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Login Process

How do I sign up for online banking?  

Head over to our Online Banking enrollment area at laketrust.org/get-online-banking to create a new Online Banking account. You’ll need your account number and the last four digits of your Social Security number to sign up. If you need help, give us a call at 888.267.7200 or stop into any branch.

I am an authorized user on a business account. How do I log in to Online Banking?  

The login for authorized users is whatever the primary business administrator set up. Talk to the primary business owner to get the login information.

How do I reset my Online Banking username or password if I forgot it?  

You can reset your username or password at the link under the Online Banking sign in box. If you still need help, give us a call at 888.267.7200 or stop into any branch.

Mobile Banking

What’s the difference between texts alerts and Text Message Banking?  

Text alerts are set up through Online Banking in the “Mobile Banking & Alerts” tab. You decide when, and if, you want notifications sent to your phone for low balances, large deposits or high payments made. However, these alerts are not in real time. Text Message Banking is when you text in one of the above codes and account information is sent to you in real time.

How do I use Text Message Banking?  

To use Text Message Banking, just activate the service through your Online Banking account. Log in to Online Banking and go to the “Additional Services” tab and locate “Mobile Banking & Alerts”. Enter your phone number and accept the terms and conditions. You’ll be guided through the set-up process.

Once you’ve activated text banking, use these codes to get account information:

  • Text “TRANS” and a dollar amount to transfer money between accounts
  • BAL: Primary account balance
  • BAL ALL: All account balances
  • BAL CHK: Balance of checking account
  • BAL SVG: Balance of savings account
  • LAST: See the last five transactions on your account
  • STOP: Unsubscribe from service
  • HELP: How to use service
How do I log in to Mobile Banking?  

To log in to the Lake Trust mobile app, you’ll need to create an account in Online Banking from a desktop computer first. Head over to our Online Banking enrollment area at laketrust.org/get-online-banking to create a new Online Banking account. You’ll need your account number and the last four digits of your Social Security number to sign up.

Your username and password for Online Banking will be the same for Mobile Banking. Once you set up an Online Banking account on our website, you’ll have access to Mobile Banking.

I am an authorized user on a business account. How do I log in to Online Banking?  

The login for authorized users is whatever the primary business administrator set up. Talk to the primary business owner to get the login information.

How do I deposit a check with Mobile Deposit?  

Check out our handy infographic with all the steps you need to make a deposit.

Why can’t I deposit my check?  

If you tried to deposit a check and received an error message, it could be because:

  • Folded or torn corners
  • Front image is not legible
  • Routing or account numbers are not clear
  • No camera on the device
  • Image is too dark or out of focus
  • Amount entered does not match the amount on the check
Are there checks that I can’t deposit using Mobile Deposit?  

You’ll be sadly disappointed if you try to deposit the following types of checks using Mobile Deposit:

  • Stale-dated checks (six months or later)
  • Checks that are not endorsed by you or a joint account owner
  • Checks with blank payee lines
  • Money orders and savings bonds
  • Checks made payable to someone other than you or a joint account owner
  • Checks made payable to Bearer or Cash
  • Checks drawn off of a foreign institution or payable in foreign funds
  • Suspected or known fraudulent checks
  • Checks made payable to you AND a third party that is not on the account
  • Previously submitted checks through this service or through another institution
  • Checks returned as unpaid
How will I know when the check funds post to my account?  

Immediately after you submit your check images, you’ll get a confirmation number that you can email to yourself. When your deposit is processed, you’ll receive an email notification. Funds may take up to one business day to become available in your account.

What do I do with my check after I use Mobile Deposit?  

We recommend that you keep your check in a safe place for at least 45 days after your Mobile Deposit. We ask that you do this in case there are any issues with the check or deposit. Go ahead and shred the check after this time.

Do I need to sign the back of my check?  

Yes, please sign and write “For Mobile Deposit Only” the back of your check.

What types of devices support Mobile Deposit?  

Mobile Deposit is available for your iPhone®, iPad®, iPod touch® or Android™ phone using the Lake Trust Credit Union Mobile App. Please note: Android™ tablets do not support the app at this time.

How do I know if I’m eligible to use Mobile Deposit?  

All Lake Trust members with an open checking or savings account in good standing are eligible to use Mobile Deposit. Remember to enroll in Online Banking before you download the Lake Trust Credit Union app, as you’ll set-up your login information in Online Banking.

Online Banking

How do I set up an Online Banking account?  

