Member Resources & FAQs
At Lanco Federal Credit Union, we want our members to have all the tools needed to achieve financial health. On this webpage, you’ll find information to help you manage your Lanco FCU accounts, your personal finances, and more.
How can I manage my accounts?
Manage your checking, savings, and loan accounts
Lanco FCU offers free online, mobile, and telephone banking services to provide you with convenient access to your account balances, transaction history, transfers, and other services.
Manage your Visa credit card
You can review your Lanco FCU Visa credit card balance, transactions, rewards points (if applicable), schedule payments, and more with MyLancoCards, Lanco FCU’s card management website and mobile app. Learn more about managing your Lanco FCU Visa credit card account with MyLancoCards.
Note: In online banking and mobile banking, the account number associated with your Lanco FCU Visa card is different from your credit card number. There is no need to be concerned that the number displayed does not match your card plastic(s).
Manage your mortgage account
To manage your Lanco FCU mortgage serviced by State Financial Network, please log into the State Financial Network website. Once logged in, you can review your account statements, make payments, submit documents, and more.
Manage your student loan
To manage your Lanco FCU student loans serviced by LendKey, please log into the LendKey website to manage your account and make payments.
How can I make a loan payment?
Pay your loan from your Lanco FCU checking or savings
Easily make payments to your loan at any time by using online, mobile or telephone banking to transfer funds from your Lanco FCU checking or savings accounts.
Make an immediate loan payment with EZ Pay
You can make an immediate loan payment from your account elsewhere with our REPAY portal. Use your credit card, debit card, or your bank routing and account number. A $5.00 convenience fee applies to each payment.
Send loan payments by check or bill pay
Make a payment from your checking account elsewhere by sending a check or scheduling a payment through your other institution’s online bill pay. Make checks payable to: Lanco Federal Credit Union, 349 West Roseville Road, Lancaster PA 17601. On the memo line, include your Account # and Loan ID.
Make a loan payment in person
You can make payments by cash, check, money order, or credit card at any Lanco Federal Credit Union branch. Additionally, you may make payments at any CO-OP Shared Branch location. (You will need to know your account number and provide valid photo ID.)
Schedule recurring loan payments so you never miss a due date
To schedule recurring payments from your Lanco FCU checking or savings account, use online banking or mobile banking to set up recurring transfers.
To set up automatic payments to your loan from your checking account at another institution, complete and return Lanco FCU’s ACH Origination Application form along with a voided check. Keep the ACH Origination Agreement and Disclosure pages for your records.
If your employer offers direct deposit and you wish to have your loan payments made directly from your pay, please contact us to request the information you will need to provide to your employer.
How can I order checks?
You can reorder checks online if…
- You are enrolled in Online Banking;
- You have ordered checks through Lanco FCU more recently than 2/1/2018; and
- Your contact information printed on your previous check order is still accurate.
If all of the above criteria are met, log into Online Banking, navigate to your checking account, then click “Reorder Checks” to launch the Deluxe online store. You can browse the options available to you, select your desired designs and products, and preview your new checks before confirming your order.
Please contact us to place an order if…
- You need to update your name, address, and/or phone number from what is currently printed on your checks;
- This is your first check order on your account; or
- You are a Charter or Works Perks member and wish to use your free check order benefit. (Certain limitations apply.)
Cost of check orders
The price of your order depends on the type, design, and quantity of checks that you select and any optional accessories you request. Lanco FCU covers the shipping and does not charge any additional fees for check orders. The cost of your check order will be deducted from your checking account.
How do I dispute a transaction?
Unauthorized transactions in your savings or checking account
If you see a transaction in your account that you did not authorize, please notify us by calling (717) 569-7180 or (888) 318-4222. We will ask for details about the transaction(s) and walk you through the steps to file a dispute and protect your account from further unauthorized transactions.
Written documentation will also be needed…
- To dispute a debit card transaction: A completed Debit Dispute Form with written statement for each transaction being disputed.
- To dispute an ACH transaction: Disputed ACH transactions are most commonly for unauthorized withdrawals from an account, which requires a completed Written Statement of Unauthorized Debit form. If an authorized ACH credit has been posted to your account, please contact us for more information.
Dispute a transaction on your Platinum Visa credit card
You can dispute an unauthorized charge on your Lanco FCU Visa credit card by logging into your account using MyLancoCards online or the MyLancoCards mobile app. Locate the transaction within your history and click on the transaction for details and the option to start a dispute. Alternatively, you may submit a dispute by completing the form on the back of your monthly credit card statement and mailing it to the address provided.
