Q: Are my children or step-children eligible for membership?
A: Yes, absolutely! All household and immediate family members are eligible to join the credit union.
Q: Can I have more than one account?
A: There is no limit to the number of share or share drafts you can establish.
Q: How do I go about placing a stop payment on a check?
A: In order to put a stop payment on a check you would need to complete a form, which includes the check amount, the date the check was written, and the reason for stop payment.
Q: If I leave your field of membership, or move to another city or state, will I have to close my Lewiston Municipal FCU accounts?
A: No, once a member, always a member!
Q: How do I add a Joint Owner to my account?
A: When you add a joint member the primary account holder will need to be present. He/She will need his/her ID and proof of residential address.
Q: How do I remove a joint owner from my account?
A: A signed request will need to be written to let us know who you want removed and your signature. You’ll be asked to sign a new membership card to update your account record.
Q: How do I change my name on my account?
A: A new membership agreement form & a few other forms will need to be signed to update out records. We will need a copy of the legal name change document, which is typically a marriage license, divorce decree, or probate court decree.
We can make it easy for you by mailing forms for signatures, schedule an appointment, or stop by in our drive-thru to sign the forms.
Q: What do I need to open an account for my child?
A: In order to open a savings account for a minor, we will need the child’s social security card and birth certificate along with your current ID. Missing one of the documents above? Call us and we’re happy to list alternative options for identification.
Q: Do you have to have a checking account in order to have a debit card?
A: A debit card can be used with (both a savings) account and/or a checking account. Debit Cards can be linked to a savings account but due to NCUA regulations monthly withdrawals on a savings account are limited; therefore, debit cards are typically tied to a checking account. Complete a debit card request form online.
Q: How do I get a debit card?
Q: I have lost my debit card, what should I do?
A: First call our Lost/Stolen 24/7 hotline: 1-800-472-3272, and then contact the credit union during business hours to confirm your replacement card order.
Q: Do you have notary service?
A: Yes, notarization by a Notary Public is a free service for our members.
Q: Wiring Instructions to LMFCU?
A: Our Routing Number/ABA # is 211287900. You’ll need to provide your account number as well. The credit union is online with the Federal Reserve and there is no intermediary financial institution.
Q: What do I need to send a wire?
A: Call the other institution and request their “wiring instructions” and then call or stop by the credit union to initiate the wire (signature is required).
Q: How do I re-order checks?
A: Click here to send us your re-order check request. Please include the following information:
- Starting check number
- Quantity of boxes
- Any changes to address/phone number
- Your email address or daytime phone number to contact you with any follow up questions
Q: How do I sign up for direct deposit?
A: Your employer will need the credit union’s routing (also known as: ABA) number and your account number. The routing number is: 211287900.
If you would like direct deposit to go into your share (savings) account, use your credit union account number.
For direct deposit into your share draft (checking) account, use the the last six digits of the middle set of numbers from the bottom of your checkbook. The checking account number will start with 700420XXXXXX.
You can also print a request for Direct Deposit Form here to complete and provide to your employer.
Q: Can I do Shared Branching transactions to another credit union, at Lewiston Municipal FCU?
A: Yes, you can! You’ll need your unexpired government issued state issued ID or driver’s license, as well as the account number for the other credit union account.
Q: Do you offer money orders?
A: Yes, money orders are a $1.00 each and are completed and signed by the member. We also offer “bank checks” that are completed and signed by a credit union representative for $3.00 each.
Q: Is my account insured?
A: Yes, your account is insured through the NCUA, it is insured up to $250,000.00. View for more information on our NCUA Share Insurance page.
Q: How do I sign up for home banking?
A: Signing up for online banking is easy!
Please visit our Home Page, click on Online Banking on the left-hand side of the page. This will bring you to the Register or Login Page. Once there, click on Register, to begin the process of creating your online account.
Please note: You will need to have your membership (savings account) number in order to create an online banking profile.
Q: Do you have more than one location?
A: Our office is located at 291 Pine Street in Lewiston, ME.
We are a CUSC Shared Branching participant, so you can do transactions at any credit union that is a Shared Branching participant. There are more than 5,000 credit unions nationwide where you can do transactions with no fee!
Q: Where do I find the fee schedule?