FAQs

• You can complete the Membership Application online. Your application will be signed and submitted electronically.
• You will be asked to upload a copy of your valid government issued ID to attach to the application. 
• If the address on your ID is something other than your current mailing address, please also upload a copy of a utility bill showing your name with the address you currently reside at.
• Use this application if you would like an account with a Joint Owner.

• Savings accounts are for people who are trying to save their money. Savings accounts generally earn a higher dividend than a checking account. Your savings account can be linked to an ATM card, allowing you to make purchases at any retailer that allows you to enter a Personal Identification Number (PIN).
• You can own multiple savings accounts for specific saving reasons:
  • Vacation
  • Taxes
  • Anniversary
  • Graduation
  • Christmas Club
• You can allocate a certain dollar amount into each account so that when the time comes for that event, you are financially prepared.
• Checking accounts are generally used for money that you intend to spend, whether you spend it on bills or everyday purchases. Your Visa Debit card allows you to make purchases in stores and online. It is accepted everywhere you see the VISA logo.
• At Lion's Share your checking account will also earn dividends on the average daily balance.

• As a cooperative financial institution, every member/owner must deposit $25 into a Membership Share Savings account. This $25 deposit makes you an Owner of the credit union. It allows you to utilize all the additional products and services Lion's Share offers.
• Should you ever decide to close your accounts (although we hope you will remain a Member/Owner forever), that $25 is your money and would be disbursed to you.

• Lion's Share is a Member of the Co-op Shared Branching Network. Our Members can use these branches for deposits, withdrawals, loan payments, official checks, and money orders. Find the Shared Branch nearest to you.
• Shared Branch locations CANNOT process a loan application, open new accounts or order debit cards for our members. Please contact our office for any of these requests. 704-636-0643, opt. #3
• You can also use our Mobile App to deposit a check into your LSFCU account. If you use Online Banking, you can download the Mobile App and complete the Mobile Deposit Application & Agreement, for access to Remote Deposit Capture.

• The Membership Application has an area for you to choose if you want a debit card.  You will also enter the phone number that you will call from when you call to activate your debit card.
• If you are already a Member and have recently decided that you would like a debit card to access your account, you can complete the online Debit Card application. Once completed, the application will be delivered to us electronically. 
• If you choose a debit card and open a Savings Account only, you will receive an ATM card in the mail. Once activated, you can use this debit card at these locations to withdraw a maximum of $500 per day. You can also use your ATM card to make purchases and get cash back at any retailer that allows you to enter your Personal Identification Number (PIN).
• If you choose a debit card and open both a Savings and a Checking Account, you will receive a VISA debit card that is accepted everywhere you see the VISA logo. All purchases will be deducted from your checking account. You can also use it to withdraw cash at an ATM. At the ATM you will have the choice to withdraw funds from either your Checking or Savings account.

• Surcharge-Free ATM Locations
• Lion's Share FCU Debit Cards can be used at an ATM 4 times each month. Debit cards can also be used at check-out registers to get cash back as needed, provided funds are available.

• To set up Direct Deposit, the ABA/Routing Number is 253184870. 

• Incoming Wire Instructions:
  • Send to: Vizo Financial Corporate Credit Union

ABA number: 231387550

• • Further credit to Lion's Share Federal Credit Union

Account number: 253184870

• Final credit to: Recipient's name and account number

• Incoming and Outgoing Wires have fees associated with the transaction. Please see our fee schedule.

• Your Base Account Number allows Lion's Share, along with Shared Branch locations to pull up all of the accounts you are associated with.
• Your checking account number is a 12-digit number and will direct electronic/ACH funds to be credited to or debited from your checking account. It can also be found on the bottom of your checks and on your Membership Card in your New Member Packet.

• You can get your account balance by calling CARL - our Automated Response Line. You will need your base account number and your Personal Identification Number. Your PIN will be the last 4 digits of your SSN until you call CARL and change it. (we recommend you change this immediately)
• Remember - There is a difference in your Balance and your Available Balance. If you have written outstanding checks or unprocessed debit card transactions, you should deduct those from your available balance until they process through your account.
• You can also get your account balance on Online Banking and by using our Mobile App.
• Learn more about Online Banking and Mobile app.

• You can re-order checks for your Lion's Share checking account online.
• If you have Direct Deposit of your net check to your Lion's Share checking account, and you are signed up for e-Docs, you are eligible for FREE Sterling Gentry Checks. To order your free checks, please contact a Member Service Representative at 704-635-0643, ext. #105.

• Once a Member, Always a Member.
• We encourage you to keep your account with Lion's Share FCU, even if you decide to change jobs. Lion's Share accepts direct deposit from any company that offers it. If you need your account information to set up direct deposit, contact us and we'll get that information to you. Utilizing our Online Banking, Mobile App, Shared Branching and ATM Networks, you'll have convenient & easy access to your account no matter where you live or work.