Application Help & FAQs

 

Help for Each Online Member Application Page

 

Within 30 Days After Joining  · FAQs

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HELP FOR EACH ONLINE MEMBER APPLICATION PAGE

 

(a) Welcome

  • Click the "CLICK FOR MEMBER APP" button to access a new membership application. You must have a valid, working email address to use this application.
  • Click the "CLICK TO LOGIN" button if you need to 1) return to a completed application (to print forms) or 2) return to a NON-completed application (to finish filling it in and hopefully get approved for membership, if it's been less than 30 days since you first started filling out the online application), and only if you had entered an Email Address & Password and clicked "Next" on the application´s "Verification Process" screen, then filled in the "Beneficiary" page and clicked "Save & Finish Later" on the bottom of that page. If you did not click "Save & Finish Later" and/or attempted to become a member but received the screen message "Thank you for your interest in joining Los Angeles Federal Credit Union. We have received your online application and will contact you soon," then later want to use the online application, you must fill in a new application by clicking the "Become a Member" button from the "Welcome to the Online Membership Application" screen and re-enter all data again.

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(b) How to Join LAFCU

  • APPLICATION TIME: This online membership application should take about 15 minutes to fill out, if you have these items near you:
    • Your Identification: Either a valid Driver´s License (must be issued by the State of California if you are joining through LACA) or California Identification card. For members age 17 and under, a school identification card or Social Security card is required.
    • Information about Your Beneficiaries and any Joint Applicants: Names, birthdates, phone #s, mailing address, and Social Security #s.
    • Your Source of Funds: Information from the financial institution you will use today to fund your online LAFCU accounts (information can include a Visa® Card, Visa Debit Card, or Mastercard®, debit card, or credit union / bank statements). If transferring funds from another financial institution, it is recommended to use funds from your Checking account. If using a Visa Card or Mastercard, the maximum you can transfer is $500, and there is no limit if you will transfer funds from a Checking or Savings account you have at another financial institution.

  • ALERT MESSAGES: If you have placed any type of "Alert" message on your Credit Report and want to join LAFCU, DO NOT use this online application. Instead, either: 1) click for membership eligibility, then, download, fill out, sign, date, and mail our paper membership application, or 2) visit a LAFCU branch during business hours.


  • DEPOSIT REQUIREMENTS: Each member is required to open and maintain a Share-Savings account with a balance of at least $5, and pay a one-time membership fee of $5. Accounts open for over 6 months will be charged a monthly fee if a balance of $50 is not maintained. $50 must remain on deposit at all times to use credit union services. The initial savings deposit for minors (17 and under) is $5 (plus the one-time $5 membership fee), and there is no minimum balance required and no monthly fees are ever charged for minor accounts.


  • FOR YOUR SECURITY: To protect your identity and allow you to 1) access your account online and by phone, 2) open other accounts and services, 3) order paper checks, and 4) conduct account transactions online, by phone, at a LAFCU branch or with a phone representative, then within the next THIRTY days mail us a copy or bring these original items to a LAFCU branch:
    • The identification (front & back) used to open your online account.
    • A signed & dated Membership Signature Card (you will be able to download this card during the online application process).
    • A check, Money Order or Cashier´s Check (if you are using one to open your accounts online): If you choose to open your account this way and we do not receive the payment in the next thirty days, for your protection, your membership will automatically be closed.

  • GOVERNMENT REQUIREMENTS: To help the U.S. government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. What this means: When you open a LAFCU account, we will ask for your name, address, date of birth, and other information that will identify you. We may also ask to see your driver's license or other identifying documents.


