Resources

What's my balance? 

Here are a few ways to check your balance at Ladysmith Federal: 

• Enroll in Online Banking - This method allows you to log into your account through a web browser. You can review transactions, transfer money, enroll in Bill Pay, and even see scanned images of checks written out of your account. 
• Enroll in Mobile Banking - This method allows you to log into your account through our secured mobile app. You can set real time notifications, set withdrawal limits, deposit checks, and even lock/unlock your debit card access. The mobile app can be found by searching "Ladysmith Federal" in your device's app store. 
• 24/7 Telephone Banking - Call 1-855-367-5375, to receive your account information via an automated system.

What are Ladysmith Federal's hours?

Lobby Hours

• Monday – Thursday: 9:00 a.m. to 4:30 p.m.
• Friday: 9:00 a.m. to 5:00 p.m.

Drive-up Hours

• Monday – Thursday: 8:30 a.m. to 4:30 p.m.
• Friday: 8:30 a.m. to 5:00 p.m.
• Saturday: 8:30 a.m. to noon

How do I contact Ladysmith Federal?

Call Us

• Toll Free: 1-888-532-LFSL⁵³⁷⁵
• Phone: 715-532-3389                                                                                                               
• 24/7 Telephone Banking: 1-855-367-LFSL⁵³⁷⁵

Email us

• Contact@ladysmithfederal.com

Send us a fax

• Fax: 715-532-7680 

How do I enroll in Online Banking?

To enroll in Online Banking:

1. Visit LadysmithFederal.com
2. Click ‘Enroll Now’ in upper right-hand corner.

Information you will need:

• Account number
• Social security number
• Create security question and answer
• Email address 
• Create a username and password
• Create 3 security questions and answers

How do I sign up for Mobile Banking?

Using Ladysmith Federal’s mobile banking app is easy.

Download the app by searching "Ladysmith Federal" in your device's app store and log into your account by using your online banking username and password.

What if I forgot my password?

The Ladysmith Federal online banking and mobile app will allow you to guess your password a maximum of 3 times before locking out your account.

If you are not locked out of your account, but do not remember your password, use the "Forgot my Passoword" form by clicking here.

A temporary password will be sent to the email address we have on file.

This password is only valid for 30 minutes. 

What if I am locked out of my online or mobile banking account?

If you are locked out of online banking or the mobile app you will need to contact us at 1-715-532-3389 to have a banker manually unlock your account.

If you can't remember your previous password and a banker was able to unlock your account, you will then be able to change your password using the "Forgot my Passowrd" form by clicking here or clicking the "Forgot Password" option on the online banking or mobile app login screen. 

Can Ladysmith Federal look up my password?

No.

Due to security, your online and mobile banking passwords are encrypted on our system. This means we cannot retrieve your password for you but we can unlock your account or assign you a temporary password that you will be prompted to change upon logging in.  

Is there a fee to receive paper statements in the mail?

It depends:

If you have a savings or loan account with us, there is no charge to received mailed paper statements.

However, if you have a checking account with us, it is likely you will be charged $3.00 per month per each statement. 

You can avoid the monthly paper statement fee by enrolling in eStatements through the online banking portal. 

How do I sign up for eStatements? 

In order to sign up for eStatements you must first enroll in Online Banking.

To sign up for eStatements: 

1. Click on ‘Profile’ in the upper right-hand corner of your online banking profile.

• Across from Electronic Statements click on the purple ‘Manage Statements’ button
• Click on ‘PDF Document’ 
• Open PDF document file and copy or write down the code
• Paste or enter the code onto the previous page

2. Click ‘Submit’

• Select the accounts you would like to start receiving eStatements for
• Click ‘Next’

3. Click ‘Enroll’ to complete.

What is Online Bill Pay?

Online bill pay is a service through our online banking platform that allows you to pay your bills electronically from your bank account. Bill pay deducts the payment from your account balance and then transfers it to the service provider.

This service can help you stay organized and pay your bills on time. It can also be more secure than mailing paper checks!