How do I update my contact information?
Update your address, phone number or e-mail address any time within Online Banking
The easiest way to change your address, phone number, or e-mail address is to log into your account in Online Banking or the Lanco FCU mobile app. Navigate to your profile (found within the Settings section) to review your current information and request any edits. After your changes have been submitted, we may reach out to you if additional information or verification is needed.
Update your contact information in person
You may visit any Lanco FCU branch location to request to update your information. Please bring your current photo ID with you so we may fully update our records.
We must be able to verify your identity and ability to authorize changes to your account, and therefore do not change addresses based on phone, mail or e-mail messages.
How can I transfer money to another bank or credit union?
Set up one-time or recurring payments in Bill Payer
You can transfer funds from your Lanco FCU checking account to an account of yours at another institution by using the Pay a Person option in Bill Payer. Choose to send the money by direct deposit, and enter your routing number and account number.
Request, update, or cancel an ACH Origination
You may provide authorization for a recurring ACH transfer from your account at Lanco FCU to an account at another financial institution. To request a new transfer or to change or revoke a previously authorized transfer, please complete and return an ACH Origination Application form.
How can I send money to another person?
Transfer funds to another Lanco FCU member account
If the person you want to send money to is a Lanco FCU member and has shared their account number and share or loan ID with you, you can use the “Member Transfers” option in online or mobile banking to schedule immediate or recurring transfers.
You may also make immediate transfers or schedule transfers to another member by calling Gabby, Lanco FCU’s automated telephone banking, and following the menu options for funds transfers.
Send a payment to another person by e-mail
To easily send a payment to another person, you can use the Pay a Person option in Bill Payer. All you need to know is that person’s e-mail address. When you send the payment, you will create and share a keyword, which like a password that the recipient will use to retrieve the payment you send. For more information, watch this video showing how to pay a person with Bill Payer.
How do I send or receive a wire transfer?
Receive an incoming wire to your Lanco FCU account
Wire transfer fees may apply. Ask a Lanco FCU representative for details.
Initiate an outgoing wire from your Lanco FCU account
For your security, outgoing wire transfer requests must be made in person. Please bring a valid photo ID with you to any Lanco FCU branch.
- Outgoing domestic wires will be processed on the same day if the request is made before 4:30 p.m.
Wire transfer fees apply. Ask a Lanco FCU representative for details.
What happens if I overdraw my account?
Overdraft Protection and Overdraft Privilege
Lanco FCU believes it is important for you to use your checking account responsibly and never intentionally overdraw your account. However, we realize that financial shortfalls happen from time to time, and we have services in place to protect you from being charged excessive fees and having overdraft items returned.
In the event that you overdraw your checking account, Lanco FCU will first attempt to pay the overdraft item by transferring money from your designated savings account. If your designated account cannot cover the item because there are not enough available funds, the item may be covered by Overdraft Privilege. Refer to the Overdraft Protection Disclosure for additional information about these services, eligibility and more.
Does Lanco FCU offer safe deposit boxes?
Rent a safe deposit box in Lancaster
Lanco FCU offers a variety of boxes at our branch located at 349 West Roseville Road in Lancaster, with prices ranging from $16.00 to $45.00 annually. Renting a safe deposit box in Lanco FCU’s vault can provide you with secure storage of important items. Safe deposit boxes are fire-, water-, and theft-resistant. Click here for safe deposit box information including available sizes and guidance about what to store—and what not to store—in a safe deposit box.
How can I review my credit report?
Request your credit report for free from AnnualCreditReport.com
Each year, you are entitled to 1 free credit report from each of the 3 credit bureaus: Equifax, TransUnion and Experian. AnnualCreditReport.com is the ONLY authorized source to get your free annual credit report under federal law.
TIP: If you are not using a credit monitoring service to alert you of any changes to your credit reports, you may want to view only one report every four months. This way, you’ll be able to check up on your credit history more frequently than viewing all reports at once.
Where can I get trusted information about credit unions and personal finance?
NCUA consumer website
MyCreditUnion.gov is the National Credit Union Administration’s consumer website that provides consumers and credit union members of all ages and life stages important financial literacy and personal finance information and resources. You’ll find trusted information about the share insurance fund, fraud prevention, credit unions, and personal finance.