General:
Online Banking:
Web BillPay:
OneView:
Vehicle Lease:
Can I reorder checks online?
Yes you can. Simply click on "Products and Services" and click on either "Checking" or "Online Services" in the drop-down menu. These pages contain a convenient link that takes you directly to the Check Order site.
Once you're there, you can quickly reorder checks by entering your Start Number and Unique Reorder ID number*. Then, simply click the Log On button. Once you are logged in you can even browse for and change you check style!
*(Your Start Number and Unique Reorder ID number are found on the reorder form attached to the last stack of checks in your box)
NOTE: There is a link on the Check Reorder page that allows you to "Browse the check catalog" without logging in. You must log in to place an order.
What are the hours of operation for the LFCU branches?
The hours of operation for our branches vary. To find the hours for the branch nearest you, simply click on "About Us", followed by "Locations", and finally Full Service Branches. This page provides information about each LFCU branch, including maps, hours of operation, contact numbers, ATM availability, and much more.
Where are LFCU's branches and are directions available?
LFCU's branch locations vary. You can locate the branch nearest you by clicking on "About Us", followed by "Locations", and finally Full Service Branches. This page provides information about each LFCU branch, including maps, hours of operation, contact numbers, ATM availability and much more.
Which branches have Safe Deposit boxes?
The Burbank branch is the only location offering Safe Deposit boxes at this time. For more information on what services are available at each LFCU branch, visit the Full Service Branches page.
Do all LFCU branches have ATMs?
Yes, each full-service branch has at least one ATM. However, there are a few Satellite Branches that do not have ATM's. We do offer FREE ATM's at many area locations, in addition to the branches. Visit the Locations page for specific branch deposit-taking and surcharge free ATMs.
Do all LFCU branches have Night Drop boxes?
All full service branches have Night Drop boxes. Locate the branch nearest you by clicking on "About Us", followed by "Locations", and finally Full Service Branches.
What are the Fax numbers for branches and specific departments?
Both FAX and contact numbers are available on the Full Service Branches page. To locate this page, simply click on "About Us", followed by "Locations", and finally Full Service Branches. If you need to send a FAX to a specific department, you will need to contact that department directly.
Can Identity Theft be prevented?
Identity thieves can steal your financial information in a variety of ways -- "phishing" (fraudulent e-mails), phone calls requesting "verification" of your account, credit card and Social Security numbers, ATMs rigged to intercept magnetic strip data and many more. Check out our Fraud Prevention section for tips on reducing your odds of being victimized, information on how to report fraud, and updates on the latest scams.
What are the minimum computer requirements to use Online Banking?
There is only one absolute minimum requirement to use Online Banking; your computer must have a Browser that is 128 bit encrypted. The following guidelines are minimum recommended hardware levels. If your PC is at or below these specifications, it will perform slowly or may not work at all.
- Processor: 350mhz (or MAC equivalent)
- Physical Memory: 64 megabytes
- Video Memory: 8 megabytes
- Free Hard Disk Space: 500 megabytes
- Connection To Internet: 56K modem or Broadband
- Windows 98 (or MAC version equivalent)
Will my anti-popup software have any effect on Online Banking?
There are many items within Online Banking that "pop-up" in a new window. If you experience any problems, disable your anti-popup software before logging in to Online Banking.
Can I reorder checks within Online Banking?
Unfortunately, because the Online Banking and Check Order systems are very different, it is not possible to reorder checks through Online Banking. Click here to learn how to order checks online through the LFCU Web site.
Can I print your web pages without the graphics?
At this time we do not offer "print friendly" versions of any pages on our Web site. Follow these simple steps to avoid printing graphics:
- Highlight the area of the page you wish to print
- Click on File at the top, then click on Print
- Choose "Selection" in the print window that appears
- Click on the Print button
Why do my check images within Online Banking print so large?
Images should print correctly if you use the Print button on the screen instead of right clicking and selecting print.
Why do I receive an error when I try to transfer funds?