Online bill pay services can offer a variety of features, including:

• One-time payments 
• Recurring payments 
• Scheduled future payments 
• The ability to choose the payment date and amount 

How do I enroll in Online Bill Pay?

Payments are automatically deducted from your Ladysmith Federal account and sent to the people you want to pay.

Enrolling is easy in our Online Banking platform:

1. Log into your online banking account through a web browser. 
2. On the login homescreen, click on the "Bill Payment" tab under the Ladysmith Federal logo.
3. Click on "Enroll" to review and agree to the Terms of Service.
4. Click on the "Next Step" button to review and agree to the Privacy Policy.
5. Review and update your personal & account information on the next screen.
6. Click on the "Next Step" button at the bottom of the form to finish enrollment.

How do I use Online Bill Pay?

After you've enrolled in online Bill Pay, you are ready to use the service. Bill Pay will help you navigate how to set up a bill payment in 3 easy steps. 

1. Pick a bill you want to pay.

2. Enter the info from your bill's invoice. 

3. Choose how much you want to pay & when. 

How do I use Zelle^®? 

To be able to send money with Zelle^®  using online banking or the mobile banking app, you must first enroll in online Bill Pay.  Once enrolled in online Bill Pay, you must also verify the account that you will be using to send or receive Zelle^® transactions.

How do I enroll in Zelle^®? 

To enroll in Zelle^®:

1. Log into online banking using your device's web browser.

2. On the main login page, click on the "Bill Payment" tab under the Ladysmith Federal logo.

3. Inside the Bill Payment screen there will be tab options listed, click on the "Send Money with Zelle^®" option.

4. Choose how you wish to enroll in Zelle^® from the options displayed & then click on "Continue"

5. Enter the code received from Zelle^® to complete enrollment. 

How do I send money with Zelle^®?

To send money using Zelle^® set up the payment through online bill pay in the online banking portal or click on the "Send Money with Zelle^®" option under the Quick Links menu in the mobile app, then simply add a trusted recipient's email address or U.S. mobile phone number, enter the amount you'd like to send and an optional note, review, then hit "Send."

Please note, Zelle^® will require you to verify microtransactions conducted on your Ladysmith Federal account before your first transaction can be completed.

Are there limits to sending money with Zelle^®?

Yes.

Transactions are limited to $1,000.00 per transaction with an aggregated limit of $3,000.00 per day. 

For more information about Zelle^® and additonal FAQs, visit Zelle - Ladysmith Federal or give us a call 1-715-532-3389.

How do I deposit a check remotely using mobile banking? 

To start depositing checks using the mobile banking app:

1. First login & click on the "Deposit" tab at the bottom of the mobile app screen.
2. Next, click on "Deposit a Check".
3. Select the account you'd like to depsosit the funds to and then enter the check amount.
4. Before taking and submitting photos: On the back of your check be sure to write "For Mobile Deposit" on the signature line or check the box on the back of the check that indicates it is being deposited electronically.

If the restrictive endorsement is missing, it may result in the rejection of your mobile deposit. If your mobile deposit is rejected a banker will contact you directly. 

How long does it take to receive my mobile check deposit?

It can take up to 24-48 hours to receive the funds from your mobile check deposit. 

Can I remotely deposit a check made out to "Cash"? 

No.

The payee's name on checks submitted for remote deposit must match the name of the account holder. Checks made out to cash, will need to be handled in person. 

Are there limits to mobile check deposits?

Yes. Currently, the daily aggregated limit for mobile deposits is $3,000.00 per day.

Daily limit exceptions can be made on a case-by-case basis, please contact us 1-715-532-3389 to request a daily limit exception increase. 

Can I get a new debit card in person at Ladysmith Federal?

Yes, Ladysmith Federal has instant issue debit card services. 

Are there limits to debit card transactions?

Yes. Currently, debit cards are limited to $505.00 per day at the ATM & $1,000.00 per day Point of Sale (POS). 

Daily limit exceptions can be made on a case-by-case basis, please contact us 1-715-532-3389 to request a daily limit exception increase. 

Does Ladysmith Federal have a coin counter?

Yes, the coin counter machine is located inside the lobby entrance. 

