COVID-19 Information Center
Lanco FCU is here to support the financial wellness of our members, in the face of new challenges during this global pandemic, and always.
To help you find relevant information quickly, we’re keeping this page up to date with a variety of Coronavirus-related topics.
Access to Member Services
All Lanco FCU lobbies are closed until further notice
Limited services requiring use of the lobby may be available, by appointment only. Please contact us in advance to discuss your needs and schedule your visit.
Bank from home with self-services and call center
Our online, mobile, and telephone banking tools allow you to accomplish a variety of banking activities from the safety of your own home.
If you need help with self-banking services or have questions about your accounts or finances, let’s talk—reach a member representative from 9:00-5:00 Mondays-Thursdays, 9:00-6:00 Fridays, and 9:00-12:00 Saturdays by calling (717) 569-7180 or (888) 318-4222.
ATMs and Night Depositories for withdrawals, deposits, and document returns
All Lanco FCU branches feature a surcharge-free ATM and night depository. Please note that ATMs and night depositories are not attended and disinfected after every use. Take appropriate precautions for your health, such as using disposable gloves and/or hand sanitizer, not touching your face, and washing your hands with soap and water as soon as possible.
Drop off your deposits or signed documents, securely and at your convenience.
Although traditionally used to collect after-hours deposits, we are currently processing items received by night deposit throughout each business day. Envelopes are provided, or you may use your own. Be sure to include any necessary instructions for processing your transaction, and your name and phone number in case of any questions.
Use your Lanco FCU debit card, surcharge-free, at any ATM in the CU$ Network.
Each Lanco FCU branch features a surcharge-free ATM, and additional ATMs can be located using the Lanco FCU mobile app or by visiting CUDollar.org. When using a walk-up ATM, remember to wait at least 6 feet away from any person who may be using or in-line for the same ATM.
All Lanco FCU Drive-Thru lanes are open regular business hours
Perform transactions or request additional services, such as debit card pick-up.
Lanco FCU continues to provide member services by drive-thru at three locations:
- 349 West Roseville Road, Lancaster (Mon.-Thu. 8:30-5:00, Fri. 8:30-6:00, Sat. 9:00-Noon)
- 974 East Main Street, Mount Joy (Mon.-Thu. 8:30-5:00, Fri. 8:30-6:00, Sat. Closed)
- 2516 Willow Street Pike North, Willow Street (Mon.-Thu. 8:30-5:00, Fri. 8:30-6:00, Sat. 9:00-Noon)
Please note that our Brownstown branch does not feature a drive-thru. Please call us to discuss your needs or visit our Roseville Road branch for drive-thru service if necessary.
Drive-Thru Wait Times are Increased
With all in-person services now taking place through the drive-thru, wait times are increased as compared to normal business operations. We have all lanes open and staffed and are working hard to keep wait times to a minimum.
We kindly ask that all members observe the following when using the drive-thru:
1. Give yourself extra time.
If you are running errands on a schedule, be sure to plan in extra time in case there’s a wait in the drive-thru lanes. We greatly appreciate your patience and understanding.
2. Arrive prepared.
Please write out your instructions and have your transaction prepared before you get in line for the drive-thru. If you do not have deposit slips on-hand, printable versions are available here, or if you don’t have a printer, you can use them as a reference to hand-write your instructions:
3. Consider using the night depository.
If you have a deposit and do not need cash back, we encourage you to use the night depository, generally located on the building just after the drive-thru window. At this time, we are processing items received via night deposit throughout each business day. To skip the drive-thru line, park in our lot and walk to the night deposit. Please be cautious of any drive-thru traffic.
4. Call ahead when appropriate.
If you will be requesting services that may take some time—such as ordering a debit card, making a large withdrawal or updating contact information—please call us ahead of time. We’ll process as much as we can in advance to shorten your time in the drive-thru.
Financial Relief Options & News
Skip-a-Payment option for Lanco FCU auto and personal loans
If you are repaying a Lanco FCU auto loan or personal loan, skipping your next month’s loan payment may be an option. We have temporarily waived the fee and eased some qualifying criteria.
Requests for this option must be submitted with all borrower’s signatures and are subject to approval by Lanco FCU. Please continue to make your monthly payment unless you have received approval to skip.
