MyAccount is a secure online service allowing LCEF investors and borrowers quick access to their LCEF investment and loan information via the internet.

For investors who include the ministry of LCEF in their investment strategy, MyAccount is another way for your LCEF funds to be available to you from the convenience of a personal computer—24 hours a day, 7 days a week.

LCEF offers MyAccount to investors and borrowers with transaction accounts. These types of accounts include the following: dedicated certificates, the LCEF StewardAccount^®, Family Emergency Fund, Health Savings Account (HSA), rostered church worker consolidation loans, and congregation loans.

Because LCEF is required to pay monthly maintenance fees on each MyAccount ID (fees that are not passed to our customers), we currently do not offer MyAccount access to accounts with quarterly, semiannual, or no transaction capabilities. This lowers administrative costs, helping LCEF offer lower loan rates to LCMS churches, schools, and church workers.

Other options available for obtaining information about your LCEF investments:

• Interactive Voice Response System (1-800-678-2285)
  Call toll-free 24 hours a day, 7 days a week to access your balance information.
• Information Representatives
  Speak with a friendly LCEF rep any time between 7:45 a.m. - 4:15 p.m., CT, Monday through Friday.

Investors with accounts that offer MyAccount access (see above) may view all of their LCEF investments online (including term notes, etc.). Please be aware, however, that only StewardAccounts®, Health Savings Accounts (HSA), Family Emergency Fund, and dedicated certificates have electronic funds transfer capabilities.

Besides viewing account history and balances, MyAccount users may:

• Request funds transfers (signed form may be required).
• Download MyAccount history.
• Initiate wire transfers.
• Order checks and investment slips.
• View images of checks on applicable accounts.
• Inform LCEF of address changes.
• Review loan information (congregations and rostered church workers).
• Contact LCEF staff via Secure Mail e-mail system.

MyAccount information is updated at 4:30 a.m., CT, every business morning.

All initial applicants will not be charged for accessing account information or transferring funds—these services are free!

If more than one password on one account is requested, a nominal monthly charge will be applied for each additional password.

LCEF will continue to charge for special services related to your accounts, such as wire transfers or check reorders. For more information, please refer to the Terms & Conditions.

No, you cannot aggregate other financial information (external to LCEF) to MyAccount. MyAccount only offers access to LCEF funds that you currently have invested with us.

No, do not join your MyAccount information with another financial site. In doing so, you must surrender your unique MyAccount ID and password, causing security concerns.

If you have further questions about the MyAccount system, please call an LCEF Information Representative at 1-800-843-5233 any time between 7:45 a.m. — 4:15 p.m., CT, Monday through Friday.

If you call LCEF outside regular business hours, please leave a detailed voicemail message. Our representatives can begin to research your question before we contact you.

First, have you completed a MyAccount application and received a password and MyAccount ID? If not, go to the homepage and select “MyAccount Information” and then select “Application” to apply for MyAccount access.

If you receive the message “Login and/or Password was not found”, try to logon again. Your password is case-sensitive so check your caps lock key. Occasionally, the MyAccount system is being updated and will be unavailable, however, these updates are brief so try to login again in a little while.

If you have forgotten your MyAccount ID or password, go to the homepage and select “Forgot your login ID?” or “Forgot your password?” and this will walk you through the steps to retrieve this information.

If you are still experiencing problems, please call an LCEF Information Representative at 1-800-843-5233 or fill out our contact us form.

For Personal Accounts: Every effort is made to add new accounts for our personal account users. However, if you are missing an account in the “Account Overview”, please contact and LCEF Information Representative at 1-800-843-5233 so we can add that account to the “Account Overview”.

For Congregation/Organization Accounts: To protect your organization, LCEF requires a MyAccount Application be completed for each account that is to be added to MyAccount. The application must then be signed by an organization officer, approving the account’s placement on MyAccount.

If you know your MyAccount ID but not your password: you can reset your password by providing the ID. Then click on “Forgot your password” and you will be shown a portion of your new password on the screen and the rest of your password will be sent to you via email.