  • NEW MEMBER COUPONS: Your 1st 90 Days!
    During the first 90 days after joining Los Angeles Federal Credit Union (LAFCU), qualified members are eligible to redeem "New Member Appreciation Coupons." The maximum discounts are:
    • $100 to you for each vehicle balance transferred (minimum $5,000) to open a LAFCU vehicle loan
    • $100 to you for each major credit card balance transferred (minimum $5,000) to open a LAFCU Visa® credit card
    • $100 to you for each major credit card balance transferred (minimum $5,000) to open a LAFCU Visa® credit card
    • $5 off the first order of any LAFCU "Designer" checks

  • MEMBERSHIP QUALIFICATION:
    Indicate just ONE way how you are eligible for LAFCU membership:
    1. Employee of:
      • Los Angeles City Active Employee
      • Los Angeles City Retired Employee
      • Los Angeles City Active Volunteer
      • All City Employees Benefits Service Association (ACEBSA)
      • City Employees Club of Los Angeles
      • Engineers & Architects Association
      • Facilities Operations Plus
      • Harley Davidson of Glendale & Universal City
      • The Mary Lind Foundation
      • Los Angeles Federal Credit Union

    2. Family Member of an Employee:
      • Indicate to whom you are related: LA City Employee, LA City Volunteer, LAFCU Employee, F.O.Plus Employee, H. Davidson of Glendale or Universal City Employee, or M. Lind Foundation Employee.

    3. Join LAFCU Through LACA (Los Angeles Charitable Association, Inc.):
      • Indicate if we can automatically renew your $1.00 LACA membership annually just click either "One Time $1 Fee" or "Annual $1 Fee" from drop-down menu)

    4. LACA Family Member
      • Indicate your family relationship: Grandparent, Parent, Step-Parent, Spouse, Sibling, Step-Sibling, Child, Adopted Child, Foster Child, Grandchild, or Stepchild
      • Enter the name of your family member who is already a LAFCU member.

  • Once you join LAFCU, you are member for life as long as your account is in "good standing." If you have an outstanding loan with LAFCU, you cannot close your Share Savings Account and withdraw membership until the loan is paid off.


  • DISCLOSURES: Click the "LAFCU Master Agreements & Disclosures" linked document to read each online disclosure, then return to the online membership application and click the box next to "You have read the LAFCU Master Agreements & Disclosures...", then click the "Next" button.

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(c) Product Information

  • SELECTED ACCOUNTS: This section indicates which accounts you have selected to open. Since a "Share Savings" account is required for membership at LAFCU, it is already pre-selected for you. If you choose to open other accounts from the "Product Selection" section, they will appear immediately in the "Selected Accounts" section. Click on the "Check Card," "e-Statements," and Overdraft Protection (or Checking Accounts) boxes to select them.

    A minimum $10 deposit is required to open your Share Savings account (this includes a one-time $5 membership fee and a minimum $5 opening deposit). You must have at least $50 balance in your account within six months after opening, or a monthly fee is charged, and you can bring the account balance to $50 within six months with deposits or transfers of $8.34 monthly. A $5 minimum opening deposit (and no membership fee) is required for members age 17 and under. This account is already pre-selected for you above, all balances earn dividends, and higher balances earn higher dividend rates.


  • PRODUCT SELECTION: Use the tabs to browse then select other accounts to open:
    • Holiday Account: $50 minimum opening deposit. There are no monthly service charges, a fee applies if you withdraw the funds early, and the funds are automatically transferred to your LAFCU Share Savings account every November.


    • Regular Checking Account: $50 minimum opening deposit. Select the tier based on your opening deposit. No minimum balance requirement, No per-check fees, Unlimited check writing, Dividends are earned on balances of $1,000 and above, Fee-free access at any LAFCU or CO-OP® ATM, Free e-Branch online account access Free e-Bill Pay, Free e-Check Images (online viewing of your cleared checks through e-Branch), Free TouchTel -24 access, Receive one free box of standard LAFCU checks upon Checking account opening (Basic, Value & Imperial members); Premier, Premier-55 and Premier Plus members can also get one free box per year.


    • Regular Money Market or e-Money Market: $2,500 minimum opening deposit. Select which account you want to open and the tier based on your opening deposit.
      • Regular Money Market: This pays rates higher than our Share Savings account and allows unlimited access at any branch. You can make up to 6 (six) pre-authorized or telephone withdrawals per calendar month, three of which can be by check.


