Account Services

Land of Lincoln Credit Union understands that technology changes at a rapid pace and that our members need their financial services to keep up. Because of this, LLCU vows to continually evaluate and improve our account services in order to optimize convenience and efficiency for our member’s banking experience. The following is a list of Account Services currently offered:

Online Banking

LLCU Online Banking offers you the convenience of accessing your LLCU accounts anytime, anywhere! No need to schedule extra time before or after work to get to the branch. You can fulfill most of your banking services right from your computer! Here are all the services you can executive with Online Banking:

Check account balances

  • Transfer funds between accounts
  • Update your contact information
  • Make a stop payment
  • View checks
  • Check loan payments and payoffs
  • Reorder checks
  • Register for BillPay services
  • View/Print e-Statements

To access Land of Lincoln Credit Union’s Online Banking Services, simply enter your USER ID in the box on our homepage. If you are not yet enrolled in our Online Banking Services, please contact a Member Service Representative to help you get set-up.

Mobile Banking

LLCU Mobile Banking offers the ability to use your personal phone or tablet to conduct your banking services through our secure mobile app.

LLCU Mobile Banking allows you to perform the following services:

  • Access accounts and check balances
  • Transfer money between accounts
  • Pay bills through BillPay
  • Make check deposits using Mobile Deposit
  • Find branch and ATM locations

Mobile Banking is an app platform for Apple® and Android® smartphones and tablets.

  • Apple iPhones running iOS 6.0 or later and Android smartphones running version 2.2 or later are compatible with the LLCU Mobile Banking app. Apple iPod Touch and iPad devices running 5.0.1 or later are compatible with the LLCU Mobile Banking app, but not with Mobile Deposit. Download the app from your app store. Type “Land of Lincoln” in the search bar and you’ll find the free app.
  • Mobile Banking Login. Mobile Banking is an extension of the Online Banking platform and you will have to enroll in Online Banking first to access the Mobile Banking app. Your User ID and password will be the same for both. After your initial login to Mobile Banking, it will remember your User ID, but not your password.
  • Mobile Banking Security. LLCU Mobile Banking app uses a multi-factor authentication just like the LLCU Online Banking platform. This includes your security questions, your personal image and phrase, as well as your username and password.
  • Quick Balance Summary. Sometimes you might not be looking for actual transactions, but just want to see a quick balance summary. You can choose to view up to (6) account balances without actually logging in to the app. To set this up, follow these steps:Open and sign in to your app
  1. Open and sign in to your app.
  2. Click on the “More” bottom tab.
  3. Click on the “Instance Balance Settings” tab.
  4. Enable the Instant Balance by touching the button.
  5. Now, select up to (6) accounts you’d like to be able to see quick and easy.
  6. Save your preferences.

Next time you open your LLCU Mobile Banking app, you will see a dollar sign icon in the upper right corner. Click on this icon before you enter your password and you will see a quick summary of your accounts!

Mobile Deposit

LLCU Mobile Deposit is a tool designed to make it easy and convenient to deposit checks into your accounts anytime, anywhere, by simply using your camera on your smartphone or iPad. This feature is automatically available when you have downloaded the LLCU Mobile Banking app (see instructions above).

Follow these 10 Easy Steps to Deposit a Check:

  1. Make sure the person to whom the check is made payable is on the account.
  2. Endorse the check with your signature and under the signature write, “Remote Deposit”.
  3. Open the LLCU Mobile Banking app.
  4. Select “DEPOSIT”.
  5. The deposit account will default to your checking account.
  6. Enter the amount of the check you wish to deposit.
  7. Take a picture of the front of the check. The entire check image must be seen.
  8. Take a picture of the back of the check. The entire check image must be seen.
  9. Confirm and submit the deposit.
  10. Temporarily store the original check in a safe place. After you successfully deposit a check, the status will show “PENDING” until it has been reviewed.

