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.
Effective September 2024, members will be able to manage their accounts with more ease and enjoy better products and services.
Yes, as a top priority for us, your accounts and funds will remain safe and secure throughout all upgrades.
Yes, we will continue to maintain industry best practices to safeguard members’ sensitive information throughout the upgrades.
Upgrades will enable LCCU to operate more efficiently and provide new functionality and benefits but expect some service interruptions.
Expect more benefits and new features. Our ATMs, Cards, Statements, and Mobile App will also have a new look.
We invite you to update your personal details like email, phone number, and home address to keep your accounts active with the most up-to-date contact information. If not already signed up, we also recommend enrolling in e-statements to download and archive your statements for records.
Yes, to keep you informed every step of the way, we'll be sending key information about any changes via email, social media, and mail. We also recommend visiting this webpage often before, during, and after September to get the latest updates.
Yes, access to your accounts at our branches and through your member access will remain the same.
No, our branch and contact center hours will remain the same:
Monday – Thursday: Open from 9:00 am to 5:00 pm
Fridays: Open from 9:00 am to 6:00 pm
Online Access
Online Access upgrades will benefit members with a fresh updated new app, management tools, account alerts, loan application capabilities, Spanish language integration, top-notch security, and more convenient features at your fingertips.
A new Member Login (LatinoConnect) will be available online through our website and through our mobile app starting on September 10th
If you are currently enrolled in Online Access, you will not have to re-enroll again to LatinoConnect but a “first-time sign on” will be required and you will be asked to provide the following information:
1. First name
2. Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN)
3. Date of birth
4. Mobile phone number
Your current user ID and password for Online Access will remain the same. However, if your existing password or username doesn't meet the updated requirements, you'll be asked to create a new one when you first log in to LatinoConnect.
*If you have multiple user IDs, they will be consolidated into one, the most recently used one before September 6th.
No, the LCCU mobile app will automatically update with a new look and LatinoConnect after September 10th.
No, you can register to LatinoConnect directly on the new mobile app after September 10th and do not have to be enrolled in Online Access prior to this date.
When registering for the first time in our new online access (LatinoConnect), you will need to provide:
- First name
- Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN)
- Date of birth
- Mobile phone number
- Account number, Member number/ID or debit card number
Yes, members will have account opening possibilities using our Online Access (LatinoConnect) through our website or mobile app.
Yes, our new mobile app will have a brand-new feature which will allow members to transfer funds to other members of LCCU.
A delay in viewing your account history may occur after September 10th. We recommend downloading your statement history prior to September. To download your statements now, simply sign in to Online Access and click on the Statements tab located under Accounts. You may also call us at (919) 595-1800 to request your current statements via phone or visit one of our branches for printed statements.
Yes, our new Online Access (LatinoConnect) will allow members to deposit checks quickly and easily into their account at any time from any device that can take pictures.
Our new Online Services (LatinoConnect) will provide members with even better card management tools at your fingertips. Members will be able to lock and unlock specific cards at any time, 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 continue to access Bill Pay after September 10th.
Yes, but there may be a delay in accessing your Bill Pay history after September 10th. We recommend downloading your Bill Pay history beforehand, if needed.
*Bill Pay will also be temporarily unavailable from 4 p.m. September 6th until start of business September 10th. We strongly advise completing or scheduling any payments before these dates.
Yes, your payees will continue to be available through Online Access (LatinoConnect).
Yes. Your pending payments will remain scheduled through Bill Pay. To use Bill Pay you will need Online Access, either from your computer or mobile device.
Note* Bill Pay will be temporarily unavailable from 4 p.m. September 6th until start of business September 10th. We strongly advise completing or scheduling any payments before these dates.
Yes, members will continue to have wire and transfer capabilities after September 10th.
Existing account nicknames will not be available after September 6th. You will have the option to re-name your accounts with a new nickname of your choice starting on September 10th through LatinoConnect.
Yes, video tutorials and a written guide will be available on our website after September 10th for members wanting to enroll in e-statements using our new online access (LatinoConnect).
Yes, members will have loan payment capabilities through Online Access (LatinoConnect).
Your direct deposit or scheduled payments will not be affected.
NOTE* BillPay will be temporarily unavailable from 4 p.m. September 6th until start of business September 10th. We strongly advise completing or scheduling any payments before these dates.
