Courtesy Pay

As a non-contractual courtesy, we may pay an occasional overdraft of a qualified member. Check, ATM & check card, online and phone banking, ACH, and in-person transactions are eligible. A $30 Courtesy Pay fee is charged for each item paid. Max negative account balance of $500. Up to 30 days to repay the balance.

Overdraft Protection

Protect yourself from overdrawing your checking account. If funds are available in a designated share account and you have signed an overdraft protection agreement, available funds will be automatically transferred in increments of $50 to pay check(s) and electronic payments against your checking account. An overdraft protection fee may be charged.

Visa Debit Card

Free and available for all checking accounts! Your card is accepted worldwide. Contact us before using overseas since usage may be restricted in some countries. Your card also doubles as your ATM card, so with your PIN, you have access to your accounts no matter where you are.

Direct Deposit

Make deposits through payroll deduction or direct deposit to your accounts and never worry about making it to the credit union on time again! Have your whole paycheck deposited or a portion distributed into the accounts you designate through payroll deduction...all at no charge to you.

Electronic Transfers

Wire money into your account or make an electronic (ACH) deposit to or withdrawal from your account. See the Contact Us page for wiring instructions.


Your 24-hour, no cost phone connection to your accounts and loans. Use a touch-tone phone to make unlimited balance and history inquiries, make transfers between accounts and to make loan payments. Can also be used to make share withdrawals by check. To access PowerLine, dial (800) 285-2894 and enter your member number and PIN.


Access your account online for free. You can transfer money between savings and checking accounts, view account transaction history and get copies of checks that have cleared your account. PowerOnline is available 24/7, 365 days a year.


LCRA has partnered with truSTAGE to offer a variety of insurance products for our members. AD&D, Home, Life, Auto, and more. Click here for more information!


If you have a Mastercard or Mastercard Gold credit card with the LCRA Credit Union, you can view your account balance, available credit, recent transactions, and statement copies online 24/7 at no charge. Also, make payments online! Click here to GoToMyCard.

Auto Buying Service

Car shopping made simple! Click here to start shopping.