Mobile Deposit Rules are as follows:

  1. If your check cannot be accepted, status will change to “FAILED” and we will attempt to contact you via email. You may contact the credit union by calling 1-844-222-7788.
  2. If your check is processing, status may change temporarily to “UNDER REVIEW”.
  3. Our daily cutoff time for accepting mobile deposits is 3pm Monday through Friday, excluding federal holidays. Deposit items that we receive after 3pm, or on non-business days, will be processed on the next business day (Monday through Friday, excluding federal holidays).
  4. If your check is accepted before our daily cutoff time of 3pm, it will usually be deposited into your account between 4pm and 6pm that day (the status of your deposit will change to “ACCEPTED”.)
  5. When your check is deposited into your account, the first $225 of your deposit will be made available to you immediately. The remainder will be placed on hold for up to 2 business days. Longer holds may apply in certain situations.
  6. Once the status of your deposit changes to “ACCEPTED” and you see the deposit in your account history, you may destroy the paper check. You will be able to view a legal image of your check in Mobile Banking (under “Deposits”, then “View Deposit History”) and we will use the legal image for further processing needs.
  7. Most checks are eligible to be Mobile Deposited. However, the following types of checks ARE NOT ELIGIBLE for mobile deposit:
  • Checks payable to any person other than you.
  • Checks payable to you jointly with one or more other person other than you.
  • Checks that have been previously negotiated (including checks that may have been returned), remotely created, Sight Drafts, or checks more than 6 months old (stale dated).
  • Checks drawn on a financial institution located outside the United States or not in the United States currency.
  • Insurance Claim Checks, Money Orders (Postal or Money Gram), Traveler’s Checks, Credit Card Cash Advance Checks.

*For Basic Checking Accounts in good standing, that have been opened at least 60 days, with a valid email address on file, a daily limit of $1,000.00 is in effect. For all other personal checking accounts (including HSA accounts) in good standing, that have been opened at least 60 days, with a valid email address on file, a daily limit of $2,000.00 is in effect.

  Zelle ®

Zelle is a convenient way to send money right from your mobile banking app or online banking account.

Whether it's saving you a trip to the ATM or taking out the guesswork of divvying up the cost of the lunch tab, Zelle is a fast, safe and easy way to send and request money with friends, family and others you trust2. Money is sent directly to the recipient's account and is typically available in minutes1, and all you need to send money is the recipient's email address or U.S. mobile phone number.

Enroll in Zelle® Now

  1. Login to Bill Pay
  2. Select Send Money with Zelle®
  3. Select or enter a new Contact
  4. Enter Amount

Learn more about Zelle® here

  Lincoln Line Phone Banking

Lincoln Line is LLCU’s automated phone banking system that places your accounts at your fingertips 24 hours a day. Lincoln Line is safe, free and easy to use. You can access your LLCU accounts at times that are most convenient for you.

Services and Transaction you can execute with Lincoln Line are as follows:

  • Balance inquiries
  • Transfers
  • Check Postings
  • Check Loan Payments & Payoffs
  • Electronic Funds Postings
  • ATM Transactions
  • Check Loan Due Dates
  • Check Year-to-Date Interest

Once you have received a Personal Identification Number (PIN) from LLCU, you may access the Lincoln Line by calling:


Helpful Hints for using Lincoln Line:

  • Lincoln Line can only be used with touchtone telephones
  • Have your account number and PIN handy before dialing
  • Use the # key only if the system prompts you
  • Press * (star) to repeat information
  • Press 9 (nine) to return to the previous menu
  • Press 8 (eight) to end the call
  • The daily transfer limit on Lincoln Line is $1,000.00
  • When entering dollars and cents, the system automatically knows where to enter the decimal (e.g. $950.25 would simply be entered as 95025#)

For more information or questions, contact a Member Service Representative.

  LLCU Smart Card

Access. Control. Anytime. Anywhere. Cardholders use Smart Card to:

  • Turn their card on and off
  • Set locations where their cards can be used
  • Restrict transactions based on merchant type
  • Establish transaction amount limits
  • Set threshold for transaction amounts
  • Schedule alerts for certain transactions!

View this how-to video for assistance.


LLCU BillPay allows you to automate paying your bills. This is especially helpful to keep you from making late payments or forgetting to pay a bill entirely, which can have a negative impact on your credit score. In addition, it can help you save money on postage and checks, while helping you organize your outgoing bills each month.

BillPay Service allows you to do the following:

  • Pay anyone 24 hours a day
  • Pay bills automatically
  • Pay bills one time
  • Schedule recurring bills
  • Schedule future payments
  • Set-up unlimited payees
  • View your bill payment history
  • View pending payments

BillPay Helpful Hints:

  • Allow pop-ups for Land of Lincoln Credit Union’s website to avoid your browser blocking the BillPay page.
  • To set-up Recurring Payment, select MANAGE MY BILLS tab, select CHOOSE THE PAYEE. Then, click ADD AN AUTOMATIC PAYMENT and complete the applicable areas.
  • To cancel a Recurring Payment, select MANAGE MY BILLS tab, select CHOOSE THE PAYEE, then click DELETE AUTOMATIC PAYMENT 1 and choose OK to confirm the cancellation.
  • Some Payees will be paid electronically and some will be sent a paper check. If the system finds the payee name you are searching for, it will send the payment electronically. If you have to manually enter the payee name and address, the payment will be sent via paper check.
  • Stop Payment. If a payment is made electronically, you cannot stop payment. If the payment was made by paper check, you can put a stop payment on the check for a fee of $24. Stop payments can be completed through Online Banking.

