Pay & Transfer
Manage your money with convenient digital tools designed to fit your lifestyle. Transfer funds, pay bills, and make loan payments securely from wherever you are, whenever it's convenient for you.
Important Updates Coming to Bill Pay
Important Updates Coming to External Transfers
Bill Pay
Simplify your monthly payments with Bill Pay. Pay bills electronically from one secure location, schedule one-time or recurring payments, and stay on top of your finances with ease.
Pay Loan External Funds
Make payments to your L&N loan using funds from an account at another financial institution. It's a convenient way to stay current on your loan without transferring money between accounts first.
Make a Transfer
Move money quickly and easily between your L&N accounts. Whether you're transferring funds to savings, making a loan payment, or managing your everyday finances, internal transfers give you convenient access to your money anytime.
Member-to-Member Transfer
Send money securely to another L&N member in just a few clicks. Member-to-member transfers make it easy to share funds with family members, friends, or anyone who banks with L&N.
To provide a better online and mobile banking experience, we're upgrading our Bill Pay service on Monday, September 21, 2026. Bill Pay will be unavailable beginning Thursday, September 17 at 5:00 PM EST as we transition to the new platform.
What's Changing?
For electronic Bill Pay payments, funds must be available in your selected account on the payment send date.
If sufficient funds are not available:
- The payment will not be sent
- We will not automatically retry the payment
- You will need to reschedule the payment once funds are available
For Check Payments:
- Checks will be mailed on the send date you select.
- Once the check is mailed, the payment amount will appear as a pending transaction and be deducted from your available balance.
- The payment will post and funds will be debited when the recipient cashes or deposits the check.
- Pending payments help you track outstanding checks and avoid overspending.
What's Staying the Same?
The following information will transfer automatically to the new Bill Pay service:
- Existing payees
- Scheduled payments
- Automatic payment rules
- Payment history
- Electronic and check payment options
- Access through Online and Mobile Banking
What Action Do I Need to Take?
After the conversion on Monday, September 21, please review all your payees, scheduled payments, and recurring payments and make any needed changes to ensure the payment processing dates, processing timelines, and payment methods meet your needs.
We also recommend deleting any payees you no longer use. Please note that any payees currently marked as hidden will be displayed after the conversion.
We're also introducing a new External Transfer experience on Monday, September 21, for personal accounts. One noteworthy improvement is that External Transfers will be available in the L&N Mobile App.
External Transfers will be unavailable beginning Friday, September 18 as we transition to the new platform.What's Changing?
External account information cannot be transferred to the new platform.
Existing Linked Accounts Will Not Transfer
On September 21, 2026:
- Members will need to reconnect external accounts within the new system
- Account verification will be required during setup
Scheduled External Transfers
Any recurring or future-dated External Transfers scheduled to process after Friday, September 18, 2026 will not be processed and must be re-established in the new system.
Business Members
No action is required. Business members will continue using the current External Transfer service.