Conversations | Account Customer Support at Luminate

We’re introducing a better way to get the personal support you’ve come to expect from Luminate Bank, no matter where you are. Conversations is built right into your account, so every message is completely secure, encrypted, and authenticated.

Have a question about your account? Need help with a transaction? Just start a chat with our support team right from your phone, computer, or tablet. It’s simple, fast, and always at your fingertips when you need it.

Best of all, Conversations is already part of your account. Just log in and give it a try today!

Man and child decorating a Christmas tree, smiling and laughing. Lit tree, ornaments, indoors.

3 Housing Market Questions Everyone’s Asking This Season

By Luminate Marketing Team • December 8, 2025

To help you feel confident this season, here are the top three housing market questions people are asking right now with clear, fact-based answers.

Black box filled with rolled Euro bills and coins. A green key hangs above the box.

Let’s Talk About 50-Year Mortgages

By Legacy Mortgage Division • November 26, 2025

Some believe that the government’s support is what made 30-year mortgages a legitimate option. But could that future be guaranteed for the 50-year mortgage?

Pennies spilling from a glass jar tied with twine on a dark surface.

No More Pennies? Here’s How the Phaseout Will Affect Cash, Banking, and Payments

By Luminate Marketing Team • November 21, 2025

The U.S. is phasing out the penny by 2026. Learn how this change affects cash transactions, banking, mortgages, and what Luminate Bank customers should expect.

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