      • e-Money Market: This pays our highest Money Market rates when you also maintain an active* LAFCU checking account and opt-in to receive e-Statements for your entire membership account. You can access your e-Money Market account at no charge online via e-Branch, ATM, TouchTel -24, and with personalized Money Market Checks. And, unlike other online financial institutions, if you need to visit a branch or call our staff for a transaction, you can do that too, for a minimal fee. You can also make up to 6 pre-authorized or telephone withdrawals per calendar month, three of which can be by check.
        * During each calendar month, the account must have five (5) of any of the following debit (withdrawal) transactions: ATM, ACH, e-Bill Pay, POS, or Share Draft Checks.


    • Share Certificate Account (like a CD): You must select a term (from 3 to 60 months), and if you are age 25 or under you can elect to open a "Starter" Certificate that requires only $100 minimum deposit (vs minimum $1,000 for our "Regular" Certificates). The rate and term are locked upon account opening, and your certificate balance will start accruing interest AFTER the opening balance is received and deposited by LAFCU into your account.


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(d) Application Information
Fill in the required fields that are marked with an asterisk (*), and any other fields if you have the information. When done, please review everything, since providing mis-entered or inaccurate info can cause a denial of your application.

  • Personal Info
  • Contact Info
  • Employment Info
  • Current Address: Along with your street address, zip, city and state, you must indicate your "Occupancy Status" (Buying/Own with Mortgage, Government Quarters, Live with Parents, Own Free & Clear, Rent, or Other), and how many years and months you have lived at this address. If you indicate under two years, you will be immediately prompted to enter "Previous Address" info in a separate section.
  • Previous Address: Fill this in only if you have lived at your Current Address less than two years.
  • Mailing Address: If you wish to receive mail a different location than your "Current Address," click "No" when answering the question "Is Mailing Address same as Current Address?", then you will be immediately prompted to enter "Mailing Address" info in a separate section.
  • Joint Application: If you click "yes", a separate screen will appear later for you fill in info about the person you want as a Joint Account Owner (Joint Applicant).
  • Additional Questions [please answer all questions]:
    * 1) How Did You First Hear about LAFCU?: Select one option (this is required) · Billboard ad · Community Event · Co-Worker · CUDL Vehicle Dealer · Facebook Page · Family · Friend · Gas Station Ad · Golf ScoreCard Ad · LAFCU Branch Sign · LAFCU Employee · LAFCU Member· LAFCU Presentation · LAFCU´s Website · Newspaper Ad · Radio Ad · School Sign · Special Event · TV Ad · Twitter ·Web Search.

    * 2) Set up my temporary PIN for both e-Branch (online account access) and TouchTel -24 (telephone account access). The PIN must be exactly 6 digits, and you will be prompted to change your PIN the first time you log into e-Branch. You should also change your PIN for TouchTel -24 (24/7 telephone account access automated service). You can access these services AFTER you provide LAFCU with your proper ID and signed Member Signature Card.

    3) If you are joining LAFCU because you were referred by a LAFCU employee, enter the employee´s name in this field.

    * 4) Are you requesting LAFCU Membership by first joining LACA ( The Los Angeles Charitable Association, Inc)? (select yes or no from the drop-down menu)

    * 5) Source of funds for your initial LAFCU deposit?.....Select one option from the dropdown menu (ACH, Cash, Check, Credit Card, Wire, or Combination)

    * 6) Will your account be used for personal or business/organization purposes?.....Select one option from the dropdown menu (personal, or business/organization).

    * 7) Are you a close associate or a family member of a senior foreign political figure?...Answer either Yes or No from the dropdown menu.

    * 8) Are you a citizen of one of these countries: Balkans, Belarus, Burma (Myanmar), Cote d’Ivoire (Ivory Coast), Cuba, Democratic Republic of the Congo, Iran, Iraq, Liberian Regime, Lebanon, North Korea, Somalia, Sudan, Syria, or Zimbabwe?...Answer either Yes or No from the dropdown menu.

