Routing & Transit Number: 283079227

Fraud Alerts

These are the most current fraud alerts. Please know that L&N will never call, text or email you and request your account number or card number. If you receive a similar call, text or email, delete it immediately and call the credit union at (502) 368-5858 or (800) 292-2905 to report it!


To view videos about phishing and other internet fraud scams, Click Here.



New Text Scam

Recently, some of our members have received a text with a message that there is a problem with the person’s L&N debit card.

It prompts the person to call a number, type in their debit card number and other personal information. THIS IS FRAUD! Please delete the text.

L&N will never call and ask you for account numbers, debit card numbers or any other related information. If for some reason we called you, we would already have that information!


Click Here for More Information on Phishing.



Mobile Deposit Fraud

We want to alert you of a new form of fraud related to mobile deposit and also remind you to never share your personal internet banking log-in info with anyone.


Recently, there has been a new form of fraud related to mobile deposit transactions, across the country, with many bank and credit union accounts.


Individuals are preying on potential victims in an effort to obtain their personal banking or internet banking log-in information. They promise to make a deposit into the victims' account, through a mobile deposit. The stories vary, but the results are the same: theft of funds and personal information.


Please remember that L&N will never call, text or email you with a request for your account number, card number or internet banking log-in info. If you receive a similar call, text or email, delete it immediately and call the credit union at (502) 368-5858 or (800) 292-2905 to report it.


Please know that Mobile Deposit continues to be a safe and convenient way for you to make deposits to your L&N account. We take the matter of account security very seriously and when we have useful information to pass to our members, we try to do so in an expeditious manner.



Card Cracking

A new scam is popping up on college campuses. Called “cracking cards,” it entices gullible students by offering them a lump sum of cash in exchange for the use of their debit card to cash a check.


Scammers use social media outlets such as Facebook, Instagram and YouTube to find potential victims. Their proposition is simple: If you provide me with access to your account so I can deposit a check and withdraw the money, I will provide you with half of the proceeds.


After initial contact is made, the scammer arranges to meet up with the student to retrieve the debit card and corresponding PIN. The deposit is made, the money is withdrawn and then the check proves to be fake.


It’s a twist on a traditional scam with an even worse outcome. Says

So instead of just duping people into depositing the fake checks into their accounts and wiring or sending cash to the scammers, which is bad enough, victims are giving scammers direct access to their bank accounts.


That’s a huge risk – especially for students, who may have large amounts going through their accounts from loans, scholarships and tuition reimbursements.

“The origin of [cracking cards] was Chicago, but now there is activity in Seattle, New York and other cities,” a postal inspector told the Chicago Sun-Times.


Imagine having to explain to the bank, your parents and the police how you lost the money in your account. “Even though the students might be considered victims, authorities point out that providing their debit cards to someone else is a crime,” the Sun-Times says.


There’s an easy solution: Never share your account information, debit card or PIN.



Mobile Banking Malware

Recently a mobile banking security threat was discovered. As with any security issue, your security is our top priority. Android devices are especially vulnerable to Viruses and Trojan programs. The newest threat, Svpeng Trojan, is spread by malicious SMS messages.


What can I do to protect myself?

It is recommended that all Android devices be protected by an anti-malware program.


Install an antivirus app on both your personal computer and your mobile device and keep it updated.
- Avoid installing Android apps from third-party websites or unreliable sources,
- Read the permissions requested by every application before installing.
- Perform regular backups of data stored in Android devices.
- Protect devices with passwords.
- Don't view or share personal information over a public wi-fi network.


Where can I find more information?