If you try to perform a type of transaction that is not permitted by the system, you may receive a generic error message. Transaction errors occur for a variety of reasons and may not result in an error message that explains what went wrong. For example: You may not transfer funds from your VISA account to a vehicle loan, this is considered a loan to loan transaction and is not a valid electronic transaction. The error returned would simply be the word ERROR followed by string of numbers.
Two things should be noted about electronic transfers:
- All of your accounts will show in the "From" menu even if you cannot transfer money from that account. This is a limitation of how accounts are currently displayed in the transfer menu.
- The two most common situations that will return an error are, trying to transfer money from one loan directly to another loan (i.e. VISA to loan) and transfers in excess of Reg D limitations on number of withdrawals per month from certain types of savings accounts.
How do I set up Quicken to use the Web Connect feature?
Follow these simple steps to use the Web Connect (Online Services) feature...
- Access the account register (snapshot)
- Verify financial institution name within "Overview" tab. Edit if not entered. (snapshot)
- Click "Set Up Online" (snapshot)
- Log in to Online Banking (snapshot)
- Download the "QFX" format (snapshot)
For more advanced help, click HERE.
How do I set up MS Money to use the Web Connect feature?
Follow these simple steps to use the Web Connect (Online Services) feature...
- Open Money and click on "Update Now" (snapshot)
- After completing update, Go to "Online Services Manager" (snapshot)
- Click "Change financial institution" (snapshot)
- Select LFCU from the list (snapshot)
- You will be presented with access information. (snapshot)
- Verify LFCU is setup correctly in "Online Services Manager" (snapshot)
- Verify the LFCU logo appears on account register window. (snapshot)
You can now use the link on the "Favorites" list within Money to log into Online Banking and download a specified date range. Be sure to select the MS Money (OFX) format. Download information will show just below our logo after a successful download, including the number of items to review.
Browser configuration and cookie related errors:
When trying to login to Online Banking, if you receive an error similar to: "Browser configuration error" and/or "Your browser is not set to accept cookies" even when your browser is set to accept cookies, you may be able to rectify these issues by adding us to your "Trusted Sites". For Internet Explorer, this is done by going into the "Internet Options" found on the "Tools" menu, then click on the "Security" tab, click on "Trusted Sites" in the small window, click on the "Sites" button just below the window, and then "Add" this address https://ib.lockheedfcu.org to the zone.
How do I sign up for Web BillPay online?
Go to the Getting Started page to sign-up for Web BillPay. You can also view a demo of the service before signing up.
Why can't I view my e-Statements?
If you are receiving an error similar to this one... (IE cannot download... active URL = TRUE&dummy = dummy.pdf) then there is a good chance you are using Internet Explorer 6 with no Service Packs (SP1) installed. If you are not sure what browser version you are using or what service packs are installed... Open Internet Explorer, click on "Help" and then "About Internet Explorer". If you need to install SP1, go to www.microsoft.com/IE *Note-- This service pack is for IE-6 only.
Why do I get an error: "This page cannot be displayed" at login?
There is more than one reason this can happen, here are the most common reasons with possible solutions for each:
- Bad Cookie -- Delete all cookies, open Internet Explorer, go to "Tools" then " Internet Options", we recommend that you delete cookies and all of the Temporary Internet Files while you are here.
- You are using Internet Explorer 6 with no service packs installed -- If you are not sure what browser version you are using or what service packs are installed... Open Internet Explorer, click on "Help" and then "About Internet Explorer". If you need to install SP1, go to www.microsoft.com/IE *Note-- This service pack is for IE-6 only.
- There may be a bad "address" stored in a router belonging to your Internet Service Provider between your computer and our servers -- Contact your Internet Service Provider.
Why do I receive an error when I try to transfer funds?
If you try to perform a type of transaction that is not permitted by the system, you may receive a generic error message. Transaction errors occur for a variety of reasons and may not result in an error message that explains what went wrong. For example: You may not transfer funds from your VISA account to a vehicle loan, this is considered a loan to loan transaction and is not a valid electronic transaction. The error returned would simply be the word ERROR followed by string of numbers.
