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LGE Welcomes You
Commited to your financial well-being Join Today!High Rewards Checking
| If You Have… | You Will Earn… |
|---|---|
|
• eStatements • Monthly direct deposit or ACH transaction* • 15 or more LGE debit and/or credit card transactions that post monthly with a total spend of $500 or more |
• Earn 2.00% APY** on balances up to $25,000 • Unlimited 1% cash back on credit card purchases • Unlimited Non-LGE ATM refunds |
Get these benefits:
- Pays 2.00% APY**
- 1% cash back checking reward on purchases made with an LGE VISA® credit card***
- No minimum balance
- A refund of all non-LGE ATM fees****
- Free Online and Mobile Banking, Mobile Apps, and Memberline (24-hour automated phone banking system)
- Free Bill Pay
- Free checks for members 60 and up*****
- Free notary service and signature guarantees (by appointment only)
Meet these qualifications:
It’s easy! Most people already do these things in their every day banking!
- Receive eStatements in lieu of paper statements.
- Have at least one monthly direct deposit into the account or one monthly automatic payment from the account.*
- Perform any combination of 15 or more LGE debit card and/or LGE credit card transactions that post during the month with an aggregate total of $500 or more (excluding ATM transactions and credit card cash advances).
Open a High Rewards Checking Account
Already have an LGE checking account? Simply call us at 770-424-0060 or visit your local branch and we can convert your existing account to High Rewards Checking.
Membership eligibility and base savings account that keeps a $5 minimum balance required.
Qualifications and rewards may change at any time. LGE Community Credit Union reserves the right to modify or cease products offered at any time.
* Transfers between LGE accounts and Bill Pay transactions do not satisfy this requirement.
** APY = Annual Percentage Yield. Refer to the Checking Rates page for additional conditions.
*** This benefit is available if you meet the qualifications described above. Cash back reward is based on your LGE VISA Credit Card “Net Spend”. Net Spend is any eligible purchases made during the calendar month not during the credit card billing cycle. Excluded transactions include, but are not limited to, insurance payments, fees assessed, cash advances, balance transfers, and interest paid. Posted credits, unauthorized charges, and items returned during the calendar month may decrease the amount of net spend eligible for cash back. Rewards are posted on the first business day of each month for prior month activity. Accounts and loans that become and/or remain in delinquent status may not be eligible for cash back rewards. LGE Visa Credit Card must be on the same account as your High Rewards Checking to be eligible for the cash back reward.
**** This benefit is available if you meet the qualifications described above. Refers only to Non-LGE ATM Fee; does not include Surcharge Fee assessed by ATM Operator. See Fee Schedule for additional information about the Non-LGE ATM Fee.
***** Free check offer applies only to one box of duplicate Gray Smoke Alliance style checks per year for your eligible checking account. CheckProtect shipping fee and taxes apply to all check orders. Your LGE checking account will be debited within 10 days after shipment.
Simply Checking
A checking account for those who want to keep it simple.
- No minimum balance
- No monthly fee for a VISA® debit card
- Free eStatements
- Free Online and Mobile Banking, Mobile Apps, and Memberline (24/7 automated phone banking system)
- Free Bill Pay
- Free checks for members 60 and up*
- No per-check fees
- Free notary service and signature guarantees (by appointment only)
Open a Simply Checking Account
Membership eligibility and base savings account that keeps a $5 minimum balance required.
* Free check offer applies only to one box of duplicate Gray Smoke Alliance style checks per year for your eligible checking account. CheckProtect shipping fee and taxes apply to all check orders. Your LGE checking account will be debited within 10 days after shipment.
Reordering Checks
To reorder checks, please log in to Online Banking and choose "Reorder Checks" from the "Account Services" widget. You can also contact us at 770-424-0060.
Visa® Debit Card
This card does it all — worldwide! And it’s yours with any LGE Checking account. Just look at all the benefits of our Visa debit card!
- Cards available the same day at any branch
- Built-in chip technology for enhanced security
- No monthly fee
- Apple Pay available
- Safer than cash and offers the security of Visa’s Zero Liability for fraudulent purchases (zero liability does not apply to ATM transactions or PIN transactions not processed by Visa)
- Doubles as your ATM card
- Faster than writing a check
- Low 1% International Service Assessment (ISA) Fee – compare with what banks charge
- Make your card uniquely yours with our Design Your Own Card program. Click here for details. Select an image or photo that you want to appear on your debit card, including our new Spirit Cards.