Head over to our Online Banking enrollment area at laketrust.org/get-online-banking to create a new Online Banking account. You’ll need your account number and the last four digits of your Social Security number to sign up. If you need help, give us a call at 888.267.7200 or stop into any branch.

How do I use Purchase Rewards?  

Activate your Purchase Rewards in Online Banking then pay for your purchases with the debit card that’s tied to that account. Here’s how you activate your Purchase Rewards.

How do I disable cookies for Online Banking in Chrome?  

If you don’t want a security code texted or emailed to you each time you log in to Online Banking from a trusted device, you’ll need to disable the cookies in your browser for Online Banking.

  • Go to the Browser Settings menu (the three-line button located at the top right of your screen)
  • Click Settings
  • At the bottom of the screen, select Show advanced settings
  • Click Content settings, located under Privacy
  • Under the Cookies option, choose either Keep local data only until you quit your browser or Block sites from setting any data depending on your preferences
  • Check the box next to Block third-party cookies and site data
  • Click Manage exceptions…
  • In the box under Hostname pattern, type in the Online Banking login address (http://www.laketrustonline.org) and click Done
How do I disable cookies for Online Banking in Internet Explorer?  

If you don’t want a security code texted or emailed to you each time you log in to Online Banking from a trusted device, you’ll need to disable the cookies in your browser for Online Banking.

  • Go to the Internet Options menu (the gear icon at the top right of the screen)
  • Click the Security tab
  • Select Trusted Sites (it should be under a green check mark)
  • Then click Sites
  • Type in the Online Banking login page address (http://www.laketrustonline.org) and click Add.
  • Close out of Internet Options and you’re good to go!
How do I disable cookies for Online Banking in Firefox?  

If you don’t want a security code texted or emailed to you each time you log in to Online Banking from a trusted device, you’ll need to disable the cookies in your browser for Online Banking.

  • Go to the Options menu (the three-line button located at the top right of your screen under the red X) Select Options
  • Click Privacy
  • Under the History panel, change the Firefox will drop down menu to Use custom setting for history
  • Select Exceptions
  • Type in the Online Banking login page address (http://www.laketrustonline.org) and click Allow. Then close the window.
  • You should be back at the Privacy menu. Toward the bottom of the menu, change the setting under
  • Accept third-party cookies to Never. Under that, change the Keep until option to I close Firefox.
  • Click Settings
  • Uncheck the box next to Cookies and click OK
  • Log in to Online Banking, verify your identity and then close Firefox
  • Open Firefox and again log in to Online Banking.

E-Statements

How do I access my E-Statement?  

You have automatic access to E-Statements when you sign up for Online Banking. Log in to your account and select the “E-Statements” link at the top of the Account Summary page.

How do I cancel my E-Statement?  

You can cancel E-Statements at any time. Just notify us through your Online Banking Mail Box.

How do I sign up to get E-Statement email notifications?  

If you didn't provide your email address when you accessed your E-Statement for the first time, then select the "Update Email Notification Address" link in the Online Banking menu.

How do I change my email address for E-Statement notifications?  
  • Log into your Online Banking account
  • Click Options in the menu
  • Enter your Online Banking Password
  • Enter new email address
  • Click Continue
  • Click the E-Statement button on the Accounts Summary screen to enter the E-Statement area of Online Banking. This is the new email address used for E-Statement notifications.
How do I stop receiving paper statements in the mail?  

Complete the Stop Paper Statements form to stop receiving paper statements.

How do I print my E-Statement?  

Click on the "Printable Version" link near the top of your E-Statement. A new window will open with a printable version.

Credit Score and Credit Report

What’s on my credit report?  

A credit report is the collection of account, public record, inquiry and identification information. It also includes your history of taking out and paying loans. Under federal law, you’re allowed to receive one free copy of your credit report from each credit-reporting agency every 12 months.

How do I get a copy of my credit report?  

You can request your free credit report in two ways:

How do I correct an error on my credit report?  

Contact the credit reporting agency and the company that’s reporting the incorrect information to fix an error. Learn more about how to clean up your credit report.

What’s a credit score?  

A credit score is like a quick snapshot of your credit report. Through a mathematical formula, a score is created to predict how likely you are to default on a loan payment. Check out the factors that affect your credit score.

Will shopping for different rates hurt my credit score?  