If you have forgotten your ID: enter your original LCEF User ID which is your social security number plus one digit. The digit is based on type of accounts you are accessing (a “1” represents personal accounts; a “2” represents congregational accounts; and a “3” represents district accounts). Next, you will be asked to correctly answer a security question. Your ID will then be sent to you via email. Please note that if you select “Forgot your login ID”, you can create a reminder to assist you if you forget your ID again in the future.

If you need assistance or MyAccount system informs you that your password has been disabled, contact an LCEF Information Representative at 1-800-843-5233 or fill out our contact us form.

The first time you log on to MyAccount, the system will require you to change your MyAccount ID and password. Your login ID must use 6 to 20 characters, requires at least one alpha character, and is not case-sensitive. Your password is case-sensitive using 8 to 32 characters and requires a combination of alpha and numeric characters.

If you wish to change your password and ID at a later date, log on to MyAccount and then click the “Services & Prefs” button. Select “Change Logon ID” or “Change Password” and follow the instructions.

Your privacy is very important to LCEF, as is safeguarding your financial information. Please review our Privacy Policy that explains how LCEF protects your interests.

MyAccount supports the highest level of Internet security to protect your personal financial information. From the moment you enter your MyAccount ID and password until the moment you log off, all communications between you and LCEF within the MyAccount system are encrypted to protect your privacy and the confidentiality of your account information.

“Encryption” is the transformation of data into an unreadable form, scrambling the information into a code that can be decoded later using the correct “key.” MyAccount uses a mathematical encryption process comprised of a certain number of “bits” and requires a secure browser that supports 128-bit encryption.

The higher number of “bits,” the better the encryption; therefore, MyAccount uses 128-bit encryption, the highest level available on the commercial market today.

Two common browsers that support 128-bit encryption are Microsoft Internet Explorer 5.0 or higher and Netscape Communicator/Navigator 4.0 or higher. (Note: LCEF does not recommend using Netscape 6.0 with MyAccount.)

If you are using Microsoft Internet Explorer, open your browser window and click “Help” on the menu bar. Click the “About Internet Explorer” section from the drop-down menu. A box will appear showing which version you are currently using and also the browser’s “cipher strength” (level of encryption).

If you need to update your Internet Explorer browser, click on the link “Update Information.” You will be directed to the Microsoft Web site to download the 128-bit encryption patch.

With Netscape Communicator/Navigator, open your browser window, click “Help” and then “About Netscape Communicator/Navigator.” A box will appear showing which version you are currently using. If you need to update your Netscape browser, you will need to download the browser from the Netscape Web site.

Please remember that download times may run as high as two hours, depending on the speed of your Internet connection.

Secure Web sites will display a picture of a closed lock or a picture of a key at the bottom of the computer screen. If the site is not secure, the lock will appear open, or the key will appear to be broken.

First, you must have an LCEF transaction account. These types of accounts include the following: dedicated certificates, Health Savings Accounts (HSA), Family Emergency accounts, LCEF StewardAccounts®, rostered church worker consolidation loans, and congregation loans.

You also will need access to an Internet connection with a browser capable of 128-bit encryption. To print account history or check copies, your computer must be connected to a printer.

To apply for MyAccount access, either:

1. Download and print an Individual MyAccount application or an Organizational MyAccount application, or
2. Call LCEF at 1-800-843-5233 and request that an application be sent to you.

Once the form is completed and you agree to the Terms & Conditions, mail the application to LCEF at:

You will receive information welcoming you to MyAccount within five to seven business days (after LCEF receives your application).

Once you receive both your MyAccount ID and password, you may begin using MyAccount to access your LCEF investment information.

MyAccount will show the account history of your LCEF investments as of the date you received your MyAccount ID. This history information remains on the MyAccount system for one year. If you require a statement with investment history prior to signing up for MyAccount, please call an LCEF Information Representative at 1-800-843-5233.