Frequently Asked Questions

We do not have a partnership with Zelle, Cash App or Venmo.  You should able to use Cash App or Venmo apps with your LOC debit card.

Beginning April 1, 2025, Zelle® will no longer allow users to send or receive money through the standalone app. Zelle® will only be available through online banking integrations for banks and credit unions that partner with Zelle®. LOC Credit Union is not one of the financial institutions that partners directly with the Zelle integration.

Moving forward for Zelle users, in order to transfer money to members of other financial institutions, you will have to connect your accounts to other third-party platforms like Apple Cash, Google Pay, Venmo, Cash App, or PayPal. Additionally, you do have the option to send peer-to-peer payments via BillPay inside the LOC Digital Banking platform.

If you have any additional questions about your current Zelle Usage, our team is standing by at any of our six branch locations ready to answer your questions, as well as provide you with alternative options for your existing payments! You can also reach out to our Contact Center at 800-837-4562 with any questions you may have.

For most users, our external transfer limits are as follow:

• $2,500 per day
• $5,000 per week
• $10,000 per month

New members may have lower limits.  You can verify you limits in our digital banking platform. 

Items being sent by mail, including payments, should be sent to:

LOC Credit Union
PO Box 760
Farmington, MI 48332-0760

Please do not send mail to individual branch locations. 

Unfortunately, converted transfers cannot be changed or canceled in our system. You must contact us to make any changes or to cancel the transaction.

If the option to edit or delete a transfer series is greyed out, this means the series was set up by an employee on your behalf or was set up in our previous online banking platform. Modifications to this series will require assistance from one of our team members.

Account to account, account to loan, and user to user are immediate. External transfers set up for an existing external account would still take the 2-3 day window for the transfer to make it to its final destination.

Loan payment amounts will show in the Classic screen within the Transfers widget or the Account Details tab within the Accounts widget, depending on the loan type.

Yes, hiding an account from the Dashboard will not affect your ability to transfer to and from the account. If you hide your account in the Accounts widget, this will prevent you from being able to transfer funds to/from that account. You can gain access again to that account by navigating to the Settings option and making the appropriate modification under the Accounts tab.

You can set up the external account for transfer/payment purposes using the Transfers option and selecting “Add an account to make a transfer”

You will see two options for adding External Accounts:

• Add an account instantly by signing in with the credentials you use for your external account. Once you have completed this process, you can make transfers/payments to and from this account.

• Add an account manually by entering your account number and routing number. Verification can take up to 3 days using what’s called micro/trial deposits.

You can set up the external account for transfer/payment purposes using the Transfers option and selecting “Add an account to make a transfer”

You will see two options for adding External Accounts:

• Add an account instantly by signing in with the credentials you use for your external account. Once you have completed this process, you can make transfers/payments to and from this account.

• Add an account manually by entering your account number and routing number. Verification can take up to 3 days using what’s called micro/trial deposits.

Using the transfer widget, under the Classic tab, select “Add an account to make a transfer” and then “Send money to another LOC Credit Union member.”

You will need to know the recipients last name, account number, account type and share/loan ID.

If you would like to save the account to transfer in the future, you can check the box that says “Save Account for Future Use.”

It may take several minutes for the transaction to occur.

An email notification will be sent.