When there are multiple inquiries for your credit score in a short time frame, it’s assumed that you’re shopping around for a good rate. With the VantageScore model, there is a 14-day rolling window for credit inquiries. This means that you could have multiple inquiries for your credit score, but if they are all made within the 14-day time frame then it’ll only count as one inquiry.

IRA

Are there any tax advantages to having an IRA?  

There is a unique saver's tax credit available for qualifying taxpayers who contribute to an IRA. The credit is in addition to any applicable deduction or exclusion. To claim the credit, you must be at least age 18, not a full-time student, and not claimed as a dependent on another person's tax return. See your tax professional for more information.

Can I have both a Traditional and a Roth IRA?  

Yes, you can. But remember that you have one contribution limit per year which includes both types of IRAs. You cannot contribute the limit to each.

Do I have to make my entire IRA contribution at one time?  

It's up to you. You can make one contribution or you can spread it out over the year.

The above information is not intended as tax advice. Please consult a tax professional regarding your specific circumstances.

Consumer Loans

What can I use as collateral for a secured loan?  

You can use the funds in your Savings or Certificates of Deposit, an automobile, RV, boat, and other items of value for collateral.

If I don’t have anything to use for collateral, can I borrow money?  

You may qualify to borrow money without collateral. This could be a fixed term loan or an open-end loan such as a credit card or Line of Credit.

Direct Deposit

How do I set up Direct Deposit?  

Contact your human resource department to initiate Direct Deposit. Be prepared to provide them with:

  • Our routing number: 272078268
  • Your account number as it appears on your statement or as it appears on documentation that you received when you opened your account.
How do I set up Direct Deposit for government benefit checks?  

You can set up Direct Deposit of a government benefit check (i.e. Social Security or Supplemental Security Income) online1. You can also call the US Treasury Electronic Payment Solution Center at 800.333.1795. If you’re in a branch, we can help you out by sending an electronic enrollment request.

Direct Payment

How do I cancel Direct Payment?  

Notify your billers to cancel your Direct Payment.

How do I have my Direct Payment withdrawn from a new or different account?  
  • Contact the biller directly
  • Complete and submit a new enrollment form to authorize withdrawal of funds from the new account. Approval may take 30-60 days, just as it did when you first signed up.
  • Keep the old account open or cancel the Direct Payment option until all companies have processed the new information
What do I do if I didn't authorize ABC Company to deduct from my account for a Direct Payment?  
  • Contact us at 888.267.7200 or stop into a branch.
  • Sign a Written Statement Under Penalty of Perjury
  • Provide your name, account number, the date of the transaction, and amount of the unauthorized transaction

We’ll re-credit your account for the amount of the unauthorized transaction and charge it back to the originator.

Home Loans

How much does it cost to apply for a home loan?  

You can get pre-approved before find a home. For a pre-approval, Mortgage Center collects $17.50 for a credit report. When you find a home and an offer has been agreed upon, Mortgage Center collects $400 for an appraisal.

Debit Cards

What if my ATM or debit card is lost or stolen?  

Report a lost or stolen card to us immediately by calling 888.267.7200.

Are there any fees when I use my debit card for cash transactions?  

There are no fees when you use your card at ATMs owned and operated by Lake Trust Credit Union or inside the CO-OP Network. Most retailers do not charge a fee. However, when you use your cards at ATMs from other financial institutions, there may be a small fee. See our fee schedule.

How much cash can I withdraw at an ATM?  

You can withdraw up to $500 per day, if there are enough funds in your account. For more detail, please refer to the Terms & Conditions of Your Account.

Does my debit card have a spending limit?  

Your Lake Trust Debit Card has a spending limit of $3,000 per day.

What does it mean when I use my debit card and the clerk asks "debit or credit"?  

When you use "debit", you must enter your PIN after the card has been swiped through a point of sale terminal. With PIN transactions, funds are withdrawn from your checking account when the transaction occurs.

When you use “credit”, it is a non-PIN transaction. Instead of providing your PIN, you’ll sign to verify the transaction. With a signature transaction, funds are held in your checking account at the time of purchase until the transaction posts to your account in one to three days excluding weekends and Federal holidays.

What if a purchase posts to my checking account that I didn't authorize?  

You won't be responsible for unauthorized purchases. If your Lake Trust Debit Card has been lost or stolen, or you suspect unauthorized use, report it to us immediately by calling 888.267.7200.

What do I do if I suspect fraud on my Debit/Credit Card?  

Report any suspicious activity to us immediately at 888.267.7200.

