Mission Prosperity

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 get 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:

    1. Open and sign in to your app.
    2. Click on the “More” bottom tab.
    3. Click on the “Instant 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 quickly and easily.
    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). *New members must wait 60 days from their account opening before they are able to use Mobile Deposit.

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”. Our daily cutoff time for accepting mobile deposits is 3 PM EST Monday through Friday, excluding federal holidays. Deposit items received after 3 PM EST, or on non-business days, will be processed on the next business day (Monday through Friday, excluding federal holidays). If your check is accepted before our daily cutoff time of 3 PM EST, it will usually be deposited into your account between 4pm and 6pm that day (the status of your deposit will change to “ACCEPTED”.)

  3. When your check is deposited into your account, the first $200 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.

  4. 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.

  5. Most checks are eligible to be Mobile Deposited. However, the following types of checks ARE NOT ELIGIBLE for mobile deposit:

  6. Checks payable to any person other than you.Checks payable to you jointly with one or more other person other than you.

  7. Checks that have been previously negotiated (including checks that may have been returned),remotely created, Sight Drafts, or checks more than 6 months old.

  8. Checks drawn on a financial institution located outside the United States or not in the United States currency.

  9. 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 (excluding 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.
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 Transactions 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:

  • Decatur area: (217) 424-9400
  • Outside Decatur: (800) 500-9401

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.

Bill Pay

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 Deposit

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 more quickly 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.

Shared Branches

Land of Lincoln Credit Union is a part of a co-op that allows our members to use nearly 30,000 ATMs throughout the country completely SURCHARGE-FREE!

To find a Shared Branch, CLICK HERE




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Pop Money

PopMoney at LLCU allows you to send and receive money quickly and easily! With PopMoney, you are able to send and receive funds from your account to anyone with an email or phone number. It’s just that easy and fast!

Common Uses for PopMoney:

  • Send a gift to a friend or relative
  • Donate to a worthy cause
  • Pay rent or the babysitter
  • Pay a friend back for lunch or a trip
  • Send money to your college kid

Set up PopMoney with these easy steps:

  1. Login to LLCU Online Banking, under tab “Bill Payment”, select “Pay Bills”

  2. A new window will appear and there will be a PopMoney tab at top. Click it and follow the steps to start using the service.

*PopMoney transactions will incur a minimal transaction fee with each use. In addition, to use PopMoney, you will need to be enrolled in LLCU Online Banking and BillPay.

Contact a Member Service Representative today to get started!

e-Lert 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 “59289”.

  2. Text us what you want to know using the following acronyms:

  3. BAL – by typing BAL, you will get a balance for all of your accounts

  4. 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 and they can help you set it up!

*Message and Data rates may apply.

Your Financial Portfolio

Your Financial Portfolio 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, YOUR FINANCIAL PORTFOLIO 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 Your Financial Portfolio, login to LLCU's home banking application from our website and click on the tab titled Your Financial Portfolio to get started.

Online Banking Security

Land of Lincoln Credit Union is focused on protecting your personal account information at all times from internet fraud. It is no longer sufficient to use only a User ID and Password to access Online Banking. Therefore, we have additional security features to better protect your online banking experience. These additional features listed below are required in order to access Online Banking with LLCU:

  • Multi-Factor Authentication (MFA). Due to guidelines set for the by the Federal Financial Institutions Examination Council (FFIEC), all credit unions are required to implement a security feature which is called Multi-Factor Authentication (MFA). MFA is the process of using multiple methods of identifying information to verify the identity of our existing members.

  • Security Questions. You will be prompted to establish a set of security questions, which will be used to verify your identity and are used in addition to your Online Banking PIN. This will initially take a few minutes to set up, but will give you added protection. If you cannot recall the answers to your security questions, please contact a Member Service Representative at one of our local branches, or via the toll-free number 1-844-222-7788, and we will reset the questions so that you can provide new answers. Security question answers are encrypted and not accessible to anyone, including LLCU employees. Security questions can be edited at any time by logging onto Online Banking.

Member Perks


Did you know that you can receive special deals and discounts just for being a Land of Lincoln Credit Union member? That’s right, joining a credit union can definitely have its perks.