    * 9) For your LAFCU account(s), what are your estimated total monthly averages for the following DEPOSIT transactions: Cash, Domestic Wires, Foreign Wires, ACH? If none, answer "0."...Enter a whole number, with no decimals, in the blank box on the right.

    * 10) For your LAFCU account(s), what are your estimated total monthly averages for the following WITHDRAWAL transactions: Cash, Domestic Wires, Foreign Wires, ACH? If none, answer "0."...Enter a whole number, with no decimals, in the blank box on the right.

  • Comments/Additional Info: Add anything you want in this box.

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(e) Joint Applicant Information
If you checked the option on the "Application Information" page that you want to have a Joint Applicant (also called a Joint Account Owner) on your account, then on the "Joint Applicant" page you must fill in the required fields that are marked with an asterisk (*), and any other fields if you have the information. Please review everything when done.

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(f) Verification Process
Enter an email address and create a password, then click the "Next" button on the bottom of the page. This will allow you to return to 1) a completed application (to print forms) or 2) a non-completed application (to finish filling it in and hopefully get approved for membership)...if you entered an email address & password and clicked "Next" on the "Verification Process" screen, then fill in the "Beneficiary" page and click "Save & Finish Later" on the bottom of that page.

If you did not click "Save & Finish Later" and/or attempted to become a member but received the screen message "Thank you for your interest in joining Los Angeles Federal Credit Union. We have received your online application and will contact you soon," then later want to use the online application, you must fill in a new application by clicking the "Become a Member" button from the "Welcome to the Online Membership Application" screen and re-enter all data again.

A short time after you click the "Next" button on the "Verification Process" screen, a message will be sent to the email address you entered on this screen: "You received this email to confirm you provided a valid email address when filling out an online membership application to join Los Angeles Federal Credit Union."

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(g) Multi-Factor Authentication Enrollment
By filling out this required page, it later ensures that only you can access your online application info. During this process, select your image, create your phrase, select & answer five security questions, and register your computer.

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(h) Beneficiary
By filling out this page, in the event your assets must be disbursed and you’re not available to receive them, you can specify who will receive the assets. When done, please review everything, since providing mis-entered or inaccurate info could cause issues in the future. Fill in the required fields that are marked with an asterisk (*), and any other fields if you have the information.

NOTE: If you click "Save & Finish Later" at the bottom of the "Beneficiary" page, you can return to the application in the future & finish filling it in by first clicking the "Login" button on the "Welcome to the Online Membership Application" page.

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(i) Review Information: Data Entered

  • This allows you to review all data entered so far. To make changes, use your browser´s "back" button to return to the appropriate page(s), make the changes, then click through each page in order, until you reach the "Review Information" page again.


  • When you are satisfied with the data entered, read the "Disclosure" info on the bottom of the page: "By clicking the "I agree" checkbox, you authorize us to verify the information you submitted and to obtain CREDIT REPORTS concerning you. Upon your request, we will tell you if a credit report was obtained and give you the name and address of the credit reporting agency that provided the report. You warrant to us that the information you are submitting is true and correct. By submitting this application, you agree to allow us to receive the information contained in your application, as well as the status of your application."


  • After reading the Disclosure, if you agree with it, click the box to the left of the word "Disclosure" (if you do not click the box, you will not be able to finish using the online account opening application). Next, click the "Next (I Agree)" button on the bottom of the page.

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(j) Review Information: Five Questions
To help authenticate and protect your identity, you are required to correctly answer five multiple-choice questions about yourself, such as:

  • What cities have you never lived in?
  • What streets have you never lived on?
  • What was the name of the financial institution that financed one of your "__make/model___" vehicle a certain number of years ago?

When done, click the "Submit Answers" button, then wait to see if you passed this important step.