More payment relief options for Lanco FCU loans and lines
If you need more time than one month’s skip—or need some relief on a loan type not eligible for Skip-a-Payment—a loan extension or payment relief loan may be available.
Generally, these options are available for repayments on a Lanco FCU auto loan, personal loan, personal line of credit, home equity loan, home equity line of credit, or Visa credit card.
Please call us at (717) 569-7180 or (888) 318-4222 to discuss your needs and the options to we may have available to help you.
CARES Act, Coronavirus Tax Relief, and Economic Impact Payments
To learn about government programs available to help individuals and businesses, visit these reputable sources for detailed information:
- IRS: Coronavirus Tax Relief & Economic Impact Payments
- IRS: Economic Impact Payment Information Center
- Senate Banking Committee: Small Business Owner’s Guide to the CARES Act
- US Treasury: Social Security Recipients Will Automatically Receive Economic Impact Payments
- IRS: Warning about Coronavirus-related scams and what to look out for
Lanco FCU Personal Relief Loan
To help members through financial hardships as a result of the COVID-19 pandemic, Lanco FCU is offering a Personal Relief Loan. Qualified borrowers may borrow up to $5,000.00 with rates starting at 2.99% APR.* The first three months feature 0% APR and deferred payments, then the repayment period lasts up to 33 months at the contract APR.* Contact us for more information about borrower requirements and how to apply.
*Borrower qualifications apply. Advertised rate available for borrowers with excellent credit; actual rate may be higher. Loan amounts/term maximums are as follows: $1,000 loan/12 months; $2,000 loan/24 months; $3,000-$5,000 loan/36 months. Payment example: A $5,000 loan at 2.99% APR would have 3 months of no interest or payments followed by 33 monthly payments of $158.80.
Service Updates & Tools to Help During Social Distancing
Fewer Purchases Required to Earn Kasasa Rewards
We’ve temporarily lowered the number of debit card purchases required to qualify for Kasasa rewards. Until further notice, you will earn Kasasa rewards when the following requirements are met during the monthly qualification cycle:
- At least 6 debit card point-of-sale purchases post and settle
- At least 1 ACH transaction posts and settles
- Enrollment in E-Statements
All other terms and conditions of the account remain the same. Qualifications may revert to the standard criteria outlined in your account agreements at any time.
Scholarship Application Period Extended through May 1, 2020
A 30-day extension has been granted for this year’s Gerald Fortney Memorial Scholarship application period. We understand that, with students home from school, some parts of the application required more time. We hope this extension will allow interested students the opportunity to complete and submit their applications toward this year’s $2,000 award.
Depositing checks without leaving home
If you have a check to deposit, avoid the trip to the credit union. Deposit checks into your accounts using the Lanco FCU app and the camera on your smart phone or tablet.
Mobile deposits are subject to check holds as described in the Funds Availability Policy and generally available within 3 business days.
Get the Lanco FCU mobile app:
Using digital wallet for in-store purchases
Reduce the need to handle cash or touch payment terminals in stores by adding your Lanco FCU debit card to your digital wallet on your smart phone or watch. Supported wallets include Apple, Samsung, Google, Garmin, and Fitbit.
Paying bills or people directly from your account
Bill Payer allows you to send payments directly from your checking account without needing checks, envelopes and stamps, or a trip to the post office. Payments can be scheduled to companies, sent electronically or by check, and you can even use Bill Payer to send checks to other people. Log into Online Banking and click Bill Payer to get started.
Contact Us
Call a Member Representative
You can reach a Lanco FCU Member Services Representative by calling (717) 569-7180 or (888) 318-4222 during regular business hours:
- Monday–Thursday: 9:00 am–5:00 pm
- Friday: 9:00 am–6:00 pm
- Saturday: 9:00 am–12:00 pm
If you reach a voice mailbox, please leave a message and your call will be returned within the same business day, or the next business day if received after-hours.
Message Us through Online Banking
Use the Secure Message Center within Online Banking to ask questions about your accounts, request services, and more. Unlike unencrypted e-mail, writing to us through Secure Messages keeps all your information private and protected. When you receive a response from a Lanco FCU representative, you’ll receive an e-mail notification to log into Online Banking to retrieve your message.
