At Latino Community Credit Union, we’re committed to enhancing your EXPERIENCE. That’s why we’re excited to bring you MORE this September 2024.
Over the next few months, we will elevate our credit union to provide you with even more convenience, services, and control over your accounts. This new experience isn’t just about change; it’s about empowerment. We’re dedicated to delivering improved security measures, enhanced services, and greater account management convenience. Every aspect of Experience More is geared towards equipping you with the tools you need to achieve your financial goals.
Keep reading and explore how your financial well-being is our top priority. We also invite you to experience more with us by visiting this page regularly. Here you will find all the latest updates before, during, and after this innovative period we are thrilled to share together.
Experience More
Experience More is the period of growth and empowerment at Latino Community Credit Union. During this period, members will experience a series of upgrades, changes, and software enhancement aimed at providing you with new and improved products and services.
Expect more benefits and new features. Our ATMs, Cards, Statements, and Mobile App also have a new look.
Cards
A new debit card was issued in August and can be activated now. Please keep in mind that your old debit card is now inactive, please notify any merchant of your new card information.
Your credit card will not change and will remain active -- it will only be replaced upon expiration or until a new one is requested.
Even if your old debit card has a future expiration date, it is no longer active, and you must discard it safely.
All ATM/cash-only cards are now joined to your one Visa debit cards reissued in the month of August.
Please call our Member Service Center at (919) 595-1800 or visit your nearest branch to confirm your address and have a new card ordered for you.
Call the number on the sticker, 800-631-3197 (Press #2 for Spanish), and follow the steps listed on the card label to activate your card and wait for the prompt to activate your PIN. Members much choose their new PIN# when activating the new card.
If you activated your card but did not set a new PIN, please call our PIN Now phone number at 888.886.0083 to set your new PIN. If you forgot the PIN you just created, you can use the same number to change it.
Even If your old debit card expires long after September, it became inactive on September 5th.
You would have received a new debit card in August to activate starting on September 6th.
Yes, your new cards will need to be activated and added to your Apple or Google Pay digital wallet, and those will be available for use later in October.
Your old inactive debit card should be removed from your digital wallet and online payment history.
Yes, if you do not have your debit card in hand, you can still register to LatinoConnect online and the mobile app with your Member ID or Account Number.
Yes, but please note that some fees and charges may apply when using your new cards with non-LCCU-related ATMs.
New cards can be used on CashPoints ATMs for withdrawals and inquiries only.
Recurring charges and vendors will need to be updated with your new card information.
To use your new maroon Cash Card at an ATM, you must always choose that the funds come from the “Savings” account.
If you received more than one blue Debit Card and you don’t understand why, please contact us at 919-595-1800, or come to a branch and we can assist you.
To activate your debit card, you must call 800.631.3197 from the mobile phone number listed on your account. If you changed the information or are unsure of the contact details on your account, please visit your nearest Branch or call our member service center to verify your information and get your card activated.
Your credit cards are still active, and will be able to be viewed through LatinoConnect online and mobile app starting on September 16th, 2024.
Online Access
Member Login is available on our website and new mobile app through LatinoConnect.
Your user ID and password for Online Access did not change. However, if your current password does not meet our new criteria, you will be prompted to create a new one during your first login session. If you had multiple usernames, only one is now used for your account. Use the last one you logged in with or if you cannot remember your Username or Password, click “Forgot your username or password?” at the bottom of the login screen on the mobile app.
No, your mobile app will update automatically.You should see a new orange icon.
If you already have the LCCU mobile app but do not see the new orange icon, it means your app is still not updated. LCCU mobile app may not automatically update if your mobile device is set to 'low power’ mode, has a low battery level, is in an area of low cell service, or does not have enough storage space. You can manually update the app by searching for “Latino Community Credit Union” on the Google Play or App store, then click update.
Please verify that the information you entered is correct. If you had multiple usernames, try using a different one. If you are still unable to sign in, please visit your nearest branch or call our Member Service Center at 919-595-1800 to verify your information.
Yes, you will be able to register for LatinoConnect directly on the mobile app and do not have to be enrolled in Online Access previously. Simply download the “Latino Community Credit Union” app from the Google Play or App Store and click “Register” at the bottom of the login screen.
