Online & Mobile Banking
Internet banking has never been easier! When you use online and mobile banking, you can access and manage your LAFCU accounts safely and securely 24/7 from any device with Internet access. Download the Mobile app for APPLE or GOOGLE operating systems. Each app is called "Los Angeles Federal Credit Union" and our full name is on the icon:
Account Nicknames:
- Click on Account name, click "Details" on right, under "Account Nickname" type new name, then click "Save."
Accounts…Open Additional:
- In the top menu bar (desktop), or on bottom menu tap "Menu" (mobile app), then click “Open an Account.”
Accounts…Move Position:
- Desktop: On upper right, click "Customize"…
- Mobile app: On upper right, tap the 3-line slider icon…
- Then click/tap 6 dots to right of Account Name you want to move, drag name to desired position, then click/tap Save.
Accounts…View:
- Desktop: On the top menu bar, click "View My Accounts”
- Mobile app: On the bottom menu, tap “Accounts.”
- When first accessing online banking, all Account names are visible.
Alerts:
”Subscription Alerts" can be customizable for Accounts, Cards & Bill Pay, and Security.
- Desktop: In the top menu bar click the 3 dots, then click "Alerts." Click on slider button to start process to set up an alert.
- Mobile app: On the bottom menu, tap "Menu," then "More” then “Alerts.”
Bill Payments:
- Desktop: On the top menu bar, click "Pay My Bills.”
- Mobile app: On the bottom menu, tap "Pay Bills.”
Contact Info changing (Personal Details, Address & Preferences):
- On the upper right of the menu bar (desktop) or top right side (mobile app), click the circle (Profile image), then click "Profile." Under "Contact Information," make edits then click “Save Changes.” Select “Address” & “Preferences” to make other changes.
Customize Your View:
- Desktop: On upper right, click "Customize.” Temporarily hide a section by clicking on the orange slider button so it turns grey then click “Save.” To show a hidden section, click any grey slider button so it turns orange, then click “Save.”
- Mobile app: On upper right, tap the 3-line slider icon then tap Dashboard. Temporarily hide a section by tapping on the left-side eye icon so it turns grey with a line through it, then tap “Save.” To show a hidden section, tap any grey eye icon so there’s no line through it, then click “Save.”
External Accounts Link:
- On bottom of Accounts list (desktop) or bottom of Accounts page (mobile app), click "Connect a Financial Institution” to view account balances and transaction information from your non-LAFCU accounts.
FAQs (Frequently Asked Questions)
- In the Quick Links section on the Dashboard, click “FAQ,” enter a question, then click “Ask.”
Financial Health Checkup (Money Management from Yodlee):
- In the Dashboard, in "Financial Health Checkup” click the "Get Started" button.
Forms (secure):
- In the top menu bar click the 3 dots (desktop) or tap “Menu” on bottom then "More" (mobile app), then click "Secure Forms.”
Home page (of online banking) return:
- On the upper left of the Dashboard (desktop) or top of screen (mobile app), click/tap the LAFCU logo.
Loan Applications:
- On the top menu bar (desktop), or on bottom menu tap "Menu" (mobile app), then click “Apply for a Loan.”
Login Security…Two Factor Authentication:
- Desktop: On the upper right of the menu bar, click the circle (Profile image), click “Security” then click “Two Factor Authentication” to set up “Google Authenticator.” This is a free software-based two-factor authentication (2FA) application. Once set up it allows you to generate a code on your mobile phone & use it instead of text message (SMS) or email for additional login authentication.
- Mobile app: Click the circle (Profile image) and select Security. You can click a box to enable/disable two-factor authentication at every login. NOTE: Google Authenticator can only be set up from a desktop device.
Logout:
- On the upper right of the menu bar (desktop) or upper right of screen (mobile app), click the circle (Profile image) then click Logout.
Mailing Address changing (& add a temporary mailing address):
- On the upper right of the menu bar (desktop) or upper right of screen (mobile app), click the circle (Profile image), then "Profile,” then "Address" on the next screen.
Member Support & LAFCU Hours:
- In the top menu bar click the phone icon (desktop) or on bottom menu tap "Menu" then scroll down (mobile app). Click “Hours” to view business hours.
