*NEW* The Upgrade is Complete

What to do now the upgrade is complete? Please visit www.bbcu.org/lakes2

Welcome From The President

We’re excited to welcome Lakes Community Credit Union (LCCU) members to Birmingham Bloomfield Credit Union (BBCU)!  After an overwhelming majority vote on January 11, 2020, LCCU members agreed that joining forces with BBCU makes us stronger and better equipped to serve you in the future.

On February 1, 2020, your membership automatically transferred to BBCU where you joined another 10,000 fellow members. We look forward to serving you with new or upgraded products, expanded branch locations, a shared branch network and much more!

A lot of preparation has taken place to ensure a smooth transition with your convenience in mind. One such measure is a system upgrade that will bring a few changes in the way you access your account. There are some big changes ahead which are clearly explained in this guide. Check out the FAQs on the following pages for general information, what to expect, and the credit union’s new fee schedule. Watch for additional reminders by email, website, social media and the mobile app.

We look forward to serving your financial needs.

Andrew Staley, President & CEO

What You Need To Know:

Members’ account numbers will change to an expanded 3,000,000 series structure. Example: If your account number
is 12345, your new account number will be 3012345.


Branches Closed:

All Branches will be CLOSED Saturday, July 18, 2020

We're Here To Help

Frequently Asked Questions

 Account numbers will change to an expanded 3,000,000 series structure. For example: if your account number was 12345 your NEW account number will be 3012345.

You have access to expanded locations, a larger ATM network, the Co-Op Shared Branch network, and a wider range of products and services!

Account suffixes will be updated on July 20, 2020. All automatic transfers set up with your LCCU accounts will continue to post as scheduled; you will
not need to reconfigure your account number information. Please refer to the following suffix conversion chart.

Suffix Conversion Chart:

AccountFormer SuffixNew Suffix
Certificates Etc.300300
Money Market6840-49

All recurring automatic transfers and ACH transactions will continue to post as previously scheduled—you don’t
need to do anything.

Yes. If you currently have direct deposit of your payroll check, payroll deduction or direct deposit of pension or Social Security, it will automatically transfer to Birmingham Bloomfield Credit Union without any action by you.

 You may use your current checks, however, when you are almost out of checks and it’s time to order more, you will want to use your NEW account number and the BBCU Routing Number #272477199.

Birmingham Bloomfield Credit Union will continue to process all items associated with the LCCU routing number. Effective July 20, 2020, you will want to use BBCU’s Routing Number #272477199.

Yes, your LCCU debit card will still function as normal. However, Friday, July 17 – Monday, July 20 funds available will be limited. Offline limits will be in place. 

Absolutely! Access Online Banking through www.bbcu.org. The first time you log into your online banking account after the conversion on July 20, 2020, you will need to complete the following:
1) USERNAME: Enter your NEW account number ie) 3012345
2) PASSWORD: Enter the last 4 digits of the primary member’s Social Security Number. You will then be prompted to set a new password and select security questions and answers.
NOTE: It’sMe247 Online Banking will be unavailable for a brief period while the system upgrade is in progress. Access is expected to be restored beginning July 20, 2020, at which time your fully-integrated Birmingham Bloomfield Credit Union account will be available.

The Lakes Community Credit Union mobile app will no longer be supported after the system upgrade. Users will need to access their account using the Birmingham Bloomfield Credit Union mobile app. Download it now from the App Store or Google Play to improve on-the-go banking beginning July 20, 2020.

After downloading BBCU’s mobile app, you will need to reenroll in the mobile check deposit program.

Your current certificate rate will remain the same. Current Rates will not change with quarterly dividend deposits. Look for a notice that outlines new terms for maturing certificates.

The Platinum & Gold status will no longer apply. Starting July 20th you will be automatically enrolled in BBCU’s Gividends Program. For more information on the program visit


Yes, Bill Pay services as well as your payee list will be automatically carried over in the conversion so you will not need to worry about re-enrolling in the Bill Pay service.

Yes, free CU*Talk audio response banking will still be available 24/7 for balance and transaction inquiries, funds transfers and more. The new toll-free number is 855-286-5885. Your audio PIN will be reset and you’ll need to select a new one during your set-up call. You will enter your NEW account number ie) 3012345 and your temporary PIN is the last four digits of the primary member’s Social Security Number.

This a new service from the merger. When you enroll in text banking Online Banking (click the “Go Mobile” tab), you can receive balance inquiries and alerts, as well as perform balance transfers, using your smartphone or tablet.

Your current enrollment through Minnesota Life will remain for the time being.

This is another benefit of the merger. Co-op Shared Branching allows credit union members access to their accounts at branches of other participating credit unions. Search for Shared Branches by selecting the Co-Op Shared Branch Locator at:

No. The terms and conditions of your loan will remain the same.

Continue to make payments the same way you do now—by mail, online via Loan Pay Xpress, or at any Branch.

Members using Loan Pay Xpress, Thursday, July 16th is the last day payments will be sent out prior to the conversion.  If you have recurring payments after the 17th of each month, you will need to recreate that recurring payment schedule again after July 20, 2020. Your User ID and Password along with payment history will carry over.

For now, there are no changes to your LCCU credit card for the foreseeable future.

The Birmingham Bloomfield Credit Union fee schedule is included in this guide. The fees are effective July 17, 2020. In most cases, the new fees are less than the LCCU fees.