Banking gives you 24 hour, 7 days a week access to your
checking, savings, money market, certificate, and
consumer loan accounts from your home or office
computer. Luso American Credit Union’s Online Banking
combines convenience and flexibility while you easily
conduct a wide range of personal banking transactions.
With Luso American Credit Union’s Online Banking, you
● Review your share account information.
● Review your loan account information.
● Make transfers between accounts.
● Make payments on your Luso American Credit Union loans.
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FREQUENTLY ASKED QUESTIONS
Q. Is Online Banking secure?
A. Yes. Besides using 128-bit encryption, Luso
American Credit Union’s Online Banking is built with
several additional safeguards to ensure your account
information remains secure. Should someone attempt to
access your account portfolio using an incorrect
password more than three times, Luso American Credit
Union will lock the entire session. For your protection,
in order to “unlock” the session, you will need to
contact a credit union employee. Should you forget to
logout of Online Banking, your session will
automatically be terminated after 20 minutes of no
Q. What if my ACCESS ID and/or PASSWORD don’t seem
There are a couple solutions to this problem. The most
common issue is the placement of your CAPS LOCK key.
Your ACCESS ID and PASSWORD are case sensitive. The
second most common issue is a complete lockout of your
account. If you weren’t sure of your PASSWORD, and began
guessing or didn’t realize that you were entering your
PASSWORD in the wrong case, you had only three chances
to get it right. As a security feature, we lockout all
accounts if an incorrect PASSWORD in entered on the
third try. Then the only way to reset a lockout is to
contact a credit union employee at 978-531-5767.
Discover just how easy it is to pay your monthly bills
with Luso American Credit Union’s Bill Pay! With the
simple click of a mouse, your monthly bills can be paid
in a matter of minutes. Pay anyone, anytime from
anywhere in America. No more writing checks, no more
postage, no more hunting around the house for envelopes,
no more tearing, ripping, and filing of your bills. Just
point and click. Just some the features and benefits
● Unlimited transactions
● View payment history
● Auto-payment for recurring bills
● Schedule, change, or stop single and recurring transactions
FREQUENTLY ASKED QUESTIONS
Q. How do I get started using Bill Pay?
A. When you go to Luso American Credit Union’s
website, you will see a button titled “Bill Pay”. Click
the button, and you will be given step-by-step
instructions for enrolling in Bill Pay.
Q. How soon can I start making payments using Bill
Once you submit the separate online enrollment for Bill
Pay, you can begin scheduling payments as soon as your
enrollment is processed. Once processed, you will
receive an e-mail.
Q. How are payments delivered and how can I ensure
that my payee receives my payment by the due date?
After funds are withdrawn from your designated account,
we may remit your payments by electronic funds transfer,
or if the payee does not accept electronic payments, by
mailing a check drawn on an account we maintain for this
purpose, or by some other appropriate means. Because of
the time it takes to remit your payment to the payee,
they will not receive the payment on the processing date
(the date you instruct us to deduct the funds from the
account). Therefore, in order to provide sufficient time
for payments to be received by your payee, the
processing date should be a minimum of five (5) business
days before the bill’s actual due date.
Q. Why does it take five business days and
sometimes more for payments?
Although a number of your payees accept payments
electronically, many do not. For those that do not
accept electronic payments, we must send a check to that
payee via US Mail. Once the payee receives the check, it
may take a day or so for the payee to process and post
the check to your account. Even for electronic payments,
it may take two or three days for your account to be
posted. Holidays must also be taken into consideration.
Q. What should I do if a payee has not posted my
A. First, be sure to allow a minimum of five (5)
business days for a payee to receive your payment.
Contact your payee and verify whether your payment was
received. If it was not received, go to into Bill Pay,
and do a Bill Inquiry. Bill Pay will trace your payment
and get back to you. As always, if you need help, please
contact the credit union at 978-531-5767
eStatements are the quickest and safest way to view your
monthly account statement(s).
● No more waiting for mailed paper statements.
● Statements are online usually the first day of the
month - at least one week before mailed statements
● Save a tree – reduce paper waste!
● View your account and credit card statements online in
a secure environment, 24/7.
● An e-mail will let you know when your statement is
● You can access at least 24 months history online -
save statements to a folder on your computer for
your record-keeping purposes.
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