Messages…send securely:
- In the top menu bar (desktop) or top of screen (mobile app), click the Envelope icon, then click "Create New Message."
More Features (Mobile App Only):
Open an Account, Apply for a Loan, Stop Payment, Make a branch Appointment, Statements & Documents, Travel Notice, Alerts, Secure Forms, and Member Support.
- On bottom menu, tap "Menu” then tap "More" for additional features.
Mobile Check Deposit (Mobile App Only):
- On bottom menu, tap "Deposit.”
Person-To-Person Payments:
- Sign up then use PayPal and Venmo. For help, on the Dashboard, click "Learn More" in the Person-to-Person Payments section.
Profile Photo…add to Desktop & Mobile App:
- On the upper right of the menu bar (desktop) or upper right of screen (mobile app), click the circle (Profile image), then click "Profile." Under "Profile Image," click "add photo" then browse to a jpg or png-format image.
Quick Links to important services:
- On the Dashboard, view the "Quick Links" section.
Relationship Rewards level:
- In the "Relationship Rewards" section on the Dashboard, click "View Your Rewards.”
Savings Goal:
- In the Dashboard, click the "Create a Savings Goal" button in the “Savings Goal” section, then follow the instructions. Multiple goals can be set up.
Search & Questions:
- Desktop: On the upper left of the Dashboard, type questions in the "What are you looking for" search field.
- Mobile app: On top, tap the magnifying glass icon then enter a question.
Spending Analysis (from "Yodlee”):
- “In "Spending Analysis" in the Dashboard, click "View More Details” then follow the instructions.
Spend Forecast (from "Yodlee”):
- In "Spending Forecast" in the Dashboard, click “View Detail” then follow the instructions.
Statements, Tax Forms & Notices:
For Savings, Checking & Loans, & Visa Credit Card in desktop & mobile app.
- In the top menu bar click the 3 dots (desktop) or on bottom menu click "Menu" then "More (mobile app), then click "Online Statements & Documents.” Click the slider bar on the upper right to choose paper or online statements.
Stop Payment placing:
- In the top menu bar click the 3 dots (desktop) or on bottom menu tap "Menu" then "More" (mobile app), then click "Stop Payment.”
Transfers Funds & Schedule Transfers:
- On the top menu bar click “Make a Transfer” (desktop), or on bottom menu tap "Transfer" (mobile app). You can also connect your non-LAFCU accounts for External Transfers.
Travel Notice setting:
- In the top menu bar click the 3 dots (desktop) or on bottom menu tap "Menu" then "More" (mobile app), then click "Travel Notice.”
Visa & Debit Cards
- In the top menu bar click the 3 dots (desktop) or on bottom menu tap "Menu" then 'More" (mobile app), click "Alerts," then click "Cards.”
- Control access by Region, Merchant & Transaction Type, Lock/Unlock card usage, & set spending limits.
Introducing Zelle® - a fast, safe and free1 way to send money to friends, family and other people you trust, regardless of where they bank1. Whether you're paying rent, gifting money, or splitting the cost of a bill, Zelle® has you covered.
Send money directly from your account to theirs - typically in minutes1.
Use Zelle® within the app you already trust. No account numbers are shared.
There are no fees to send money with Zelle®.
Download the Los Angeles Federal Credit Union App:
Enroll today and send money to friends and family:
Zelle® Frequently Asked Questions
What is Zelle®?
Zelle® is a fast, safe and easy way to send money directly between almost any bank or credit union account in the U.S., typically within minutes1. With just an email address, you can send money to people you trust, regardless of where they bank1.
How do I use Zelle®?
You can send, request, or receive money with Zelle®. To get started, log into Los Angeles Federal Credit Union's mobile app, tap "Transfer," then select "Send Money with Zelle®.” Or, enter online banking, click “Make a Transfer,” then select "Send Money with Zelle®". Following the prompts, enter the information requested, accept the terms and conditions, and you're ready to start sending and receiving with Zelle®.
To send money using Zelle®, simply select someone from your mobile device's contacts (or add a trusted recipient's email address), add the amount you'd like to send and an optional note, review, then hit "Send." In most cases, the money is available to your recipient in minutes1.
