select the phone number for the lost phone.
If you later find your mobile device, you can re-enroll that same mobile number.
What do I do if my mobile phone is
lost or stolen?
Typically, responses take less than a minute but exact response rates vary by mobile carrier and network traffic.