ATMs
After September 6th, LCCU members will no longer be able to make deposits at CashPoints ATMs. However, members can still use them for free cash withdrawals after September 10th.
We are extending our ATM Network nationwide! A new network of ATMs is coming this September that will allow members free cash withdrawals, cash deposits, check deposits, and account balance inquiries.
Yes, you can continue using CashPoints as usual until September 6th. After September 10, you will only be able to perform cash withdrawals for free.
Our new ATMs will be available at our branches, across the state, and nationwide.
*Starting September 10th, you can use the ATM locator on our website to find the one closest to you.
New ATMs are now available at all of our branch locations for withdrawals and inquiries only. Most full-service ATMs will become available statewide and nationwide this fall, but not all ATMs will be able to accept deposits.
*Starting September 10th, you can use the ATM locator on our website for those details and ATM functionalities.
New ATMs at LCCU branches can perform cash withdrawals and account balance inquiries. Cash deposits, and check deposits will also be available later this fall. Many ATMs in the new network statewide and nationwide will also have these services available starting this fall.
New ATMs are now available at all of our branch locations for withdrawals and inquiries only. Most full-service ATMs will become available statewide and nationwide this fall.
Yes, new ATMs will also be available in Spanish.
All ATM/cash-only cards will be reissued as a new debit card. They can be activated starting September 6th. Please note that your new card can be used free of charge on CashPoints ATMs for withdrawals only.
Yes, you will have the opportunity to choose their new PIN# when activating your new card on or after September 6th.
No, you can activate your new card on or after September 6th by calling the number listed on the sticker label of your new card.
Starting this September, you will be able to check your account balances through our ATM network, but please note that loan balances will not be available.
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.
Yes, cash and check deposits will be possible later this fall using our new ATMs at our branches and some locations nationwide.
Currently, members can use CashPoints ATMs for free, while any other non-LCCU related ATMs may charge a fee. After September 6th, non-LCCU related ATMs may apply additional charges or fees.
New ATM hours may differ based on its location. ATMs found inside a retail store may have limited hours and services. Other full-service ATMs will be available 24/7, 365 days a year.
ATMs located within LCCU branches will have a transaction limit of $500, in addition to any card-specific limits. For instance, if a member has a daily limit of $1000 and wishes to withdraw cash from our branch ATMs, they will need to conduct two transactions of $500 each.
Lending
Consumer Lending
We will introduce Credit Life and Disability Insurance for Credit Cards. This new addition will provide an extra layer of security and support for our members. We will announce additional details soon and any other product upgrades.
No, there won’t be any changes to your loan agreement.
Your loan or credit rate will not change.
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.
Yes, loan payments will remain as scheduled.
No, loan requirements will not change.
After September 10th you will be able to apply in-person at our branches, or by phone with our Member Service Center. You will also have loan application capabilities via LatinoConnecto Online and mobile app.
You will be able to complete an application via LatinoConnect Online or through our mobile app.
Yes, you will be able to view your loans via LatinoConnect Online and our mobile app.
Yes, you can continue to make payments through Online Access (LatinoConnect).
Yes. Please note that a delay in viewing your loan history may occur after September. We recommend downloading your loan history prior to September. To obtain your loan history, simply sign in to Online Access, call us at (919) 595-1800 or request your loan history at one of our branches.
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.
Real Estate Lending
There will be no new mortgage loan products in September.
Yes, there will be no change in payments. We will announce if there may be a delay in payments posting after September 10th due to the systems upgrade, however it will be back-dated accordingly.
No, there will not be any changes to your loan agreement.
The same options you have today will be the same available options after September. There is a form to complete in your member access that you can submit, and a loan officer will contact you to take the application via email or phone.
Yes, but a delay in viewing your loan history may occur after September 6th. We recommend downloading your loan history prior to September 6th. To download your loan now, simply sign in to Online Access, call us at (919) 595-1800 to request your current history via phone or visit one of our branches.
The rates can change based on your loan product and Loan Agreement, which is not affected by our upcoming systems upgrade.
Loan requirements should be the same since the lending policy is not changing at this time for mortgages.
Cards
New cards will be available in September. They will feature a beautiful new design with new colors, graphics, and security features. They will have enhanced Card Controls to monitor your cards and stay informed in real time. Credit cards will also include optional Credit Life and Disability Insurance.