To request money using Zelle®, choose "Request," select the individual from whom you'd like to request money, enter the amount you'd like to request, include an optional note, review and hit "Request"2. If the person you are requesting money from is not yet enrolled with Zelle®, you must use their email address to request money.
To receive money, just share your enrolled email address with a friend and ask them to send you money with Zelle®. If you have already enrolled with Zelle®, you do not need to take any further action. The money will be sent directly into your Los Angeles Federal Credit Union account, typically within minutes1.
How do I get started?
It’s easy: Zelle is already available within the LAFCU mobile app and inside online banking! Check out our app and online banking and follow a few simple steps to enroll with Zelle today.
What if I get an error message when I try to enroll an email address?
Your email address may already be enrolled with Zelle® at another bank or credit union. Call our customer support team and ask them to move your email address to Los Angeles Federal Credit Union so you can use it for Zelle®.
Once customer support moves your email address, it will be connected to your Los Angeles Federal Credit Union account so you can start sending and receiving money with Zelle® through the Los Angeles Federal Credit Union mobile app. Please call Los Angeles Federal Credit Union customer support toll-free at (877) 695-2328 for help.
How does Zelle® work?
When you enroll with Zelle® through your Los Angeles Federal Credit Union app, your name, the name of your bank/credit union, and the email address you enrolled is shared with Zelle® (no sensitive account details are shared - those stay with Los Angeles Federal Credit Union). When someone sends money to your enrolled email address, Zelle® looks up the email address in its "directory" and notifies Los Angeles Federal Credit Union of the incoming payment. Los Angeles Federal Credit Union then directs the payment into your Los Angeles Federal Credit Union account, all while keeping your sensitive account details private.
Is my information secure?
Keeping your money and information safe is a top priority for Los Angeles Federal Credit Union. When you use Zelle® within our mobile app or online banking, your information is protected with the same technology we use to keep your Los Angeles Federal Credit Union account safe.
Who can I send money to with Zelle®?
You can send money to friends, family and others you trust even if they have a different bank or credit union1.
Since money is sent directly from your Los Angeles Federal Credit Union account to another person's bank account within minutes1, it's important to only send money to people you trust, and always ensure you've used the correct email address.
I'm unsure about using Zelle® to pay someone I don't know. What should I do?
If you don't know the person, or aren't sure you will get what you paid for (for example, items bought from an online bidding or sales site), you should not use Zelle®.
These transactions are potentially high risk (just like sending cash to a person you don't know is high risk). Neither Los Angeles Federal Credit Union nor Zelle® offers a protection program for any authorized payments made with Zelle® - for example, if you do not receive the item you paid for or the item is not as described or as you expected.
What types of payments can I make with Zelle®?
Zelle® is a great way to send money to friends, family and people you are familiar with such as your personal trainer, babysitter or neighbor1.
Since money is sent directly from your Los Angeles Federal Credit Union account to another person's bank account within minutes1, Zelle® should only be used to send money to friends, family and others you trust.
Neither Los Angeles Federal Credit Union nor Zelle® offers a protection program for any authorized payments made with Zelle® - for example, if you do not receive the item you paid for or the item is not as described or as you expected.
Can I use Zelle® internationally?
In order to use Zelle®, the sender and recipient's bank or credit union accounts must be based in the U.S.
Can I cancel a payment?
You can only cancel a payment if the person you sent money to hasn't yet enrolled with Zelle®. To check whether the payment is still pending because the recipient hasn't yet enrolled, you can go to your activity page, choose the payment you want to cancel, and then select "Cancel This Payment." If you do not see this option available, please contact our customer support team at (877) 695-2328 for assistance with canceling the pending payment.
If the person you sent money to has already enrolled with Zelle®, the money is sent directly to their bank account and cannot be canceled. This is why it's important to only send money to people you trust, and always ensure you've used the correct email address.
If you sent money to the wrong person, please immediately call our customer support team at (877) 695-2328 so we can help you.
What if I want to send money to someone whose bank or credit union doesn't offer Zelle®?
You can find a full list of participating banks and credit unions live with Zelle® here.