General Correspondence or Feedback
For general questions or feedback, feel free to contact us by e-mailing memberservices@lancofcu.com. Please note that you should NOT include your account number, card numbers, or any other private personal information in unencrypted e-mails. For matters pertaining to your accounts, please call us or write to us through online banking.
Prior Announcements
March 16, 2020 Announcement
With Monday’s directive from Governor Wolf that non-essential stores be closed, we wanted to confirm for our members that Lanco FCU remains open for business. As previously stated, our top priorities are the safety of our members and employees and maintaining service to members. Given that social distancing has become an important practice in slowing the spread of COVID-19, Lanco FCU will be limiting in-branch services beginning Tuesday, March 17, 2020 until further notice. Please understand that, although our doors may be locked during regular business hours, we are open and here to serve you. In-branch limitations may vary based on the services typically available at each individual location, but generally will occur as follows:
- Transactional services— Available by e-services, drive-thru, night drop, or ATM.
Lanco FCU encourages all members to perform transactions from home as possible, or by using our drive-thru, night deposit, or ATM facilities. Lobbies will be closed for transactional services, such as deposits, transfers, and withdrawals, until further notice.*Night Deposit Changes: For cash deposits, check deposits, and loan payments, we encourage you to expedite your trip and skip the drive-thru line by using the night depository. While branch services are limited, items placed in the night depository will be collected and processed frequently throughout each day.*ATM Availability on Tuesday 3/17 and Wednesday 3/18: Please note that our ATMs have upgrades occurring Tuesday afternoon (Roseville and Brownstown locations), Wednesday morning (Willow Street location), and Wednesday afternoon (Mount Joy location). During these maintenance windows, the ATM at the affected location will not be available. We apologize for any inconvenience this may cause and encourage you to contact us with any questions or visit lancofcu.com/atms to find additional surcharge-free ATMs near you.
- Members with existing appointments— There are no changes to scheduled appointments. Please come to the branch as planned or contact the representative with whom you are working if you would like to make any changes.
- Account changes, new accounts, loan applications, etc.— Some requests may be possible through self-service tools, while others may require an appointment. Contact us to discuss options available to you and determine the best course of action.
- Debit Card Issuance— Please call ahead to request your card; pick-up is available via drive-thru at Roseville or Willow Street branches or opt to receive your card by mail.
- Coin Counters— This service is currently unavailable.
- Safe Deposit Box Access— Available by appointment only.
- Notary Service— Available by appointment only.
For further information or to request an appointment, please call (717) 569-7180 or e-mail memberservices@lancofcu.com.
We truly appreciate your cooperation and patience as we adapt to the current situation, and we want to remind you that, as your trusted financial partner, Lanco FCU has plans in place to maintain operations and keep you and your accounts safe.
Sincerely,
Jeremy Jenkins
President/CEO
March 13, 2020 Announcement
As our community begins to see the effects of Coronavirus mitigation efforts, Lanco FCU wants to assure you that we are focused on the safety of our members and employees, and we have plans in place to maintain operations and avoid potential disruptions to service.We recognize that some members may experience financial hardship as a result of this pandemic. Please know that, as your credit union, your well-being is important to us and we are here to help. Should you need to discuss any options available to help you maintain good financial standing, please contact us to speak with a representative.
With measures to limit public interaction increasing, we’d like to remind you of the self-service tools available to help you manage your finances from the safety of your home. Lanco FCU offers free online, mobile, and telephone banking services that provide you with various capabilities:
- Get account balances, transaction history, perform transfers, and pay bills with Online Banking and the Lanco FCU mobile app.
- Communicate securely with us via the Message Center in Online Banking.
- Deposit checks from the Lanco FCU app using your mobile camera (Log into the app and enroll today for account approval.)
- Check balances, transfer funds, review transaction history and place stop payments by calling Gabby, Lanco FCU’s automated telephone teller, at 1-800-318-4222.
If you’re not yet enrolled in Online Banking, or it’s been a long time since you’ve logged in, please consider logging into the service today to ensure your ability to access your accounts. Visit lancofcu.com/e-services to learn more and contact us if you require any assistance.
Thank you for being a Lanco FCU member.
Sincerely,
Jeremy Jenkins
President/CEO