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(k) Account Funding
On this page you set up funding (with one of three methods) for the accounts you decided to open. After filling out the info, click the box to the left of "I agree to fund the account using the above method," then click the “Next” button...or click "Save & Finish Later" if you decide to concurrently delay becoming a LAFCU member and therefore delay the funding of your accounts.

The minimum opening deposits are:

$10 Share Savings: The deposit includes a one-time $5 LAFCU membership fee, and a $5 minimum opening account deposit. To avoid a monthly fee, the account balance must at least $50 within six months of account opening. If joining through LACA, your $1 LACA member fee will be taken automatically from your $5 LAFCU membership fee.
$50 Regular Checking
$50 Holiday Savings
$1000 Regular Share Certificate
$100 Starter Share Certificate. This is only for Primary Account Owners age 25 or under when opening their LAFCU membership.
$2500 Regular Money Market or e-Money Market

1) Transfer funds FROM YOUR CHECKING OR SAVINGS ACCOUNT at another Financial Institution (called "ACH" Funding)
There is no funding maximum when transferring funds to your new LAFCU accounts from your Checking or Savings account at a non-LAFCU financial institution. Fill in this info:

  • Account Type (select Checking or Savings from the drop down menu)
  • Name on account: This MUST match either the Primary or Joint Account Owner´s name on LAFCU´s online membership application you just filled out.
  • Your Account number from the other financial institution.
  • Bank (or credit union) Routing Transit Number: This nine-digit number is usually found on the bottom left of checks. If the Number you entered is valid, the Bank Name & Bank State will automatically populate the fields on this form (please confirm the info is correct before proceeding). If the populated bank name and/or state is not correct, or you do not have the Number or are unsure of it, please contact your bank or credit union and ask them for it (some have the Number on their website).
  • Bank (or credit union) Name & Bank (or credit union) State

If you inputted a valid account number with appropriate funds, then within FIVE business days the funds will automatically be transferred into your LAFCU accounts.

2) Funding with a DEBIT CARD OR CREDIT CARD
There is a $500 funding maximum when transferring funds to your new LAFCU accounts from your Visa® Card or MasterCard at a non-LAFCU financial institution. Fill in this info:

  • Card Type: Select either a Visa Card or MasterCard from the drop down menu
  • Name on card: this MUST match either the Primary or Joint Account Owner's name on LAFCU's online membership application you just filled out.
  • Credit Card Number: Enter the number with no spaces or dashes
  • Card Expiration Date: Click the drop down Month & Year menus to find and select the date
  • CVN Number: Depending on the card selected, this is the last three or four digits on the back of your card in the signature line.
  • Billing Address of the card selected. NOTE: Instead of typing this info, you can also click the "Import Address" button to automatically populate the same address, city, state & zip from the membership application you had just filled out.
  • Billing City, State & Zip

If you inputted a valid card number with appropriate funds, then within FIVE business days the funds will automatically be transferred into your LAFCU accounts. If your card is not valid for any reason (expired, frozen, reported as lost, has insufficient funds, etc.), you will be advised during the "Funding" section to choose an alternative funding source.

3) Funding by mailing a PAPER CHECK.
There is no funding maximum when funding your new LAFCU accounts by bringing or mailing us a paper check from a non-LAFCU financial institution. You can either bring your check to any LAFCU branch, or mail the check to this address:
Los Angeles Federal Credit Union... ATTN: Department "B12"...PO Box 53032...Los Angeles, CA 90053

  • When your check arrives at LAFCU, it will deposited into the accounts you requested, but a portion of the funds in your accounts will NOT be accessible until your check clears. Depending on the state the check is from, the type of check, and the amount, the clearing process could take a minimum of five days after the check is deposited into your new LAFCU account.

  • For your security, your LAFCU membership will be closed if your check is not received by LAFCU within 30 days of account opening, or the check did not clear due to insufficient funds.

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(l) Account Funding: Summary
This page allows you to review the funding you had just set up.