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Six Flags St. Louis*

CLICK TO BUY NOW Username: LLCU Password: Sixflags8

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Holiday World & Splashin’ Safari

CLICK TO BUY Username: Holiday1117 Password: World1117


Prior to opening an LLCU Account, please carefully read through the ACCOUNT AGREEMENT below:

This agreement is subject to applicable federal laws and the laws of the state of Illinois (except to the extent that this agreement can and does bar such rules or laws). We may permit some variations from this standard agreement, but any variations must be agreed to in writing. Unless it would be inconsistent to do so, words and phrases used in this agreement should be construed so that the singular includes the plural and the plural includes the singular. As used in the agreement, the words “we”, “our” and “us” mean the Credit Union and words “you” and “your” mean the owner(s) of this account and any “agent” appointed by or on behalf of the owner(s) to sign on the account in a representative capacity. This account may not be transferred or assigned without our written consent. LIABILITY – Each of you agrees for yourself (and the person or entity you represent if you sign as a representative of another) to the terms of this account and the schedule of changes that we impose. You authorize us to deduct these charges as accrued directly from the account balance. You also agree to pay additional reasonable charges we may impose for services you request which are not covered by this agreement. Each of you also agrees to be jointly and individually liable for any account deficit resulting from charges or overdrafts, whether caused by you or another authorized to withdraw from this account, and our costs to collect the deficit including, to the extent permitted by law, our reasonable attorney’s fees. You agree that at our option we may suspend your membership rights if you violate the terms of this agreement. DEPOSITS – Any items, other than cash, accepted for deposit (including items drawn “on us”) will be given provisional credit only until collection is final (and actual credit for deposits of, or payable in, foreign currency will be at the exchange rate in effect on final collection in U.S. dollars). We are not responsible for transactions initiated by mail or outside depository until we actually record them. All transactions received after our “daily cut-off time” on a business day we are open, or received on a day in which we are not open for business, will be treated and recorded as if initiated on the next following business day that we are open. We are prohibited by law from guaranteeing the payment of dividends or that dividends we do pay will be at the contractual rate. We must base our dividend payments to you upon the money we actually earn and that is available for distribution at the end of the dividend period. Unless otherwise agreed, you waive any rights to receive any original item after it is paid. WITHDRAWALS – Unless otherwise clearly indicated to the contrary, any one of you who signs in the space designated for signatures on the signature card, including any agents, may withdraw or transfer all or any part of the account balance at any time on forms approved by us. We may charge against your account a check, even though payment was made before the date of the check, unless you have given us written notice of the postdating. The fact that we may honor withdrawal requests which overdraw the finally collected account balance does not obligate us to do so unless required by law. Withdrawals will first be made for collected funds, and we may, unless prohibited by law or our written policy, refuse any withdrawal request against uncollected funds even if our general practice is the contrary. We reserve the right to refuse any withdrawal or transfer request which is attempted by any method not specifically permitted, which is for an amount less than any minimum withdrawal requirement, or which exceeds any frequency limitation. Even if we honor a nonconforming request, repeated abuse of the stated limitations (if any) may eventually force us to close this account. We will use the data a transaction is completed by us (as opposed to the day you initiate it) to apply the frequency limitation. We reserve the right to require you to notify us of your intention to withdraw shares or deposits from this account as explained in our by-laws. Withdrawals from a time deposit prior to maturity or prior to the expiration of any notice period may be restricted and may be subject to penalty. See your notice of penalties for early withdrawal. OWNERSHIP OF ACCOUNT AND BENEFICIARY DESIGNATION – The rules apply to this account depending on the form of ownership and beneficiary designation, if any, specified on the account records. This Credit Union is hereby authorized to recognize any of the signatures subscribed hereto in the payment of funds or the transaction of any business for this account. The right or authority of this Credit Union under this agreement shall not be changed or terminated by said owners, or any of them except by written notice to this Credit Union shall not effect transactions therefore made. We reserve the right to refuse some forms of ownership on any or all of our accounts. Individual Account – is owned by one person. Joint Account – With Survivorship (And Not As Tenants In Common) – is owned by two or more persons. Each of you intend that upon death the balance in the account will belong to the survivor(s). If two or more of you survive, you will own the balance in the account as joint tenants with survivorship and not as tenants in common. Joint Account – No Survivorship (As Tenants In Common) is owned by two or more persons, but none of you intend (merely by opening this account) to create any right of survivorship in any other person. We encourage you to agree and tell us in writing of the percentage of the deposit contributed by each of you. This information will not, however, affect the “number of signatures” necessary for withdrawal. Revocable Trust or Pay-On-Death Account – Pay-On-Death accounts may be created only if the account is owned by one person. Revocable Trust accounts may be created by accounts with one or more owners. If two or more of you create a Revocable Trust account, you own the account jointly with survivorship. Beneficiaries of either of these account types acquire the right to withdraw only if: (1) all persons creating the account die, and (2) the beneficiary is then living. If two or more beneficiaries are named and survive the death of the owner(s) of the account, such beneficiaries will own this account in equal shares without right of survivorship. The person(s) creating