When registering for the first time in our new online access, members will need to provide:
- First name
- SSN/ITIN
- Date of birth
- Mobile phone number
- Member ID, account number or debit card number
On our website
- Click on Member Login.
- Sign in with your username & password.
- In the top right corner, click on your profile photo.
- Select Profile to access your Contact Information page.
- Update the necessary information.
- Click Save changes to apply the updates.
Via Mobile App
- Login into your LatinoConnect Mobile app.
- Tap on Menu in the bottom right corner.
- Select Settings, then choose Profile.
- Your Contact Information will appear
- Update the necessary details.
- Tap Save changes to apply the updates.
Yes, our new mobile app has a brand-new feature which allows members to transfer funds to other members of LCCU. View our Online Services page to learn how.
Yes, our new mobile app will allow members and joint account to deposit checks quickly and easily into their account at any time from any device that can take pictures.
LatinoConnect online will provide members with even better card management tools including lock and unlock card feature, set merchant preferences, transaction alerts, spending limits, and even travel notifications.
To enjoy the benefits of our new and advanced security features, you will need to reset your alert preferences on our new Online Services, LatinoConnect.
Yes, members will have loan payment capabilities through LatinoConnect using an LCCU card.
Your direct deposit or scheduled payments are not affected.
Yes, but a delay in viewing your BillPay history may occur, and your pending payments will remain scheduled through Bill Pay.
Yes, your payees will continue to be available through LatinoConnect online and mobile app.
Previous account nicknames are not You have the option to re-name your accounts with a new nickname of your choice.
- Click on Member Login on our website or login to your mobile app.
- Sign in with your username and password.
- Once logged in, go to the more “…” tab and select Documents and Statements.
- On the left-hand side,click on Paperless Settings.
- Check the box for Statements and Tax Forms .
- Click Save.
- Review E-Statements terms and conditions,then click Accept & Continue.
- You have successfully enrolled in e-Statements!
No, although the numbers for your accounts did not change, they will appear consolidated under a new number (Member ID). You will have the ability to use your new Member ID for future account management or identification purposes.
ATMs
Yes, LCCU members will no longer be able to make cash deposits at CashPoints ATMs. However, members can still use them for free cash withdrawals and account balance checks. Our new ATM Network is nationwide and will allow members free withdrawals, balance checks, and later in October, deposits at some locations. Check our ATM locator to find the most convenient ATM near you.
ATMs at LCCU branches can perform cash withdrawals and account balance inquiries. Cash and check deposits will also be available later in October. Many ATMs in the new network statewide and nationwide will also have these services available starting at that time.
No, you can only activate your new card by calling the number listed on the sticker label of your new card, 800.631.3197. When calling to activate your card, follow the steps and wait to the end of the call to set your PIN.
Yes, funds transfers will still be available when using the new ATMs with the exception of transferring to a loan or making a loan payment.
Cash and check deposits will be possible later in October using our new ATMs at our branches and at some locations nationwide. You can already use our mobile app to deposit checks.
ATMs located within LCCU branches will have a transaction limit of $500, in addition to any card-specific limits. For instance, if you have a daily limit of $1000 and wish to withdraw cash from our branch ATMs, you will need to conduct two transactions of $500 each.
Lending
Consumer Lending
No, you will not be reissued a new credit card. Credit cards will remain active and replaced with the same number until their expiration date or a new one is requested.
Yes, your credit card statement will be sent as a separate statement. Available online on September 16th.
Yes, loan payments will remain as scheduled.
Yes, the payment address for checks and Bill Pay will need to be updated to the new address (P.O. BOX: 14049, Durham NC 27709).
Please update the Lien Holder address to (P.O. BOX: 14049, Durham NC 27709) and send a copy of the policy to Collateraladministration@latinoccu.org or insurance@latinoccu.org.
You can apply in person through our branches, by phone with our Member Service Center, Online or on our mobile app through LatinoConnect.
Yes, you are able to view your loans Online or on our mobile app through LatinoConnect. A delay in viewing your loan history may occur.
Yes, you can make payments Online or through the mobile app via LatinoConnect. Note that payments with a card from another institution is not possible.
Real Estate Lending
Yes, there will be no change in payments.
You can apply for a mortgage in our branches once you become a member of LCCU.
Yes, but a delay in viewing your loan history may occur.