  • Click the "Next" button if you agree with the info presented on this page.
  • Click the "Save & Finish Later" button if you decide to concurrently delay becoming a LAFCU member and therefore delay the funding of your accounts.
  • Click your browser´s "Back" button if you want to edit any info, make the changes, then continue.

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(m) Online Switch Kit
On this page, you can fill out forms to 1) close existing accounts at other financial institutions and electronically transfer the funds to your designated LAFCU account, 2) set up Direct Deposit of your paycheck or other recurring check so the funds are sent to your designated LAFCU account. If you do not want to do either of these options, click the "Next" button on the bottom of the page, or click the "Save & Finish Later" button if you decide to concurrently delay becoming a LAFCU member and therefore delay the funding of your accounts.

1) Close Existing Accounts. Enter the following info for each Financial Institution:

  • Account Name of the LAFCU account into which the funds from your other Financial Institution will be transferred.
  • Bank (or credit union) Name that has the account you wish to close
  • Bank´s Street Address, Zip, City, State, Phone #
  • Date you want to close the account
  • Account number
  • Account type you wish to close and transfer its funds.

Click the "Add Account" button to add additional financial institutions that have accounts you want to close and transfer the funds to your new LAFCU account.

2) Direct Deposit.
If your employer or other entity (like the government) offers the service of electronically sending your paycheck or other recurring check to a financial institution, provide this info:

  • Bank (or credit union) Name that has the account you wish to close
  • Employer or Name of Sender that sends you the check
  • Employer´s Street Address, Zip, City, State, & Phone #
  • Transfer Amount: either click the box next to "Full Amount" or enter the amount you want transferred with each check in the field to the right of "Full Amount"

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(n) Online Switch Kit: Forms

  • On this page, you can view and print your Switch Kit forms in Adobe PDF format.
  • Account Closure Form: After printing it, either mail it or bring to the old financial institution whose accounts you are closing. The form will facilitate the closing of the accounts. Please leave sufficient funds in the old account long enough for outstanding checks and automatic withdrawals to clear. Once all outstanding transactions have posted, then you can close the old account completely and make arrangements to transfer any remaining funds to your new LAFCU accounts.
  • When done, click the "Next" button.

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(o) Final Screen
When you reach the screen, you have successfully become a LAFCU member! Your member number will be displayed on the top of the screen. You should READ then print the page immediately for your records.

Congratulations, you are now a LAFCU member! Your member number is: ________

PLEASE READ THEN PRINT THIS PAGE NOW

(1) WITHIN THE NEXT 30 DAYS: For your security and identity, and allow you to 1) access your account, 2) open other accounts, 3) order paper checks, and 4) conduct account transactions, then within the next THIRTY days, please Mail us a copy or bring the original to a LAFCU BRANCH:

  • Your Identification (front and back copies) used to open your online account (either a valid Driver´s License, or California Identification card) that shows your current, physical address. For member´s age 17 and under, provide a school ID card or Social Security card.
  • Your "Member Signature Card." ON THE BOTTOM OF THIS PAGE,, click to download the card, then sign & date it, along with any Joint Account Owners.

(2) WE WILL CLOSE YOUR MEMBERSHIP THIRTY (30) DAYS FROM TODAY IF:

  • You did not give us front and back copies of...your identification, and signed Member Signature Card (any funds in your accounts will be mailed back to you by check).
  • You opted to mail us a paper check to open your account(s) and we do not receive the check, or the ACH or credit card funding of your account was not successful.

(3) MONEY-SAVING COUPONS: ON THE BOTTOM OF THIS PAGE, click & print the "90 DAY COUPONS" form, then during your first 90 days after joining LAFCU, use them to save up to $100 on EACH new or transferred vehicle loan and credit card, and more.