If your recipient's bank or credit union isn't on the list, don't worry! The list of participating financial institutions is always growing, and your recipient can still use Zelle® by downloading the Zelle® app for Android and iOS.
To enroll with the Zelle® app, your recipient will enter their basic contact information, an email address, and a Visa® or Mastercard® debit card with a U.S. based account (does not include U.S. territories). Zelle® does not accept debit cards associated with international deposit accounts or any credit cards.
Will the person I send money to be notified?
Yes! They will receive an email via the email they used to enroll with Zelle®.
Someone sent me money with Zelle®, how do I receive it?
If you have already enrolled with Zelle®, you do not need to take any further action. The money will be sent directly into your Los Angeles Federal Credit Union account, typically within minutes1.
If you have not yet enrolled with Zelle®, follow these steps:
- Click on the link provided in the payment notification you received via email.
- Select Los Angeles Federal Credit Union.
- Follow the instructions provided on the page to enroll and receive your payment. Pay attention to the email address where you received the payment notification - you should enroll with Zelle® using that email address to ensure you receive your money.
How long does it take to receive money with Zelle®?
Money sent with Zelle® is typically available to an enrolled recipient within minutes.
If you send money to someone who isn't enrolled with Zelle®, they will receive a notification prompting them to enroll. After enrollment, the money will be sent directly to your recipient's account, typically within minutes.
If your payment is pending, we recommend confirming that the person you sent money to has enrolled with Zelle® and that you entered the correct email address.
If you're waiting to receive money, you should check to see if you've received a payment notification via email. If you haven't received a payment notification, we recommend following up with the sender to confirm they entered the correct email address.
Still having trouble? Please give the Los Angeles Federal Credit Union customer support team a call toll-free at (877) 695-2328 or get in touch through our support page.
1 U.S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes and generally do not incur transaction fees.
1 U.S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes.
Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license..
This is a secure, free, service that can help you better manage expenses.
- Schedule payments for each payee anytime online or with our free Mobile app.
- Modify, add or delete your personal payee list
- Set up one-time and recurring payments
- Set up to receive eBills (if your payee offers it)
- View payment histor
Easily send money electronically 24/7 to anyone if you have their email address, mobile phone number, and their checking or savings account information. Just sign up for PayPal and Venmo and follow the instructions.
Move money between your LAFCU accounts and your accounts at other financial institutions.
- Set up your external account once.
- To sign up, log into Online Banking, and go to “Make a Transfer” (desktop) or “Transfer” (mobile). Select “New Transfer” then “Add External Account”
- To set up, you need your account number at the other institution.
The free app was designed specifically for use on mobile devices.
- Download a LAFCU mobile app: APPLE GOOGLE
- Each app is named "Los Angeles Federal Credit Union" & the new icon has our full name on it:
- Register to use the mobile app
- “Touch ID” access available for certain mobile phones
- View account balances and transaction history
- Transfer funds between accounts
- Make loan and credit card payments
- Use Bill Pay to schedule payments for existing or new payees
- “Alert History” in the Alerts section (accessed from the “More” section) shows alerts you had previously set up using online banking.
- Use the “Deposit” feature to quickly and securely make a mobile deposit for paper checks 24/7 into your LAFCU accounts that accept deposits. Just tap “Deposit” from the bottom menu, accept the Terms and Conditions, then follow the on-screen directions. You can later view check images made during mobile deposits by accessing “Deposit History” after tapping “Deposit” from the bottom menu.
Making Person-To-Person Payments
We encourage you to use your LAFCU Debit card and Credit card to send and receive money using one of several reputable peer-to-peer payment providers such as Venmo® and PayPal®. Basic instructions are below.
VENMO
- Find Venmo in the App Store® or Google Play™ store and download the app to your mobile device.
- Create an account.
- Under Payment Methods, add your LAFCU Debit or Credit card information.
NOTE: Sending funds with a Debit card is free, while a 3% fee applies to Credit cards.
- • Businesses can learn more here.
=====================================
PAYPAL
If you already have a PayPal account:
- Login to your PayPal account and select Wallet.
- Click “Link a card or bank,” and enter your LAFCU card information.
