1 /5 drummerjonrush30: If you live paycheck to paycheck, DO NOT use LFCU. They will tack on overdraft fees, returned payment fees and continue to take your money for made up fees. I cant tell you how many times I have been screwed over by their "fees" and left struggling until my next paycheck. If a bank actually valued members they wouldnt intentionally kneecap them at every turn. Again do not use LFCU if you live paycheck to paycheck!