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Account Maintenance

How do I change my address?
You can change your contact information in online banking by clicking on the Services tab, then the Address Change option.  You can also update your phone number and email address here.

If you aren’t an online banking user, you can visit a branch or mail us the following form with your signature.

How do I add/remove joint owners from my account?
A new signature card must be completed and signed by all signers whenever you add a person to an account. The person being removed must sign agreeing to the removal.  Visit a branch so we can take care of this for you.

How do I add/remove an account beneficiary?
A new signature card must be completed and signed. Please visit a branch, or call us at 800.837.4562, and we will mail the information to you.

How do I change my name on my account?
A new signature card must to be completed and signed for all account. Any joint signers must sign the cards also. We need a copy of your new driver’s license, marriage certificate or divorce papers. We prefer that you come to a branch to change your name.

I have power of attorney for a member. How do I handle transactions for the member?
Please bring the POA to a branch or mail it to us at: .

We will make a copy if necessary. Some Powers of Attorney permit us to treat a photocopy as the original; others do not.

How do we change signers on an organization account?
A new signature card needs to be completed and signed. As long as one of the new signers is the same as the old, all we need are new cards. If there is a completely new group of signers, then one of the old signers needs to sign off the account. We prefer that all signers come into a branch to sign.  A driver’s license will be required, and no changes will be made until everyone has signed the new account cards.

Why do I need a second account in addition to my revocable trust account?
The only way entity accounts such as revocable trusts are eligible to have an account at LOC is if all of the trustees are also members. We may require a second personal savings account with a minimum deposit of $5.00 before we can open your Revocable Living Trust account. A couple with a Trust account will have three accounts, a personal account for each spouse plus the Living Trust account.  We take this step for your protection, to ensure that your account meets all regulatory requirements.

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