Two things should be noted about electronic transfers:
- All of your accounts will show in the "From" menu even if you cannot transfer money from that account. This is a limitation of how accounts are currently displayed in the transfer menu.
- The two most common situations that will return an error are, trying to transfer money from one loan directly to another loan (i.e. VISA to loan) and transfers in excess of Reg D limitations on number of withdrawals per month from certain types of savings accounts.
How soon are my bills paid with Web BillPay?
Web BillPay uses the "Due Date" payment model. This means the service will display the exact date your payment will be received by the payee. This due date is the same date that the payment amount will be debited from your account.
In order for your payments to be processed and delivered in accordance with your requested Due Date, the payments must be set up in advance. The payment setup must be completed a minimum of 4 days prior to the Due Date, and longer if a weekend or holiday is involved.
Why is only one account listed in the Account Transfer Tab?
Since there is an account transfer function in Online Banking, this function was effectively disabled in Web BillPay.
What is a laser draft?
Depending on the circumstances, Web BillPay can decide to send a laser draft instead of a purely electronic payment. A laser draft is printed with your checking account number and routing number on it and is similar to a personal check. The laser draft will clear after the payee has signed and deposited it, so there is no specific date as when your account will be debited for the payment.
What are email payments?
An email payment is a convenient new way to send money to any individual who has a valid U.S. bank account. The recipient of the funds can retrieve your email payment as long as he or she is also enrolled in the same CheckFree Web BillPay service offered by LFCU or another institution. If the recipient is not already enrolled, you can invite the recipient to join CheckFree's email payment service.
When I log in to Web BillPay I receive a message saying: "First, you must log in from an authorized site." I thought I was doing so by logging into Web BillPay through Online Banking!
This issue is related to the default privacy settings in Microsoft Internet Explorer version 5.0 - 5.5 and 6.0. The following steps should correct the problem:
Internet Explorer 5.0 - 5.5
Explicit Option
- Start Internet Explorer
- Open the "Tools" menu
- Select the "Internet Options" menu item
- Select the "Security" tab
- Select the "Trusted Site" Icon
- Select the "Sites" button
- Type "bills.epscu.com" in the "Add this web site to the Zone:" field
- Select the "Add" button
- Select the "OK" button
- Select the "OK" button on the "Security" screen
Blanket Option
- Start Internet Explorer
- Open the "Tools" menu
- Select the "Internet Options" menu item
- Select the "Security" tab
- Select the "Custom Level" button
- In the "Reset Custom Level" drop down select "Medium-low"
- Select the "Apply" button
- Select the "OK" button
Internet Explorer 6.0
Explicit Option
- Start Internet Explorer
- Open the "Tools" menu
- Select the "Internet Options" menu item
- Select the "Privacy" tab
- Select the "Edit" button in the Web sites section
- Type "bills.epscu.com" in the "Address of Web site:" field
- Select the "Allow" button
- Select the "OK" button
- Select the "OK" button on the "Privacy" screen
Blanket Option
- Start Internet Explorer
- Open the "Tools" menu
- Select the "Internet Options" menu item
- Select the "Privacy" tab
- Slide the "slidebar" button down to "Low" in the "Settings" section
- Select the "Apply" button
- Select the "OK" button
Performing any of these options will allow you to use the Web BillPay application.
How can I use Web BillPay with my Macintosh?
All of the newer versions of Netscape browsers are compatible with Web BillPay. At this time however, Internet Explorer for the Macintosh is not.
Why am I being contacted by CULA?
CULA is the lessor, or owner, of your vehicle. The credit union is the lender or the lien holder on your vehicle until such time as all your lease payments have been made. Since CULA is responsible for the vehicle at lease-end, their CSRs will be in touch with you to guide you through your options as your lease approaches its end. They will explore all the options available to you and help coordinate the necessary actions.
In what situations do I need to contact CULA during my lease?
Make sure you contact CULA if you intend to move, if your vehicle is in an accident or stolen, or if you are considering turning in or trading in your vehicle to a dealer. If these events arise, a CULA CSR will help you understand the changes to your payment, help maximize the payoff from your insurance company, or explain your options in terminating your lease. Contact CULA at 1-800-878-5400.