Can I personalize my Debit Card?  

Now you can have your favorite photo printed on your debit card! Visit laketrust.org/designcard1, upload your photo, and pick up your personalized card at any branch. 

I’m traveling abroad and need help with my debit card. Who can I call for help?  

If you’re already in a foreign country and need help with your card, call us at 973.682.2652. If you haven’t left for your trip yet, call us at 855.671.0078 to place a travel notification on your card. A travel notification lets us know that you’ll be using your card in a different location that normal.

Digital Wallet

Is digital wallet safe to use?  

Yes. Your device does not store your physical debit or credit card numbers. Instead, a unique transaction code is generated each time you make a purchase using your digital wallet. A PIN, fingerprint scan, or face scan is required to verify your identity before a purchase is made. Learn more about the specific privacy features of your wallet by checking out the security pages for Apple Pay1, Google Pay1, and Samsung Pay1.

How do I add my cards to my digital wallet?  

Go to the Wallet app on your smartphone or tablet, or download your preferred digital wallet app. Choose the option to add a new card and follow the on-screen instructions. After a few minutes, you should be ready to use your digital wallet. For help, check out how to add your debit or credit card to Apple Pay1, Google Pay1, or Samsung Pay1.

What do I do with my cards after I add them to digital wallet?  

Your physical debit and cards are still active after you add them to digital wallet. That means you can still use your debit and credit cards at any store. If you don’t plan on carrying your physical cards with you, however, make sure you secure them in a safe location (like a home safe).

What if I lose my Lake Trust Debit Card or my Lake Trust Credit Card?  

If you lose your physical debit or credit card, give us a call at 888.267.7200 and we’ll deactivate your card. You can also shut off your card in the CardValet app. It’s a good idea to shut off your card as soon as you notice that it’s missing to prevent the potential of any unauthorized transactions.

What if I lose my device with my digital wallet on it?  

You have to use your Touch ID or enter a passcode before you make a purchase using your digital wallet. However, it’s still a good idea to turn off your card until you find your device. Give us a call at 888.267.7200 to let us know what happened. We can turn off your card to prevent potentially unauthorized transactions. You can also use the CardValet app to shut off your card if you have it installed on another device.

Where can I use my digital wallet?  

Digital wallet payments are accepted at thousands of stores worldwide, online, and within many apps. Look for the Apple Pay, Google Pay, or Samsung Pay symbol at the checkout terminal at your favorite store to see if they accept digital wallet payments. Open your digital wallet on your device and follow the instructions on the screen to make a payment. Learn more about where you can use Apple Pay1, Google Pay1, and Samsung Pay1.

If I had my credit card added on my mobile wallet do I have to enroll again after I get my new card?  

Yes, you'll need to set up your credit card in your digital wallet again because you'll have a new card number.

Visa® Reloadable Cards

As of October 1, 2018, this product is no longer available for purchase and funds can no longer be added to existing cards.

Reloadable Cards Terms & Conditions

How do I know the balance on my Visa® Reloadable Card?  

You can check your balance online at the PSCU website1. You may also call 866.760.3156 - please refer to Reloadable Cards Terms & Conditions for applicable fees.

Are there any transaction limits? 

Purchase transactions are unlimited, up to the balance remaining on your card. However, for the protection of our cardholders, there are limits to the number and dollar amount of ATM withdrawals, and cash advances performed within a certain time period. To learn more about the current limits, refer to your Terms and Conditions. While Visa Reloadable Cards are no longer available for purchase and can no longer be reloaded they can continue to be used until funds on the card are depleted.

Why was my Visa® Reloadable Card declined? 

Any authorization request that is greater than the card's available balance will be declined. However, there can be times when a Visa® merchant puts an item through without prior authorization. If an overdraft occurs, the cardholder will be required to make a payment to Cardholder Services to cover the negative amount.

How do I find an ATM when I travel with my Visa® Reloadable Card? 

Check out our ATM locator or use the ATM locator found at VISA.com1 for participating Visa® ATMs, both domestic and abroad.

What is the exchange rate when I get to another country? 

The exchange rate is determined by the rate of exchange on the date of purchase. Using your Visa® Reloadable Card at an ATM can be less expensive than using a currency exchange to get foreign currency.

Visa® Gift Card

As of October 1, 2018, this product is no longer available for purchase and funds can no longer be added to existing cards.

Visa® Gift Card Terms & Conditions

How does a Visa® Gift Card work? 