- After verifying your billing address, you’re all set!
If you're new to PayPal:
If you have a PayPal Business account:
* These P2P services may offer you loans or other services from time to time. Before accepting any offer, always remember you have access to special services and loan rates as a valuable LAFCU member. These services are not offered through LAFCU & you should visit each vendor's website for further information.
** We encourage our members to always review LAFCU's products and services within online banking and our website.
*** You are also welcome to schedule an appointment with a LAFCU specialist that is trained to find you the best offer and rate available.
You will experience:
- Mobile-first advanced technology
- Seamless experience & features on mobile, tablet, laptop & desktop
- Convenient debit & credit card controls
- Improved communication & online support
- Advanced mobile-first technology
- Digital forms & improved workflows
- Faster functionality & less downtime
FEATURES OF ONLINE & MOBILE BANKING:
Account Nicknames:
- Click on Account name, click "Details" on right, under "Account Nickname" type new name, then click "Save."
Accounts…Open Additional:
- In the top menu bar (desktop), or on bottom menu tap More (mobile app), then click “Open an Account.”
Accounts…Move Position:
- Desktop: On upper right, click "Customize"…
- Mobile app: On upper right, tap the 3-line slider icon…
- Then click/tap 6 dots to right of Account Name you want to move, drag name to desired position, then click/tap Save.
Accounts…View:
- Desktop: On the top menu bar, click "View My Accounts”
- Mobile app: On the bottom menu, tap “Accounts.”
When first accessing online banking, all Account names are visible.
Alerts:
”Subscription Alerts" can be customizable for Accounts, Cards & Bill Pay, and Security.
- Desktop: In the top menu bar click the 3 dots, then click "Alerts." Click on slider button to start process to set up an alert.
- Mobile app: On the bottom menu, tap “More” then “Alerts.”
Bill Payments:
- Desktop: On the top menu bar, click "Pay My Bills.”
- Mobile app: On the bottom menu, tap "Pay Bills.”
Contact Info changing (Personal Details, Address & Preferences):
- On the upper right of the menu bar (desktop) or top right side (mobile app), click the circle (Profile image), then click "Profile." Under "Contact Information," make edits then click “Save Changes.” Select “Address” & “Preferences” to make other changes.
Customize Your View:
- Desktop: On upper right, click "Customize.” Temporarily hide a section by clicking on the orange slider button so it turns grey then click “Save.” To show a hidden section, click any grey slider button so it turns orange, then click “Save.”
- Mobile app: On upper right, tap the 3-line slider icon then tap Dashboard. Temporarily hide a section by tapping on the left-side eye icon so it turns grey with a line through it, then tap “Save.” To show a hidden section, tap any grey eye icon so there’s no line through it, then click “Save.”
External Accounts Link
- On bottom of Accounts list (desktop) or bottom of Accounts page (mobile app), click "Connect a Financial Institution” to view account balances and transaction information from your non-LAFCU accounts.
FAQs (Frequently Asked Questions)
- In the Quick Links section on the Dashboard, click “FAQ,” enter a question, then click “Ask.”
Financial Health Checkup (Money Management from Yodlee):
- In the Dashboard, in "Financial Health Checkup” click the "Get Started" button.
Forms (secure):
- In the top menu bar click the 3 dots (desktop) or tap “More” on bottom menu (mobile app), then click "Secure Forms.”
Home page return:
- On the upper left of the Dashboard (desktop) or top of screen (mobile app), click/tap the LAFCU logo.
Loan Applications:
- On the top menu bar (desktop), or on bottom menu tap More (mobile app), then click “Apply for a Loan.”
Login Security…Two Factor Authentication:
- Desktop: On the upper right of the menu bar, click the circle (Profile image), click “Security” then click “Two Factor Authentication” to set up “Google Authenticator.” This is a free software-based two-factor authentication (2FA) application. Once set up it allows you to generate a code on your mobile phone & use it instead of text message (SMS) or email for additional login authentication.
- Mobile app: Click the circle (Profile image) and select Security. You can click a box to enable/disable two-factor authentication at every login. NOTE: Google Authenticator can only be set up from a desktop device.
