The minimum payment due will depend on your current card balance and the type of card program. To verify the minimum payment on your specific account:

• Access your account through Digital Banking, and click on the name of your credit card
• Call credit card customer service at 866-952-8199 or the phone number on the back of your card
• Contact our Credit Card Department.

You will receive an online confirmation that the transfer is complete, along with a Reference Number, after you select the "Confirm Transfer" button. We use real-time account access, and therefore as soon as you confirm the transaction, it will process. Internal transfers, excluding credit card and mortgage payments, are immediate. Mortgage and credit card accounts, which will not reflect a transfer until the next business day because payments are only processed overnight for these two types of accounts. External transfers may take up to three days to post. We recommend visiting the Account Summary or History page to verify the transfer has taken place.

Replace Your Card at a Branch

If you need to replace your debit or credit card (Cash Back and Rewards Credit Cards only), you can get a same-day replacement at any Landmark branch.

Replace Your Card by Phone

Debit Card: Contact us to request a replacement debit card. 

Credit Card: Contact our Credit Card Department during our regular business hours (8:30 a.m.-5:30 p.m. Monday through Friday) to request a replacement card. It generally takes 7-10 business days to receive a replacement card in the mail.

Report and Replace a Lost or Stolen Card

If your card has been lost or stolen, please call us immediately using the appropriate number below.

• Signature Cash Back Credit Card: 855-340-8778
• Rewards and Other Credit Cards: 866-952-8199
• Debit Card or ATM Card: 800-472-3272

You can apply for a personal credit card online. However, if you wish to apply for a Business Rewards Visa® credit card, you must visit a branch. Check out what credit cards Landmark has to offer!

A home equity loan and a home equity line of credit (HELOC) offers two different ways to access funding for repairs, renovations or additional expenses by using your home’s equity. Your home’s equity is calculated using the loan-to-value (LTV) ratio:

Home Equity Loan:

• Provides a lump sum of cash
• Repaid over a fixed term
• Consistent monthly payments
• Fixed interest rate for the loan duration

HELOC:

• Revolving line of credit to draw when needed
• 10-year draw period
• Operates similar to a credit card with multiple ways to access
• After the draw period you’ll enter a repayment period that can last up to 15 years
• Interest only payments during the draw period
• Interest and principal payments during the repayment period
• Variable interest rate

A HELOC provides flexibility and the ability to access funds when needed, while home equity loans offer a fixed lump sum with consistent monthly payments. Choosing one over the other depends on your financial goals and preferences. You can talk with a personal finance officer to find out which one is best for you.