Do I have to have an account to use the coin counter?

No, you do not have to have an account with us to use the coin counter, however expect a 10% fee for non-customers. 

Does Ladysmith Federal have an ATM?

No, we do not have an ATM at our location. 

Does Ladysmith Federal charge a fee to use the ATM?

No, we do not charge an ATM fee.

However, be aware that the ATM service provider or store location may charge a fee for ATM services. 

What is uChoose rewards?

uChoose Rewards is our debit card rewards program that allows cardholders to earn points for purchases and redeem them for a variety of items including: 

• Merchandise
• Gift cards
• Travel
• Cash back
• Event Tickets
• and more! 

Visit uChoose Rewards website by clicking here to get started! 

How do I earn points through uChoose rewards?

Your debit card is already earning points right now just by you using it! When you swipe your card at any retailer, you're earning points.

When you register with uChoose rewards, you can review your points balance, see how many points each swipe earns you, and redeem your points by shopping for rewards. 

Does Ladysmith Federal exchange currency?

No, we do not exchange nor accept international foreign currency. 

What if I need to make a deposit but the bank is closed?

You can utilize either deposit drop box located next to the main entrance or next to drive-thru first window. Items deposited in drop boxes will be applied to the account the following business day. 

Does Ladysmith Federal perform Notary services?

Yes, several bankers at Ladysmith Federal are registered Public Notaries. There is no charge for notary services. Please be sure to bring a valid form of ID when requesting notary services. 

How do I request a stop payment?

You can request a stop payment on a check or ACH (Automated Clearing House, an electronic transfer of money) transfer by notifying Ladysmith Federal either orally or in writing, at least three business days before the scheduled date of the withdrawal. 

An oral stop payment will last for 14 days unless you provide a completed & signed Stop Pay request form. Stop Pay request forms can be picked up and/or completed in person or a blank form may be mailed or emailed to you for you to complete and send back to us. 

Special notice for Business Accounts - A non-consumer/business account stop payment order will remain in effect for six months unless it is renewed in writing.

What if I see an unauthorized ACH transaction on my account?

If you see an unauthorized ACH (Automated Clearing House, an electronic transfer of money) transfer on your account please notify us immediately 1-715-532-3389.

A Written Statement of Unauthorized Debits (WSUD) is required for ACH transactions that you:

1. did not authorize,
2. authorization was given but in substantially different terms than what was agreed upon (the amount or date the transaction was supposed to debit is different than what was agreed upon),
3. authorization was previously revoked but was debited from the account anyways, or
4. other - you, the customer, must specify the reason on the form for the return.

Once a completed and signed WSUD is obtained, a banker will be able to return the ACH funds to you.

What if I see an unauthorized Debit Card transaction on my account?

Please notify us immediately by calling 1-715-532-3389.

A completed Chargeback Request form may be required within 10 days of your oral notification. Forms can be picked up and/or completed in person or a blank form may be mailed or emailed to you for you to complete and send back to us. 

Once a completed Chargeback Request is received by the bank, if applicable, you may receive a provisional credit while the transaction is being investigated. Once investigation has been completed, you will be contacted by a banker with the results of your claim. 

Will Ladysmith Federal send me texts?

Yes, depending on the method of mobile banking alerts chosen, you may receive text message alerts.

Additionally, you may also receive texts when making large purchases that may be flagged by our debit card fraud prevention team. These text messages are usually followed by a phone call from an agent in a call center.

You will be asked to verify the transaction(s) in question, if you do not reply or verify the transaction(s) your debit card will be automatically disabled until contact has been made.

If you have any questions or concerns about a phone call or text message you received from us, give us a call 1-715-532-3389. 

What if I suspect fraud or financial abuse?

If you suspect fraud or financial abuse, please give us a call immediately at 1-715-532-3389. 

Fraud and financial abuse are increasing issues that the banking industry faces today. Ladysmith Federal is here to help if you or a loved one has fallen victim to a financial scam, find yourself in a fianancially abusive situation, or if you are looking for tools and resources to help prevent & protect yourself from fraud in the future.