Routing & Transit Number: 283079227

Cardmember Resources



24 hour cardholder support


- Account inquiries/requests
- Card/PIN replacement
- Payment options

- If you opened your credit card with us prior to September 1, 2017,

  and need assistance, call 1-800-558-3424


Click Here to Request a Credit Limit Increase


To apply for a credit card

Click Here or call 502-368-5858 or 1-800-292-2905


Lost/stolen card


Card activation



CU Rewards



Online Account Access Assistance

502-368-5858 or 1-800-292-2905 option 3



Making Payments

Current internet banking users can make payments by securely logging into their account through L&N’s Internet Banking. If you are not currently an Internet Banking user, you can find out how to sign up for Internet Banking by clicking here.


Payments By Phone



Mail Payments should be sent to

L&N Federal Credit Union

PO BOX 71050

Charlotte, NC 28272-1050



Free Mobile Apps

Mobile Apps for both iOS and Android devices are available.




Member Alerts

Click here to sign up for text message or email alerts on the account activity of your choice.



Digital Wallet

Ready, Set, Pay! Enjoy making convenient and secure purchases online or at participating merchants with Apple Pay, Android Pay, Samsung Pay, and MasterPass. Additional info and setup instructions are available at the links below.


Apple Pay

- Apple Pay Info

- How to load a card in Apple Pay     
- How to pay with an iPhone


Android Pay

- Android Pay Info

- How to pay with Android Pay


Samsung Pay

- Samsung Pay Info

- Samsung Pay Simulator

(Select the “Basic Functions” option on the left and then “Make a Payment”)


Microsoft Wallet

- Microsoft Wallet Info

“How to pay video” on the main page of this website at the top.



- MasterPass Info

- How to pay Online & In Apps
- How to pay with the Wallet