If you are only a joint owner on an account and do not have an individual account, you will need to open an individual general membership account to apply for an individual loan. The primary borrower on a Mortgage or HELOC loan must always have an open general membership account.
My Account
Checks
Yes, all LCCU Checks are still valid for use.
Yes, you can deposit checks through our new mobile app.
- Log into your account through the LCCU Mobile App.
- Tap the deposit icon at the bottom of the screen.
- Accept the terms and conditions.
- Select the account where you want to deposit the check.
- Enter the check amount.
- Capture photos of both the front and the back of the check. *Remember to sign the back of the check and write “For LCCU Mobile Deposit Only” in English.
- Review the details to ensure accuracy, then submit. *Hold onto your check for 14 days after depositing, then securely destroy it.
No, members are not able to deposit checks at CashPoints ATMs. However, you can deposit your checks at most of our new ATMs, starting later in October. You can also make check deposits using your LCCU mobile app.
If you have not received your checks after 14 business days from the order date, please contact us at (919) 595-1800.
Products
LCCU’s Routing Number will remain the same: 053185503
Yes, LCCU’s incoming wire Routing number is now 053185503. You should inform your wire originators about the change.
No, for enhanced security measures, you no longer have security questions. Members will need to authenticate via different methods.
Your account numbers did not change. You can view your account number and member ID online or on the mobile app through LatinoConnect. Simply click on accounts and your details will show at the top of the screen.
Some fees and account disclosure changed. You may review up-to-date fees and disclosures on our legal page located on our website footer.
Statements
Due to our systems upgrade you will receive two statements during the month of September.
We sent a regular statement at the end of August. This will be followed by a one-time statement covering transactions up to 9/6/2024. We will then send a second September statement for transactions from 9/7 to 9/30 at the end of the month. Going forward, statements will be sent out at the end of every month
Yes, members will have the ability to choose statements in Spanish. (Note: transaction descriptions will not be translated but listed as merchant described)
Members currently receiving monthly paper statements will continue to receive them.
A delay in viewing yourstatement history may occur due to our systems upgrade. For urgent assistance with your statements you may send us a secure message through the mobile app, visit your local branch or call our member service center at (919) 595-1800.
Members with all accounts previously enrolled in E-Statements will continue to receive their statements electronically. Members with multiple statement preferences will revert all accounts to paper statements.
You can re-enroll to E-statements through these simple steps:
- Click on Member Login at the top right corner of our website or open the LCCU mobile app.
- Sign in with your username and password.
- Once logged in, go to the more “…” tab and select Documents and Statements.
- On the left-hand side, click on Paperless Settings.
- Check the box for Statements and Tax Forms.
- Click Save.
- Review E-Statements terms and conditions, then click Accept & Continue.
- You have successfully enrolled in E-Statements!
Yes, enrolling in E-Statements is possible online or our mobile app with LatinoConnect.
Enroll to E-statements through these simple steps:
- Click on Member Login at the top right corner of our website or open the LCCU mobile app.
- Sign in with your username and password.
- Once logged in, go to the more “…” tab and select Documents and Statements.
- On the left-hand side, click on Paperless Settings.
- Check the box for Statements and Tax Forms.
- Click Save.
- Review E-Statements terms and conditions, then click Accept & Continue.
- You have successfully enrolled in E-Statements!
Yes, you can update your personal information online or on our mobile app through LatinoConnect.
On our website
- Click on Member Login.
- Sign in with your username & password.
- In the top right corner, click on your profile photo.
- Select Profile to access your Contact Information page.
- Update the necessary information.
- Click Save changes to apply the updates.
Via Mobile App
- Login into your LatinoConnect Mobile app.
- Tap on Menu in the bottom right corner.
- Select Settings, then choose Profile.
- Your Contact Information will appear
- Update the necessary details.
- Tap Save changes to apply the updates.
A message from the LCCU staff:
While much of the work will happen behind the scenes, we understand that there may be brief disruptions. Rest assured; we’re working diligently to ensure these upgrades are as seamless as possible for you. We apologize in advance for any inconveniences this may cause and sincerely appreciate your patience throughout this process.
Wait times for our Contact Center and at our branches may be longer than normal as we assist members with our new and improved services. Be sure to check back frequently, as we’ll be updating this page regularly.