What if my vehicle is stolen or destroyed?
CULA provides, at no cost to you, GAP coverage to minimize your exposure for loss in these instances. In order to qualify, you must maintain the necessary insurance coverage required by your state of residence and comply with the requirements of your vehicle lease agreement. To ensure that this coverage is in place for you, it is imperative that you contact CULA in the event of an accident, when your address changes, or when you change your insurance coverage or carrier. Contact CULA at 1-800-878-5400.
What if I move to another state or taxing jurisdiction?
Changing taxing jurisdictions like city, county or state can alter your monthly lease payment. Not all jurisdictions charge the same sales tax, nor do they have the same insurance requirements. Also, it is important for you to know that CULA does not allow its leased vehicles to be garaged in certain states or taken out of the country. For these reasons and more, it is absolutely necessary for you to contact your CULA CSR prior to any move. Contact CULA at 1-800-878-5400.
Can I take my leased vehicle out of the United States?
CULA cannot provide permission for leased vehicles to be taken into Mexico at any time, for any reason, or with any additional insurance purchased by the lessee. However, permission to take the leased vehicle to Canada may be given with written authorization from CULA in advance and the appropriate insurance documentation as required.
I want to purchase my vehicle at lease end; what price will I pay and what is the process?
Your lease agreement specifies the terms under which you may purchase your vehicle. The purchase price includes a purchase option fee, any remaining lease payments, any applicable late charges, and any fees, sales tax not already included, or taxes imposed by the transaction. Contact your CULA CSR for pricing at 1-800-878-5400.
Can I turn in my vehicle early?
Yes, if you have made all payments due under the terms of the lease agreement and it is within 6 months of the scheduled termination date. Contact CULA at 1-800-878-5400.
Can I convert my lease to a loan?
Yes, as long as the loan is approved by the Credit Union. The loan is based on the current payoff plus the purchase option fee, any late fees, NSF fees, accrued interest, and any official fees or taxes imposed unless you choose to pay these fees upfront. Contact the Loan Phone Center at 1-800-328-LFCU (option 2), or your Branch Financial Service Officer or apply online.
Can someone "Assume" my lease?
Yes. Assumption approval is at the discretion of the credit union, assuming that the new lessee lives in a state acceptable to CULA. A lease assumption fee is charged and can be paid by either lessee. Additional fees may apply and are collected upfront. Contact CULA at 1-800-878-5400 for more information or, to start the Assumption process, contact Lockheed Federal Credit Union at 1-800-328-LFCU, ext. 5020.
Can I skip my monthly lease payment?
No. A lease term cannot be extended as a loan term can. All payments are to be made in order.
What are my options at lease end?
You have several options, a few of which are named here:
- Purchase your vehicle
- Trade in or sell your vehicle
- Turn in your vehicle
Contact CULA at 1-800-878-5400 to discuss these options and the fees associated with them.
I am ready to return my vehicle; where do I return it and when?
It is important to contact CULA before turning in your vehicle. Your CULA CSR will work with you to set a time and place for you to do so. Contact CULA at 1-800-878-5400.
My lease agreement shows a disposition fee; what is a disposition fee and can it be waived?
In accordance with your lease agreement, a disposition fee is charged at the end of your lease if you do not purchase the vehicle. The fee cannot be waived.
What should I expect from the vehicle inspection?
The vehicle must be in good condition, except for normal wear and tear. Basically, this means you are responsible for broken, dented or missing car parts, paint chips or scratches, as well as glass breakage.
The interior will also be inspected; this will include burns or tears in the upholstery and stains that cannot be removed.
If the odometer exceeds the allowed mileage as stated on your lease agreement, an excess charge will be assessed.
Contact CULA at 1-800-878-5400 for further information.
What fees are due at lease end?
A disposition fee will be due and billed to you at lease end. The disposition fee is disclosed on the lease agreement in section 2(c) and further explained on the back of the lease agreement titled, "Scheduled Termination Liability." Excess wear&tear and mileage charges may also apply.