Just a few clicks of the mouse and you can set up BillPay right away! Contact a Member Service Representative to get started.

*Must have a checking account in good standing to enroll in BillPay services.

 Direct Deposits

LLCU Direct Deposit Feature is available on all of our accounts. If your employer offers this service to directly deposit your paycheck into an account, as opposed to a paper check, we can set it up to deposit directly into your LLCU account.  Below are the benefits of Direct Deposit:

  • Deposits arrive faster and are made available quicker to you than paper checks.
  • Direct Deposits can be divided among different accounts based on your specific instructions.
  • No need to visit the branch in person for check deposits or cashing.

To sign up for DIRECT DEPOSIT, check with your employer or visit one of the LLCU branches.

 Member Perks


There are more reasons than ever to love being a member of Land of Lincoln Credit Union.


Your credit union membership is about the trust and care of community, built around where you live, work and play. That’s why Land of Lincoln Credit Union membership saves you money through exclusive member-only offers through our trusted partners. Through Love My Credit Union Rewards, credit union members have saved over $2 billion with offers like:

»   Members can save up to $360 on their wireless bill by switching to no-contract wireless.

»   Members can save up to 35% on IdentityIQ credit report monitoring and identity theft protection.

»   Savings up to $15 on TurboTax federal products.

»   Exclusive access to home tech support and protection with Asurion Home+.

»   Members save on SimpliSafe, the #1 expert pick for home security.

»   Exclusive access to the Love My Credit Union Rewards Powersports, RV & Boat Buying Program.

»   Save on car maintenance + get $10 off your first service using CarAdvise.

»   Save 40% on a 1-year membership to Sam's Club.

»   Build your credit history with rent and save up to 30% with Rental Kharma.

»   Save $40 on Calm, the #1 app for meditation and sleep.

»   Save on your Travel and Entertainment needs like Car Rentals, Hotels, Theme Parks, Movie Tickets and more!


Learn all about how your Land of Lincoln Credit Union membership gets you all these exclusive savings and more at Check them out and start enjoying credit union member benefits you never knew you had.

TruStage Insurance Agency. For simple and reliable insurance, we've got you covered. TruStage® Insurance: Simple, Straightforward, Budget-Friendly.

TruStage® Insurance: Simple, Straightforward, Budget-Friendly.

Insurance is an important part of a solid financial plan. The key is finding coverage that fits your needs and budget from someone you can trust. The right insurance can help give you peace of mind.

Backed by more than 80 years of working with credit unions and their members, you can count on TruStage to help protect what matters most. Trust us for all your insurance needs, including life, health, car and home, accidental death and dismemberment coverage and more.

Get a quote or explore your options at

© Copyright 2020, TruStage. All Rights Reserved.

TruStage® insurance products and programs are made available through TruStage Insurance Agency, LLC. Life insurance and AD&D insurance are issued by CMFG Life Insurance Company, PO Box 61, Waverly IA 50677-0061. Auto and Home Insurance Program are issued by leading insurance companies. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by your credit union.



LLCU also offers an exclusive discount to Holiday World!

Access those discounts at and login with the information below:

Username: Holiday1117

Password: World1117

 E-lerts Notifications

Life is better with reminders! If you like to know when a check has cleared or if your payroll has been deposited, sign up for our free e-lerts.

E-lerts will send you notifications when the following things happen:

  • Savings or checking account balances fall below a selected value
  • Loan payment is past due
  • Check has cleared
  • Direct Deposit has posted to checking or savings
  • Withdrawal from checking or savings is above selected value

 Set up E-lerts with the following steps:

  1. Login to LLCU Online Banking, under “Access Accounts”, select “Email Notification”.
  2. Select “e-lerts Options”, then “Add e-Lert”.
  3. On the next screen, choose from the list of notification types.
  4. Complete the process by including amount and reminder notes. Be sure to specify if you want the e-lert to be connected to checking or savings.
  5. Finish by confirming e-lert on the last screen.