(4) WANT DIRECT DEPOSIT?: With this free service, any recurring check (like your paycheck or retirement check) is automatically deposited into your designated LAFCU account. On a previous membership application page, you already selected either your Checking or Savings account for the deposit (if you skipped that page, please use the BACK button to access the page, then make your selection). To continue the Direct Deposit set-up, follow these instructions:

  • Work for LA City?: ON THE BOTTOM OF THIS PAGE,, click/print the "LA City Direct Deposit Form," fill it in, then sign/date it & bring it to a LAFCU branch or mail it to the LA City Controller´s office (see address on the form)
  • Retired from LA City?: Click, download and fill in the Direct Deposit Authorization form from LAFCU´s website, sign/date it, then mail it (see address on the form)
  • Employed Elsewhere?: ON THE BOTTOM OF THIS PAGE, click/print & fill in the "Direct Deposit Request Form," sign/date it, and bring it to your employer for processing.

(5) e-STATEMENTS: If you requested this service, click to read the disclosure. When you enter e-Branch and access e-Statements for the first time, you will be asked to click a box that acknowledges you have read the disclosure.

(6) LACA: : If you became eligible to join LAFCU because you signed up to join the Los Angeles Charitable Association, a non-profit philanthropic charity, click to read details.

(7) ACCOUNT FUNDING:
It could take up to FIVE business days for your initial funds to be approved then deposited into your new LAFCU accounts (the time could be longer if you mailed us a paper check). Until that time, for your protection, you can NOT use LAFCU services or access your account until we receive your Identification and Membership Card. Call us to verify that your funds have been deposited. When accessing your account in the future, use the account number at the top of this page.

Thank You for Joining LAFCU!

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(p) Final Email
When you successfully become a member, you will receive a "Dear New Member" email that has most of the same information that appeared on the final screen of the online membership application.

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WITHIN THIRTY (30) DAYS
AFTER JOINING LAFCU ONLINE


(1) FOR YOUR SECURITY: For your security and identity and allow you to 1) access your account online and by phone, 2) open other accounts and service and services, 3) order paper checks and 4) conduct account transactions online, by phone, at a LAFCU branch, or with a phone representative, then within the next THIRTY days, please MAIL us a copy or bring these original items to a LAFCU BRANCH:

  • The identification (front and back copies) you used to open your online account (the front and back of either a valid Driver´s License or California Identification card). For members age 17 and under, provide a school ID card or Social Security card.
  • Membership Signature Card: In case you forgot to print your card when filling out your online membership application, follow these steps
    (a) From upper left side of our website home page, click the "Join LAFCU" button.
    (b) On the first screen in the section "Need to Finish Your Membership Application?," enter the email address you created when first filling out your online membership application
    (c) On the "Verify Your Security" screen, enter the security phrase & password you previously created
    (d) On the "My Account Homepage" screen, click "Track the Status of my account application"
    (e) On the "Check Application Status" screen, click "View Documents” on the bottom right in the "Actions" section
    (f) On the "Application Documents" screen, click the blue word "Display" on the "Member Signature Card" line.
    (g) Print the form, then sign and date it. Joint Account Holders, if any, must also sign the form.
    (h) Mail the form to LAFCU (Attn: Online Branch 12) or bring it to a branch within THIRTY DAYS from the date the online account was opened. If the form is not received during this time period, for security reasons your account will be CLOSED.

(2) WE WILL CLOSE YOUR CREDIT UNION MEMBERSHIP IF:

  • You did not give us a copy of your identification (front and back) and a signed signature card. Any funds in your accounts will be mailed to you with a check.
  • You opted to mail us a paper check to open your account(s) and we do not receive the check, or the check did not clear due to insufficient funds, or the ACH or credit card funding of your account was not successful.

(3) ACCOUNT FUNDING: It could take up to FIVE business days for your initial funds to be approved then deposited into your new LAFCU accounts (the time could be longer if you mailed us a paper check). Until that time, you can NOT use LAFCU services or access your accounts unless we receive your Identification (front and back copies) and signed Member Signature Card. Call us to verify that the funds have been deposited. When accessing your account in the future, only use the last six digits shown at the top of the last screen in the online account opening process.

