LGFCU Member Connect : Member Connect online banking| LGFCU

Lgfcu Member Connect is a login service that is accessible via the internet for members who are members of the Credit Union. First-time users are required to enroll to Member Connect by clicking the “Enroll” link on our homepage or by clicking the “Enroll Now!” link on our sign-up page.

Sign in to:

1. You must enter your username. Enter the unique User ID that you registered at the time you first enrolled. If you are unable to recall your username, you can call the regional Branch as well as Our 24-hour Member Support.
2. Enter your password. Enter the unique password you set when you first signed up. If you are unable to recall your username, contact the regional Branch and the 24-hour Member Support.
3. Click Submit.

Security Question Setup

You will be required to select and answer six Security Questions out of the 22 available. These questions can be used to verify your identity when you use the online account of the Credit Union access.

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How to Setup:

1. Select a question from the drop-down box to answer question 1.
2. Respond to the questions. We strongly recommend you to follow the guidelines that are provided.
3. Continue to step 6, making sure that all of possible questions have been answered and then click Submit.
4. A confirmation saying “Your security questions have been updated and effective immediately’ will be displayed.
5. You can modify the Security Questions and Answers at any time through the Services tab, and selecting the option to update Security Questions.

Security answers provided aren’t case-sensitive. However, you’ll be required to recall precisely how you write your answers.

Examples:	St. Mary’s
	Saint Mary’s
	St. Marys

All of the above are various responses.

Checking Account Detail

Definitions

The Beginning BalanceThe balance on your account following the nightly processing.

Activities TodayThe transactions we have received , but are not yet in your account.

Money Holdsfunds in a bank account are placed on hold, other than deposits Pending.

deposits pending Checks – Money from checks made out to CashPoints ATMs are held are subject to an auto-one-day holds.

Overdraft Balance The total of available Balance(s) on the safeguarding account(s) less any funds that are not accessible for transfer from the protected account(s).

available balanceThe balance as of the current date without all “monetary holds” or “deposits pending”. The balance doesn’t include funds from any accounts that are designated as protected accounts under The LGFCU’s Overdraft Transfer Service. For shares, Zard share, FAT CAT, Coverdell ESA, IRA or SEP IRA accounts where a minimum balance has to be maintained the Balance Available includes the minimum balance required but this can’t be transferred to a different account for any reason. The Available Balance can be used to check if there is enough money available to pay for items. The Available Balance might not reflect all transactions or the total amount of any transaction you’ve approved or initiated. Check out your Account Disclosures for more details.

The current balanceThe balance at the beginning including or without any items in Activity Today that haven’t yet been posted. The balance is not inclusive of the funds of any account that are designated as protection account for the LGFCU’s Overdraft Transfer Service. Items listed in Activity Today comprise transactions we have received, but have not yet been credited into your accounts. The current Balance is not inclusive of things like scheduled BillPay transactions and checks you’ve made but haven’t yet cleared your account.

How to use Checking Account Detail:

1. With the Sort By table to sort your transactions according to: Paying by Checks, ATM Transactions Only, Visa Check/Interlink, Credit Only or Credit Only.
2. You can choose the date range you want to view your transaction by choosing from Date and the to Date. Only the last 120 days of the history of your check are accessible.
3. After you’ve sorting your transactions then hit the Download History button, and your transaction list will be updated.
4. To view an image of a check to view a check image, click”Check with Image” or click on “Check with Image” link.
5. If you want to see another account, click on the drop-down menu for Accounts and click on the name of the account.
6. Utilize your Quick Links to easily navigate to pages that are related.

Checking Account Activity Today Detail

The pending transactions that are included as part of Activity Today’s total Activity Today total have been accepted and appear in the balance of the account, however they have they have not yet been added into the bank account. You can review the majority of the details of transactions within Activity Today by visiting the Activity Today Detail page. Once transactions have been recorded to the history of your account and are deleted out of Activity Today Detail page. Activity Today Detail page in the course of our evening processing (approximately 2 AM Eastern).

At present there are currently no information about pending transactions can be shown in this section. The pending transactions that are not able to be displayed are listed in the Other total that is listed on the right side of the screen. Further details are added as changes are added for our hosting systems.

Point of Sale

These Point of Sale transactions displayed on the Activity Today Details page are authorizations that are submitted from the vendor. The amount of authorization is an estimate provided by the merchant that could be more or less than the amount that you have authorized. Restaurants, for instance, typically allow the amount of the meal but without the tip. Authorizations can be in effect for up to three business days. Actual debits from Point of Sale transactions can be delayed for up to 3 days to be processed by the retailer and accepted at the Credit Union for posting.

Also, it is important to know that a retailer can reverse the authorization upon your request, or increase or alter the amount of the authorization in specific situations (such as an extended stay in a hotel). If an extension or change is made by a retailer you will be able to hold your credit card for a period of time. may be modified or extended.