Already have an LGE Checking account? Call 770-424-0060 to request a Visa Debit Card over the phone.
Fraud Detection
Get the highest level of security when it comes to protecting your account from fraudulent charges. Visa’s Fraud Detection Service monitors transactions on your account 7 days a week, 24 hours a day. Click here for information about what to do if a Visa Fraud Representative contacts you.
Purchase Alerts
Sign up for Visa Purchase Alerts to receive near real-time email updates on your Visa card activity. This way you can act quickly to help reduce fraud and monitor your account, wherever you are. And Visa Purchase Alerts is a free service for LGE Visa cardholders. Learn more and sign up at Visa.com/PurchaseAlerts.
Verified by Visa
Verified by Visa enrollment is no longer required on LGE cards, but rest assured that your Visa card transaction is still secure. Your security is important, and therefore we have deployed advanced risk detection technology to monitor transactions which removes the need for passwords, allowing you to shop without interruption. For additional information call the Verified by Visa support center at 1-800-504-5705.
Visa Checkout
Pay online the easier way with Visa Checkout and your LGE Visa Debit card.
Questions about your Visa Debit Card?
Overdraft Protection
Basic Overdraft Protection
Choose overdraft protection for your checking account from your Savings, Personal Line of Credit, or a combination of the two.
Courtesy Pay
Courtesy Pay is a service that allows us to pay an ACH or check item presented against your checking account even if it causes the account to become overdrawn. It allows LGE Community Credit Union to provide a higher level of service to you by helping to protect your account and reputation when an inadvertent overdraft occurs.
Courtesy Pay for ATM or Debit transactions is a service we provide with your affirmation. It allows us to pay ATM or Debit card transactions presented against your checking account even if they cause the account to become overdrawn. Click here for additional information.
The Courtesy Pay limit includes any overdraft fees assessed.
More Information on Courtesy Pay
If the account has been open and maintained in good standing, defined as A) Making regular deposits sufficient to cover transactions; B) Bringing the account to a positive balance at least once every thirty days or less, and; C) There are no legal orders outstanding on your account, we may, at our sole discretion, pay overdrafts up to the limits mentioned above, including our normal Non-Sufficient Funds or Courtesy Pay charge(s). Whether we pay or return an item, your account will be assessed a fee, either as a Courtesy Pay charge or a Non-Sufficient Funds charge, but you will not be charged both fees. Our current charge per item is $30, which may be changed with prior notice to you.
Courtesy Pay offers additional flexibility and convenience in managing accountholder funds, and provides peace of mind knowing that items may be paid up to the authorized overdraft limit. Using Courtesy Pay may be more costly than other overdraft payment options we may offer. Please speak to a representative to see if you qualify.
This non-contractual courtesy of paying overdrafts requires no accountholder action after you opt in. No additional agreements need to be signed, and it costs nothing unless the privilege is used - by initiating checks, ATM withdrawals, debit card withdrawals, or other payment or withdrawal requests for more than is on deposit in the account. If you maintain the account in good standing and have need for this “courtesy”, we may, at our sole discretion, pay the item(s) up to the authorized limit, and we will charge the account our normal Non-Sufficient Funds or Courtesy Pay charge for each item that overdraws the account. You then have up to 30 days to bring the account current.
Although you are not charged for using Courtesy Pay unless you have an overdraft, you may opt out of Courtesy Pay at any time. If you do not want us to pay your overdrafts, you must tell us (“opt out”). If you receive a direct deposit of your social security or other federal benefit check, you must opt out if you do not want us to apply those funds to repay an overdraft. To opt out of Courtesy Pay, contact us at 770-424-0060.
Additional information is found in your account agreement. If you have further questions, do not hesitate to call us at 770-424-0600.
Courtesy Pay is not currently available at CU Service Centers or for HSA Checking Accounts.
Not all members will qualify for Courtesy Pay; in such cases, LGE Community Credit Union’s normal non-sufficient funds policy applies.
Frequently Asked Questions
- Is there a monthly service charge for an LGE High Rewards Checking account?
No, there is no monthly service charge as long as your account remains active.
- How often must the requirements be met to qualify for the rewards?
The qualification period goes from the first day of the month through the last day of the month (the statement cycle).