*Note: You will be able to edit your e-lerts at any time by clicking “Modify”. 

Contact a Member Service Representative if you have any questions.

 Text Banking

LLCU offers Text Banking for those that don’t like to remember passwords or wait for automated telephone prompts. Just send us a text and we’ll get you the information you need fast!

To get started, follow these steps:

  1. Start a new text message and send it to “39872”.
  2. Text us what you want to know using the following acronyms:
  • BAL – by typing BAL, you will get a balance for all of your accounts
  • HIST + Account Nickname – by sending this, you can see a recent transaction breakdown for a specific account.

Not sure about your Account Nickname? Login to your Online Banking, go to “Access Accounts” tab, select “Mobiliti” and finally select “My Accounts” tab. You will see all of your accounts with Mobile Banking Nicknames to the right. You can edit them there as well. Make them easy, select “CHECKING” for your checking.

Got questions? Contact a Member Service Representative to help you set it up!

*Message and Data rates may apply.

 My Finances

My Finances from Land of Lincoln Credit Union is a money management tool designed to help you reach your financial goals. Whether you want to reduce debt, increase retirement contributions or save for a specific purpose, My Finances is the tool to help you get it done. Here’s what you can do:

  • See all of your accounts in one place. Import your account information from other financial institutions and see all of your balances at once. All you need is your username and password from the other institution's websites.
  • Track your cashflow. Add income and bills like your paycheck, rent or utilities and tag transactions so you can see where your money is going at a glance.
  • Create a budget. Set monthly spending limits and receive alerts when you're about to go over.
  • Set goals and track progress. Choose your goal, set a time frame and see what you need to do to get there.

To access My Finances, login to LLCU's home banking application from our website and click on the tab titled My Finances to get started.


Take Control of Your Credit. SavvyMoney provides comprehensive credit score analysis, full credit report, monitoring, and personalized offers—all in one dashboard. Through our Online Banking or Mobile App our members have access to score updates, credit alerts, and monitoring.

To access SavvyMoney, login to LLCU's home banking application from our website and click "My Credit Score" in the side bar to get started.

Or tap the "My Credit Score" on the Accounts page on our Mobile App. 

 Wire Transfers

How do I send or receive wire transfers?

To make an outgoing wire transfer, stop into any of our branch locations. Make sure you bring the following information of who the wire needs to be sent to:

  • Account holder name and full address
  • Account number
  • Branch number and full address
  • Institution number
  • Swift Code / BIC / IBAN code (international).
  • Routing Number (domestic)

What is the daily wire transfer cutoff time?

  • The daily wire cutoff time is 4:00pm CST.

What is the fee for sending domestic or international wires?

  • The fee is $20 for domestic wires and $50 for international wires. 

What is an IBAN and is it required for international transfers?

  • The International Bank Account Number (IBAN) is an international standard of identifying bank accounts. These numbers are used when making or receiving international payments. 
  • The IBAN varies by country/institution and does not replace your account number. Only the institution servicing an account can provide the correct IBAN of that account and it must be obtained from the beneficiary of the wire. An IBAN is required for beneficiary accounts in Europe and other countries around the world. 

What is your SWIFT code? Do you offer international wire transfers?

  • Land of Lincoln Credit Union does not have the ability to receive International Wires.

If someone transfers money into my account, can they see my account balance?

No. You and your financial institution are the only ones who can view your account balances.

If you suspect your Land of Lincoln Credit Union accounts have been compromised, contact immediately at 1-844-222-7788 so that we can assist you in safeguarding your information.

Wiring Instructions

Wire transfer is generally the fastest mode of sending and receiving funds to/from your Land of Lincoln Credit Union account. You can send money from within the USA (Domestic Wire Transfer) or to a foreign country (International Wire Transfer). You can receive money from within the USA (Domestic Wire Transfer).  The transaction is initiated by the sender of the funds.

To wire funds from your LLCU account, please contact our office for complete wiring instructions. To successfully receive a wire into your LLCU account, please provide the following information to the sender:

Domestic Wire Transfer Instructions

Domestic Wires
Incoming US Dollar (USD) Wires from a US Financial Institution

Wire Funds To:

 Alloya Corporate Federal Credit Union
 ABA# 271987635

 Warrenville, IL

Further Credit to:

Land of Lincoln Credit Union

4850 E Prosperity Place - Decatur, IL 62521

Account #/Routing # 271183015

Final Credit to:

 Member's Name
 Member's Account #