It can be used at most places Visa® debit cards are accepted. Because it’s a prepaid card, spending is limited to the amount of money on the card. When the recipient makes a purchase with the Gift Card, the purchase amount is deducted from the card balance.

Can I check the balance on my Visa® Gift Card? 

You can check your balance and transaction history 24/7 by visiting the PSCU website1 or by calling 866.902.6082 and using the automated phone system. You’ll need the account number found on the front of your card. A merchant can't tell you how much money remains on the card. Knowing your balance before use will help ensure your card is accepted. 

What should I do if my Visa® Gift Card is lost or stolen? 

If your Card is lost or stolen, call 888.267.7200 or stop in to any of our branches. You’ll need to provide the account number to cancel the Gift Card.

What should I do if there has been a transaction error on my Visa® Gift Card? 

If you think there’s an error, such as a purchase that you don’t recognize, just call 866.902.6082.

Save to Win CD

What kinds of prizes can I win with a Save to Win CD? 

Monthly prizes will be awarded among all participating credit unions. Monthly prizes include the following:

Partnership Monthly Prizes: Winners will be randomly selected between all eligible account holders at all credit unions participating in the Save to Win program. A complete list of prizes and other information can be found on the www.savetowin.org1 website.

Lake Trust Credit Union Monthly Prizes: Winners will be randomly selected between all eligible account holders at Lake Trust.

  • Two (2) $100 Cash Prizes
  • Two (2) $50 Cash Prizes
  • One (1) $25 Cash Prize
Can my deposits to a Save to Win be for any amount? 

Yes. The number of prize entries is based on the increase in your monthly balance. You'll receive ONE entry in the monthly prize drawing for every $25 increase in monthly balance in the account. The maximum number of entries per member per month is 10.

If I deposit $100, then withdraw the money within a short time, do I still get four chances to win prizes? 

If you deposit $100 within the month and then withdraw it after the drawing, then you will not receive any entries for the following month. Any withdrawal (including the penalty) that exceeds the deposit for the month will disqualify you from the drawing. Your balance must go up by at least $25 in order to qualify for the drawing. For example, to receive an entry for the following month you will need to re-deposit the $100 plus an additional $25 to receive one entry in the drawing. There is only ONE withdrawal allowed during the term of the certificate (12 months) with a $25 penalty fee.

What day will the drawings for the monthly prizes be held? 

Drawings for monthly prizes will be conducted within fourteen days of the end of the month. For example, the drawing for July's entries will be held in August.

When and how will I receive my monthly prize? 

Winners will be notified by phone during the following month. For example, if you win July's monthly drawing, you'll be notified in August. The monthly cash prizes will be deposited to your savings account as interest and be listed as an Interest Adjustment.

Can I win multiple prizes? 

You cannot win more than one prize in a month, but you can win multiple months and even consecutive months. All monthly prize winners are eligible for the grand prize drawing.

Certificate of Deposit (CD)

What if I put all my funds into a CD and there’s an emergency and I need some money? 

If you need extra cash from your traditional CD, you can withdraw the amount you need, starting at a minimum of $1,000, but there is a penalty on the amount you withdraw early:

  • 3 to 23-month CD: 90-day interest penalty
  • 24 to 72-month CD: 180-day interest penalty
What happens when my CD matures? 

You'll receive a notice 30 days before your CD matures that explains your options. Unless you choose not to renew, we'll automatically reinvest your funds for the same term at the current interest rate. In either case, you have a 10 business day grace period after the maturity date to withdraw all or a portion of your money without penalty.

1Third party website. Lake Trust Credit Union is not responsible for the content, availability, security or compliance of any linked third party websites. In addition, the site's privacy policies may differ from those of Lake Trust.

Credit Card Upgrade

When will I receive my new credit card?  

You should receive your new credit card in the mail between May 6 and May 20. If you haven’t received a new credit card by May 20, give us a call at 888.267.7200.

Will I have a new credit card number on my new card?  

Yes, your new card will have a new card number, 3-digit security code (CVV), and expiration date. After you’ve activated your card on May 20, make sure you update this information on any subscriptions or automatic payments that you have set up on your card to avoid rejected payments. If someone else is on your credit card account, their card number will now be different than your number.

My credit card hasn’t expired yet, why am I getting a new one?  

We’re upgrading our credit card system to bring you a better experience, including shorter fraud resolution times and additional security features on your card. We want to bring this experience to you as soon as possible instead of waiting until your card expires. The card in your wallet will work until the early morning of May 20.