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FAQs

(a) Alert Message: : I have an identification protection Alert Message that I placed on my Credit Report. Can I use LAFCU´s online membership application?
Answer: No. This message, for your protection, will NOT allow you to use our online application. To join LAFCU:

  • Click for membership eligibility, then, download, fill out, sign, date, & mail our paper membership application, or
  • Visit a LAFCU branch during business hours to fill out an application.

(b) Application time: How long should it take to fill out LAFCU´s online membership application?
Answer: About 15 minutes, if you have these items near you:

  • Your Identification: Either a valid Driver´s License (must be issued by the State of California if you are joining through LACA) or California Identification card. For members age 17 and under, a school identification card or Social Security card is required.
  • Information about Your Beneficiaries and any Joint Applicants (Joint Account Owners): Names, birthdates, phone #s, mailing address, and Social Security #s.
  • Your Source of Funds: Information from the financial institution you will use to fund your online LAFCU accounts (information can include a major credit card, debit card, or credit union / bank statements). If transferring funds from another financial institution, it is recommended to use funds from your Checking account.

(c) Credit Report: Will a full credit report on me and any Joint Account Owners (but not on Beneficiaries) be run when I´m filling out the LAFCU online membership application?
Answer: Yes and No. This is only done when you fill out an application online or in our branches and successfully become a member, so we may securely identify you and any Joint Account Owners and determine which LAFCU products and services would benefit you the most. A Credit report is not run if either 1) you do not set up the funding of your accounts during the online application process (by clicking the "Save and Finish Later" button) or 2) you receive an email that says "Thank you for your interest in joining Los Angeles Federal Credit Union. We have received your application and will contact you soon". It means your application could NOT be completed online for one or a variety of reasons. Please wait until we contact you by US Mail for an explanation. During the online application, information about you is processed in this order: ID Authentication (5 questions), ID Verification (including ChexSystems and OFAC), then a credit report.

(d) Email Message "Thank You for Your Interest": When I attempted to join LAFCU using the online membership application, I was emailed the following message: "Thank you for your interest in joining Los Angeles Federal Credit Union. We have received your application and will contact you soon." What does this mean?
Answer: It means your application could NOT be completed online for one or a variety of reasons. Please wait until we contact you by US email for an explanation.

(e) e-Statements: Will I automatically be signed up for online Acrobat PDF-format e-Statements when I join LAFCU using the online membership application?
Answer: Yes. You will be sent an email the first week of each month notifying you when your e-Statement for the prior month is ready for viewing inside e-Branch, our FREE online account access service.

(f) Funding My Accounts: Should I fund my accounts by transferring from a checking or savings account, a Visa® credit card, or by mailing a paper check?
Answer: You may use any method. However, checking account transfers are faster and higher amounts can be sent to your new LAFCU account. Visa has a $500 maximum, and paper checks must clear before funds are available.

(g) Not Finishing an Application: : If I do not finish filling out the online membership application, can I return later to finish it?
Answer: Yes, if 1) It´s within 30 days after you started filling our the application, and 2) if you had previously reached the section called "Beneficiary" then clicked the "Save & Finish Later" button at the bottom of that page. When you are ready to finish the application:

  • From our website home page, click the "Join LAFCU" button.
  • On the first screen in the section "Need to Finish Your Membership Application or Print Forms?," enter the email address you created when first filling out your online membership application
  • On the "Verify Your Security" screen, enter the security phrase & password you previously created
  • On the "My Account Homepage" screen, click "Finish a previous Account application"
  • On the "Check Application Status" screen, click "Edit Application" on the bottom right in the "Actions" section, and you will return to the last page you filled out, which could only be the "Beneficiary" or "Accounting Funding" page
  • Continue filling out the application. You will be successful if you 1) reach a screen that says "Congratulations, you are now a LAFCU member!" and your account number is displayed at the top of the screen, and 2) receive an email with confirmation info.

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