Frequently Asked Questions

Federal Regulation D limits the number of transfers per month members can make from their Savings account to another account to six. When members call and try to make additional transfers, we get a message that the limit has been exceeded.  Automated telephone, online and mobile banking will also prevent the transaction from occurring. 

This information can be found using online banking or automated telephone banking. 

You can place a stop payment on a check or range of checks in Digital Banking in the Tools menu under Check Services.  The fee will automatically be taken from your account.  If you need to place a stop payment on a pre-authorized electronic transaction (ACH), you will need to contact us at 800.837.4562.

To authorize a third party to deposit or withdraw funds to and from checking you need both our routing number and your account number.

Our Routing Number is 272479812.

Your MICR account number will depend on the type of account you have and when it was opened. MCIR  numbers for each account can be found under the account details tab in our digital banking platform.

If you don't use digital banking, contact us for more information.

You can stop paper statements by enrolling in Digital Banking and signing up for eStatements. Once you have enrolled. simply click on the eDocs tab to change your statement preference from paper to electonric.

Please note that if you have more than one account/member number, you will only be able to enroll the account used to register for digital banking.  Please contact us to enroll your other account. 

LOC places a hold on your deposit until we are able to verify it. 

There is no fee when using your LOC card at an LOC ATM.

You can use Digital Banking to place a stop payment on the range of check in your checkbook.  You should also contact us by phone or  by stopping into the branch to review your account. 

You can use Digital Banking to place a stop payment on the range of check in your checkbook.  You should also contact us by phone or  by stopping into the branch to review your account. 

You can view our complete fee schedule here.

Forms are mailed prior to January 31.  If you have eStatements, no form will be mailed, but will be able to you online by clicking on the eStatements tab.

Both our personal fee schedule and business fee schedule are available online.

If you are a Digital Banking user, you can find your account number after you successfully login. This information is found on the Account Details. If you are looking for an account number to set up automatic deposits to or payments from you account, please make sure you are using the MICR account number format.  For checking accounts, your MICR account number either begins with 71047, 108000 or 13000000. 

If you are looking for your account (member) number so you can register for Digital Banking, this information would have been provided to you at the time you opened your account, likely on a membership card or on your account documents.  If you need asssitance, please give us a call. 

One of two reasons may apply.  First, if you have eStatements, no form was mailed, but will be able to you online by clicking on the eStatements tab.

Second, we are only required to report interest earned when it exceeds $10 for the tax-reported for owner of accounts.   

You will get a reminder notice about 10 days before maturity so you may give us your instructions by phone, mail, email or fax. If we do not hear from you, the certificate will automatically renew for the same term at the current interest rate. You have a 10-day grace period after the renewal date to give us instructions without coming into the office. After 10 days, we require an original signature to make any changes, either in person or by mail. Penalties may apply for changes after the grace period.