When can I activate and use my new card?  

You can start using your card in the early morning on May 20. On May 20, call 1.855.671.0078 to activate your card. For security verification purposes, make sure you call from the phone number we have on file for you.

When is my credit card payment due?  

All credit card payment due dates are being converted to the 4th of the month. If your credit card payment is currently due later in the month, your due date will move up a few days at a time over the next few payment cycles until it reaches the 4th of the month. Please keep an eye on your next few statements to review your payment due date.

April
Due Date
May
Due Date
June
Due Date
July
Due Date
August
Due Date
September
Due Date
28 28 X 4 4 4
4 4 4 4 4 4
7 7 7 22 X 4
12 12 23 25 X 4
13 13 23 25 X 4
18 18 23 25 X 4
20 20 23 25 X 4
23 23 23 25 X 4
How do I make a credit card payment after May 20?  

If you mail in a credit card payment or set up a Bill Pay after May 20, please send your payment to our new payment address at: Lake Trust Credit Union PO Box 2711 Omaha, NE 68103-2711. Use your new credit card number as the account number when making payments. You can also mail in your payment coupon and a check to this address.

Do I need to set up my automatic payment again?  

If you filled out an automatic payment form to set up autopay with us, then you don’t need to do anything. Your payment will still come out as planned. If you set up an automatic payment yourself within Online Banking, you’ll have to cancel that payment and set up a new one. Log into the credit card site within Online Banking to see if you have an automatic payment set up.

I’m enrolled in credit card E-Statements. What will happen with my statements on the new system?  

Your next statement will be sent to you in the mail because we’re moving to a new online credit card system. Going forward, you’ll continue to receive E-Statements within the credit card site in Online Banking.

How long will new E-Statements be available on the new system?  

Your E-Statements will be available for 12 months on our new credit card site (you’ll still need to log in to see your statements). You won’t see any statements prior to May 20, 2019. If you need an older statement, give us a call at 888.267.7200 or stop by any branch and we can help you out.

I have a Rewards credit card. What’s going to happen to my points?  

All of your points will roll over to our new program. It may take a few weeks for your points to completely convert to our new system, so don’t worry if you don’t see them all right away.

Make sure you redeem your points by Thursday, May 16 if you’ve had your eye on something because this item may not be available in our new program. You can redeem your points at CURewards.com1.

If I have a Rewards credit card, how will I redeem credit card rewards points going forward?  

After May 20, you’ll log in to your Online Banking account to view the credit card redemption options. We’re excited to bring you several new and exciting options when you cash in your points, including cash back, gift cards, discounts on gas, or to book travel and experiences with a live travel agent service. Check out a sneak peek of our new rewards redemption options1 and business rewards redemption options1!

I had a Cash Back credit card, what’s new for me?  

Your Lake Trust Platinum Elite Cash Back Visa is being upgraded to a Lake Trust Platinum Elite Rewards Visa. Your credit card rate will remain the same. The cash back rebates that you’ve accrued will convert to Rewards points. And now you’ll earn 1 point for every dollar you spend. Check out a sneak peek of our new rewards redemption options1 and business rewards redemption options1!

Are the fees changing on my credit card account?  

Some of our credit card fees are changing. Please refer to the Disclosures that were sent with your new card or check out our fee schedule.

Will the credit card program changes impact my credit score or report?  

Your credit report will not be negatively affected by the conversion or the account number changes. Your credit report may take a couple of months to be updated with the proper information, as we’re moving to a new credit card provider.

How do I dispute a credit card transaction that I didn’t do?  

You can call us anytime at 888.267.7200 to dispute a transaction. Follow the prompts on the phone for credit and then choose the option to dispute a transaction.

I’m traveling abroad and need help with my credit card. Who can I call for help?  

If you’re already in a foreign country and need help with your card, call us at 301.837.8433. If you haven’t left for your trip yet, call us at 855.671.0078 to place a travel notification on your card. A travel notification lets us know that you’ll be using your card in a different location that normal.

What number do I call for questions about my credit card?  

Call 855.671.0078 if you have questions about your credit card, need to activate your credit card, or need to set a PIN on a new card.

1Third party website. Lake Trust Credit Union is not responsible for the content, availability, security or compliance of any linked third party websites. In addition, the site's privacy policies may differ from those of Lake Trust.

Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries.

Google Pay is a trademark of Google LLC.

Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd.

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