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LFSL Bill Pay
Pay your bills securely, easily and conveniently with LFSL Bill Pay. It will it save you time and money plus it is FREE. No more making trips to the post office to buy stamps or wasting time writing checks. Payments are automatically deducted from your LFSL account and sent to the people you want to pay.
 
Signing up for LFSL Bill Pay is easy!  Go to our homepage and select 'Sign Up Now' under Online Banking.  Once you are enrolled here you will have access to LFSL Bill Pay. 
 
If you need help getting started with LFSL Bill Pay, please call Sara or Scott today at 532-3389 or 1-888-532-LFSL.

Direct Deposit
We are proud to offer our customers with free direct deposit. The person or company initiating the direct deposit will need your 10-digit account number as well as Ladysmith Federal’s routing number (#291571267). 
With direct deposit, your entire check is deposited automatically into your Ladysmith Federal account. While direct deposit is most often used for payroll deposits, this service can be used for recurring or one-time deposits including:
  • Dividends/Interest
  • Social Security
  • Annuities/Pensions/IRAs
  • Expense Reimbursements

24-Hour ATM
Access your accounts from the comfort of your own vehicle. Our ATM machine is free for our customers. We are a member of the following networks:
  • Pulse
  • MasterCard
  • Cirrus
  • Visa
  • Plus
  • Discover/Novus
  • American Express

Gift Cards
Sometimes the best gifts come in small packages. Great as a gift or to use when traveling, the VISA Gift Card is accepted worldwide at anyplace that accepts VISA. Gift cards can be purchased in amounts between $10 and $2,000. Stop by our office to purchase one today.

Money Orders
Money Orders are similar to a check and usually used to pay bills or make purchases when cash or personal checks aren’t accepted. We offer them for a minimal fee in amounts up to $1,000.

Bank Checks
Use a bank check when the person/business you are paying will not accept a personal check. These are more readily accepted than personal checks. A minimal fee is charged for each check.

Debit/ ATM Cards

The Ladysmith Federal debit card allows you to access your account in several ways. Instead of writing a check or using a credit card, use your debit card. The amount of purchase will automatically be deducted from your checking account. You can also use your debit card 24-hours a day at an ATM machine to access your Savings or Checking Account.

The Debit/ATM card application can be found here. Print this form out on your computer and drop off your application at our office. Within two weeks you’ll receive your free debit or ATM card.  An ATM card is used when you only want access to your accounts at an ATM.  If you want to use your card for purchases and for use at an ATM, you will want our debit card.


Notary Public Service
This is a free service for all of our customers.

Credit Cards
Our Visa Platinum credit card has everything you need, and best of all it’s offered by us - the same people you work with every day. Our Visa Platinum has great rates and all of the following features:
  • Low 14.65% variable APR
  • Low six-month 3.9% APR for balance transfers
  • No annual fee
  • Accepted worldwide at more than 24 million locations
  • Obtain cash at over 700,000 ATMs worldwide
  • Auto rental insurance
  • Customer service available 24 hours a day, seven days a week all year long at 1-800-883-0131
  • Access your account anywhere, anytime at www.MyCardStatement.com
  • Rewards program available
Stop by our office today to pick up your application.

24-Hour Telephone Banking
Wherever you are, access your account information just by calling
715-532-9024. Find out if a check has cleared or if a deposit has been made. This service is a great way to help you balance your checkbook or to transfer funds between your LFSL accounts.

Cash Advances for Credit Cards
All Visa and Discover credit cardholders may do cash advances at Ladysmith Federal.  The minimum cash advance is $25 per cardholder with the maximum advance allowed of $5,000.
 
Sometimes life takes Visa and Ladysmith Federal offers the Visa Credit Card.  Stop by our office for an application today.