Your checking account has two kinds of balances: the "current" balance (also called the "actual" balance) and the "available" balance. Your current balance is the full amount of all deposits to your account, even though some portion of a deposit may not be available to you or may be pending receipt of funds from a third party, less payment transactions that have "posted" to your account. It does not, however, include preauthorized commitments to pay merchants that are pending settlement (i.e., have not yet been paid or posted to your account), nor all or portions of checks or other deposits that have not yet posted. Thus, while the term "current" may sound as though the amount you see is an up-to-date display of what is in your account that you can spend, that is not always the case. For example, if you have a $50 current balance, but you just wrote a check for $40, then your current balance is $50 but it does not reflect the pending $40 check transaction. At that point, you actually have $50 in your current balance, but you have already spent $40. Your available balance is the amount of money in your account that is immediately available for use. It is the current balance less holds placed on deposits and less debit card payment commitments that the Credit Union has authorized but that have not yet posted to your account. For example, assume you have a current balance of $50 and an available balance of $50. If you were to swipe your debit card at a merchant to buy groceries for $20, then that merchant could ask us to authorize the payment. In that case, we are obligated to pay the merchant, even if your balances are negative at the time the debit card payment is presented to us by the merchant, so we will reduce your available balance by the amount of the "pre-authorization commitment," which is $20. Your current balance would still be $50 because this transaction has not yet posted, but your available balance would be $30 because you have a commitment to pay the merchant $20. When the merchant submits its bill for payment (which could be several days later), your current balance will be reduced by the amount of the posted transaction (in this example, $20) and both your current and available balance will be $30. For specific information regarding your account, please contact us.

There are several ways you can set up automatic payments:

• Use your Digital Banking account to set up transfers to and from your Landmark accounts/loans or sign up for Bill Pay to pay your creditors from your Landmark Checking Account.
• Print and complete the ACH Authorization form.
• Visit any one of our branches to complete forms
• Contact Us and we mail the forms to you.

You can begin having your check deposited directly to your account by calling Social Security at 1-800-772-1213. You can also visit their website. You will need to provide your full account number.

Landmark's routing number: 275079714

If you need assistance determining your account number format, please contact us.

You can access Digital Banking by downloading the Landmark Credit Union mobile app through the App Store (if you're an Apple user) or the Google Play Store (if you're an Android user).

Yes, you can open a new account online. You will be asked to verify your membership eligibility, enter your personal information and select all the type(s) of account(s) you would like to open. If you have questions about the process or need additional assistance, please contact us.