either a PayOn-Death or Revocable Trust account reserve the right of survivorship. The person(s) creating either a Pay-On-Death or Revocable Trust account reserve the rights to: (1) change beneficiaries, (2) change account types, and (3) withdraw all or part of the deposit at any time. Corporate, Partnership, and other Organizational Accounts – We will usually require a separate authorization for designating the person permitted to withdraw and the condition required for withdrawal from any account in the name of a legal entity such as partnership, corporation, or other organization. We will honor the authorization according to its terms until it is amended or terminated in writing by the governing body of the organization. PLEDGES – Unless you tell us differently in writing, each owner of this account may pledge all or any part of the funds in it for any purpose to which we agree. Any pledge of this account must first be satisfied before the rights of any joint account survivor, pay-on-death beneficiary, or trust account beneficiary becomes effective. STOP PAYMENTS – A stop-payment order must be given in the manner required by law, must be received in time to give us a reasonable opportunity to act on it, and must precisely identify the number, date and amount of the item, and the payee. Our stop-payment cut-off time is one hour after the opening of the next banking day after the banking day on which we receive the item. Additional limitations on our obligation to stop-payment are provided by law. We will honor a stop-payment request by the person who signed the particular items, and, by any other person, even though such other person did not sign the item, if such other person has an equal or greater right to withdraw from this account than the person who signed the item in question. A release of the stop-payment request may be made only by the person who initiated the stop-payment. AMENDMENTS AND TERMINATION – We may change our by-laws and any term of this agreement. Rules governing changes in dividend rates have been provided separately. For other changes we will give you reasonable notice in writing or by any other method permitted by law. We reserve the right to close this account if your membership in this Credit Union terminates. You agree to keep us informed about your current address at all times. Notice from us to any one of you is notice to all of you. STATEMENTS – You must examine your statement of account with “reasonable promptness.” If you discover (or reasonably should have discovered) any unauthorized payments or alterations, you must promptly notify us of the relevant facts. If you fail to do either of these duties, you will have to either share the loss with us, or bear the loss entirely yourself (depending on whether we exercised ordinary care and, if not, whether we substantially contributed to the loss). The loss could be not only with respect to items on the statement but other items forged or altered by the same wrongdoer. You agree that the time you have to examine your statement and report to us will depend on the circumstance, but that such time will not, in any circumstance, exceed a total of 30 days from when the statement is first made available to you. You further agree that if you fail to report any unauthorized signatures, alterations, forgeries or any other errors in your account within 60 days of when we make the statement available, you cannot assert a claim against us on any items in that statement, and the loss will be entirely yours. This 60 day limitation is without regard to whether we exercised ordinary care. The limitation in the paragraph is in addition to that contained in the first paragraph of this section. DIRECT DEPOSITS – If in connection with a direct deposit plan, we deposit any amount in this account which should have been returned to the Federal Government for any reason, you authorize us to deduct the amount of our liability to the Federal Government from this account or from any other account you have with us, without prior notice and at any time, except as prohibited by law. We may also use any other legal remedy to recover the amount of our liability. TEMPORARY ACCOUNT AGREEMENT – If this option is selected, this is a temporary account agreement. Each person who signs in the space designated for signatures on this signature card (except as indicated to the contrary) may transact business on this account. However, we may at some time in the future restrict or prohibit further use of this account if you fail to comply with the requirements we have imposed within a reasonable time. FACSIMILE SIGNATURES – You authorize us, at any time, to charge you for all checks, drafts, or other orders, for the payment of money, that are drawn on us regardless of by whom or by what means the facsimile signature(s) may have been affixed so long as they resemble the facsimile signature specimen on the signature card or that are filed separately with us, and contain the required number of signatures for this purpose. RIGHT TO REPAYMENT OF INDEBTEDNESS – You each agree that we may (without prior notice and when permitted by law) charge against and deduct from this account any due and payable debt owed to us now or in the future, by any of you having the right of withdrawal to the extent of such person’s or legal entity’s right to withdraw. If the debt arises from a note, “any due and payable debt” includes the total amount of which we are entitled to demand payment under the terms of the note at the time we charge the account, including any balance the due date for which we properly accelerate under the note. Our right to repayment does not apply to this account if: (a) it is an Individual Retirement Account or other tax-deferred retirement account, or (b) the debt is created by a consumer credit transaction under a credit card plan, or (c) the debtor’s right of withdrawal arises only in a representative capacity. We will not be liable for the dishonor of any check or draft when the dishonor occurs because we charge and deduct an amount you owe us from your account. You agree to hold us harmless from any claim arising as a result of our exercise of our right to repayment. AGENTS - An agent is someone who you authorize to have access to this account on your behalf. (We, however, have no duty or agreement whatsoever to monitor or insure that the acts of the agents are for your benefit.) This may be done by allowing your agent to sign on the space as an authorized signer on the signature card, or by separate form (such as a power of attorney). An agent is not an owner of the account. We will allow agents to be appointed only on individual accounts unless each owner of a joint account has executed a separate power of attorney naming an agent.