A new debit card will be reissued during the month of August, to be activated beginning September 6th, 2024. Please keep in mind that your debit card number and expiration date will change, so you will need to 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.
All ATM/cash-only cards will be reissued as Visa debit cards during the month of August. They can be activated starting September 6th.
Your current debit card will remain active until the end of the day September 5th. You will receive a new debit card during the month of August which can only be activated on or after September 6th.
If you have not received your new card before September 6th, please call us at (919) 595-1800. We recommend ensuring your home address is up to date in our system to avoid any delays.
Call the number and follow the steps listed on the card label to activate your card starting on or after September 6th.
Members will have the opportunity to choose their new PIN# when activating the new card. To activate your new card, call the number listed on the sticker label on or after September 6th.
If your card expires in September, you will receive a new debit card in August. For those whose card expires in August, you will receive two new cards (most likely one in July and the newest one in August to be activated on or after September 6th).
Yes, when registering for the first time in our new online access we recommend using your new debit card number.
Yes, but please note that some fees and charges may apply when using your new cards with non-LCCU-related ATMs.
New cards activated on or after September 6th can be used on CashPoints® ATMs for withdrawals only.
Yes, members with only a savings account will be able to do ATM withdrawals and transactions.
Recurring charges and vendors will need to be updated with your new card information starting on September 6th.
No, credit cards will remain active and replaced with the same number when expired or a new one is requested. We recommend checking our website and communications for any future disclosure updates.
Difficulties with your card may result from a long inactive period. Please contact us for any sudden use of an inactive card.
My Account
Starting Friday, September 6th through Monday, September 9th, we will be performing system upgrades and maintenance. During this period, you may experience interruptions and delays to your account access.
Friday, September 6th
- Branches close at 4 p.m.
- Activate your new debit card
- Beginning at 4 p.m. the following systems will be unavailable: Online Access, BillPay, and Mobile App
Monday, September 9th
- Branches are closed
- Member Service Center closed
Tuesday, September 10th
- Branches will be open
- Member Service Center will be open
- Bill Pay and other access restored
- Access your accounts through LatinoConnect Online, Mobile App, and Lccu ATMs.
All accounts will remain the same, with the exception of CashPoint Global accounts, which will now be labeled as ‘Cash Account’ after September.
LCCU’s ACH Routing Number will remain the same: 053185503
Account numbers will not change but all accounts will now be listed under your single Member ID (Member Number).
Some fees and account disclosure changes are expected. Members will be notified in advance of the effective date for any fee or disclosure changes. Up-to-date information is also always available on our legal page, located in the website footer.
No, for enhanced security measures, members will need to authenticate via different methods such as your Member ID or debit card number starting on September 10th.
As we kickoff a new statement cycle during the systems upgrade, you may receive two statements in September. Regular statement cycles will be restored the following months to provide you with a better statement experience.
Yes, members will have the ability to choose statements in Spanish after September. (Note: transaction descriptions will not be translated but listed as merchant described)
Members currently receiving monthly paper statements will continue to receive them after September.
Yes, but a delay in viewing your statement history may occur after September. We recommend downloading your statement history prior to September if needed.
To download your statements now, simply sign in to online access and click on the Statements tab located under Accounts. You may also call us at (919) 595-1800 to request your current statements via phone or visit one of our branches to obtain your printed statements for a fee.
Members with all accounts enrolled in E-Statements will continue to receive their statements electronically. Members with multiple statement preferences will revert all accounts to paper statements after September 10th.
Yes, enrolling in E-Statements after September 10th will be possible through LatinoConnect online and our mobile app.
Members can make changes to their accounts until the end of August and will also have access to manage account information after September 10th through LatinoConnect online or our mobile app.
Yes, members will still be able to obtain their tax forms after September 10th.
After September, you may place your check orders through our online access or mobile app. You may also request new checks with one of our representatives at our branch or by contacting us at (919) 595-1800.
Yes, members may still request cashier's checks at any of our branch locations.
Yes, all current LCCU checks will still be valid for use after September.
Yes, members will still be able to deposit checks through our new mobile app.
Orders placed after September will receive their new checkbook in 7 to 14 business days.
Yes, you will still be able to order checks for different checking accounts.
If you still have not received your checks after 14 business days from the order date, please contact us at (919) 595-1800.
A new catalog will be available with different prices starting at $12.95 for members to choose from.
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.
