Landmark offers several types of secured loans and a secured credit card which you may be eligible for, following your discharge from a bankruptcy. With these services, you are required to have a cash collateral deposit with Landmark which becomes your credit line for the account. You can help re-establish good credit by making timely payments on these loans. To learn more about these services, visit one of our branch locations or contact us.

A home equity loan and a home equity line of credit (HELOC) offers two different ways to access funding for repairs, renovations or additional expenses by using your home’s equity. Your home’s equity is calculated using the loan-to-value (LTV) ratio:

Home Equity Loan:

• Provides a lump sum of cash
• Repaid over a fixed term
• Consistent monthly payments
• Fixed interest rate for the loan duration

HELOC:

• Revolving line of credit to draw when needed
• 10-year draw period
• Operates similar to a credit card with multiple ways to access
• After the draw period you’ll enter a repayment period that can last up to 15 years
• Interest only payments during the draw period
• Interest and principal payments during the repayment period
• Variable interest rate

A HELOC provides flexibility and the ability to access funds when needed, while home equity loans offer a fixed lump sum with consistent monthly payments. Choosing one over the other depends on your financial goals and preferences. You can talk with a personal finance officer to find out which one is best for you.

You can pay your credit card online in Digital Banking (online or mobile app) or by doing a one-time guest payment using an external bank account or debit card.

Option 1: Through Digital Banking

• Log into Digital Banking.
• Hover over "Pay & Transfer" from the top navigation.
• Click "Transfers & Loan Pay."
• Choose a "From Account" you want to make your payment from in the drop-down.
• Select "Add An Account" to pay from an external account.
• Choose your credit card from the "To Account" drop-down.
• Choose the amount you want to pay from the "How Much" drop-down. You'll see options such as regular amount, amount due and "other" for a custom amount.
• Under "When" choose the frequency. You can make a one-time payment or set up recurring payments.
• Add a memo, if you like.
• Click the "Review Transfer" button.
• Make sure everything is accurate, and then click the "Submit Transfer" button.

Option 2: Through the Mobile App

• Log into the Landmark app from your phone.
• Tap the "Money Movement" icon on the bottom navigation.
• Tap "Pay a Loan."
• Choose a "From Account" you want to make your payment from in the drop-down. Select "Add Account" to pay from an external account.
• Choose your credit card from the "To Account" drop-down.
• Choose the amount you want to pay from the "How Much" drop-down. You'll see options such as regular amount, amount due and "other" for a custom amount.
• Under "When" choose the frequency. You can make a one-time payment or set up recurring payments.
• Add a memo, if you like.
• Tap the "Review Transfer" button.
• Make sure everything is accurate, and then tap the "Submit Transfer" button.

You will receive an online confirmation that the transfer is complete, along with a Reference Number, after you select the "Confirm Transfer" button. We use real-time account access, and therefore as soon as you confirm the transaction, it will process. Internal transfers, excluding credit card and mortgage payments, are immediate. Mortgage and credit card accounts, which will not reflect a transfer until the next business day because payments are only processed overnight for these two types of accounts. External transfers may take up to three days to post. We recommend visiting the Account Summary or History page to verify the transfer has taken place.