Logout:
- On the upper right of the menu bar (desktop) or upper right of screen (mobile app), click the circle (Profile image) then click Logout.
Mailing Address changing (& add a temporary mailing address):
- On the upper right of the menu bar (desktop) or upper right of screen (mobile app), click the circle (Profile image), then "Profile,” then "Address" on the next screen.
Member Support & LAFCU Hours:
- In the top menu bar click the phone icon (desktop) or on bottom menu tap More then scroll down (mobile app). Click “hours” to view business hours.
Messages…send securely:
- In the top menu bar (desktop) or top of screen (mobile app), click the Envelope icon, then click "Create New Message."
More Features (Mobile App Only):
Open an Account, Apply for a Loan, Stop Payment, Make a branch Appointment, Statements & Documents, Travel Notice, Alerts, Secure Forms, and Member Support.
- On bottom menu, tap "More.”
Mobile Check Deposit (Mobile App Only):
- On bottom menu, tap "Deposit.”
Person-To-Person Payments:
- Sign up then use PayPal and Venmo. For help, on the Dashboard, click "Learn More" in the Person-to-Person Payments section.
Profile Photo…add to Desktop & Mobile App:
- On the upper right of the menu bar (desktop) or upper right of screen (mobile app), click the circle (Profile image), then click "Profile." Under "Profile Image," click "add photo" then browse to a jpg or png-format image.
Quick Links to important services:
- On the Dashboard, view the "Quick Links" section.
Relationship Rewards level:
- In the "Relationship Rewards" section on the Dashboard, click "View Your Rewards.”
Savings Goal:
- In the Dashboard, click the "Create a Savings Goal" button in the “Savings Goal” section, then follow the instructions. Multiple goals can be set up.
Search & Questions:
- Desktop: On the upper left of the Dashboard, type questions in the "What are you looking for" search field.
- Mobile app: On bottom menu, tap “Search” then enter a question.
Spending Analysis (from "Yodlee”):
- “In "Spending Analysis" in the Dashboard, click "View More Details” then follow the instructions.
Spend Forecast (from "Yodlee”):
- In "Spending Forecast" in the Dashboard, click “View Detail” then follow the instructions.
Statements, Tax Forms & Notices:
For Savings, Checking & Loans, & Visa Credit Card in desktop & mobile app.
- In the top menu bar click the 3 dots (desktop) or on bottom menu click More (mobile app), then click "Documents & Statements.” Click the slider bar on the upper right to choose paper or online statements.
Stop Payment placing:
- In the top menu bar click the 3 dots (desktop) or on bottom menu tap More (mobile app), then click "Stop Payment.”
Transfers Funds & Schedule Transfers:
- On the top menu bar click “Make a Transfer” (desktop), or on bottom menu tap "Transfer" (mobile app). You can also connect your non-LAFCU accounts for External Transfers.
Travel Notice setting:
- In the top menu bar click the 3 dots (desktop) or on bottom menu tap More (mobile app), then click "Travel Notice.”
Visa & Debit Cards
- • In the top menu bar click the 3 dots (desktop) or on bottom menu tap More (mobile app), click "Alerts," then click "Cards” (desktop) or click “Subscription Alerts” then “Cards” (mobile app).
- • Control access by Region, Merchant & Transaction Type, Lock/Unlock card usage, & set spending limits.
============================
UPGRADE STATUS
1) BILL PAY: If you use Bill Pay and your vendor is sent a paper check, the check amount will not be deducted from your LAFCU account until the vendor cashes the check. This means you will have a delay in knowing your real-time account balance.
SUGGESTION: Set up a "balance" alert so you will know your account balance, which should prevent you from mistakenly overdrawing your account. See the above "Alerts" to learn how to set up an alert.
2) STATEMENTS: Viewing Checking, Savings & Loans statements will only be in PDF format, since the HTML-version is no longer available.
3) TRANSFERS: Due to an unforeseen issue during the upgrade on 6-8-21, not all one-time or recurring transfers remained setup.
SUGGESTION: Please review the transfers you had set up & confirm they are still there. If not, set them up again. Learn how or call our Member Services for assistance at (877) 695-2328.