- What happens if the requirements for High Rewards Checking are not met?
You will not receive dividends and you will not be eligible to receive cash back on credit card purchases. In addition, non-LGE ATM fees will not be refunded.
- What are the rewards for High Rewards Checking?
Higher dividend rates on the balance in the account up to a maximum balance of $25,000, refunds of all non-LGE ATM fees, and cash back on credit card purchases.
- Where do I find my High Rewards Checking qualification status?
You don’t have to wait until the end of the statement cycle to confirm your qualification status. You can log into Online Banking any time during the month and select “High Rewards Checking” from the menu to check the status of your requirements.
- If my account balance goes negative, will I still be able to qualify for my rewards during that statement cycle?
Yes, as long as you meet the requirements you will still qualify for your rewards.
- If I fail to meet the requirements during this statement cycle, can I still have a chance to qualify during the next statement cycle?
Yes, you can start over next month and work towards meeting the requirements.
- If I use my credit card for a cash advance, will that transaction count toward my requirements?
No, cash advances do not count toward the requirements.
- If I use my debit card at an ATM, will that transaction count toward my requirements?
No, ATM transactions do not count toward the requirements. Only point-of-sale transactions that post to your account during the statement cycle count (PIN entered or signature based).
- If I meet the requirements, when will I receive my rewards?
You will automatically receive the refund for non-LGE ATM fees on the last day of the current month. Dividends will be paid on the first day of the following month. Any cash back earned on credit cards will also be paid on the first day of the following month.
- On a joint account, do debit card or credit card transactions from either of the account owners count towards the monthly requirement?
Yes, transactions from each account owner count toward the monthly requirement.
- May I carry forward debit card or credit card transactions in excess of the required number to the next statement cycle?
No, only transactions that post during the qualification period will count towards the requirements for that statement cycle.
- Is there a minimum balance requirement in order to receive my rewards?
No, there is no minimum balance requirement to receive your rewards.
- What is the minimum opening balance for a High Rewards Checking account?
There is no required minimum opening balance; however, we recommend that you deposit enough funds to cover the costs of any printed checks you wish to order.
- Why do you call it “dividends” instead of “interest?”
Whereas banks pay interest, credit unions pay dividends. It’s a similar principle of earning money on your deposit.
- How is the dividend rate calculated?
Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.
- Will I receive a 1099 at the end of the year reflecting dividends earned over the year?
Members will receive a 1099 if the combined dividends earned on all LGE accounts is $10.00 or more. Cash back earned on credit cards purchases is not included.
- What is the statement cycle for High Rewards Checking?
The statement cut-off date for High Rewards Checking is the last day of the month, which is the same as all other LGE checking accounts.
- Do I have to use the debit card as a debit transaction at the point of sale, or may I tell the vendor to use it as though it were a credit transaction?
As long as you use your debit card, it doesn't matter if you use it with your PIN, or as if it were processed as a credit card transaction (signature rather than PIN). However, transactions processed as credit card/signature transactions offer the security of VISA’s Zero Liability for fraudulent purchases.
- Can I have High Rewards Checking if I don't have a computer?
Yes. You can use computers at your local library or an Internet café to sign up. However, be wary of security on public wide-area networks. It is best to ensure that a connection you use is secure. You do need a valid email account to enroll in eStatements and there are Internet service providers that offer free email accounts. You might check with Google and Yahoo to investigate free email accounts.
- Must I access my eStatement online in order to qualify for the rewards?
No, you are not required to access your eStatement online. You are only required to sign up and receive the eStatement notification by email. We strongly encourage you to review your account statement regularly; however, this is your choice.
- What if I need a printed copy of my statement?
Statements can be printed through Online Banking or you may contact the credit union for copies (refer to Fee Schedule).
- Is there a limit on the amount of money I can keep in my High Rewards Checking account?
There is no limit on the amount of money you can keep in your High Rewards checking account. However, the higher dividend rate only applies to the first $25,000. Checking balances over $25,000 will earn a lower dividend. Refer to the Credit Union Rate Schedule for current rates and APYs that apply.
- Is overdraft protection available for High Rewards Checking accounts?
Yes, overdraft protection is available for the High Rewards Checking account. Choose overdraft protection for your checking account from savings, personal line of credit, or a combination of the two. We also provide our members with a worry-free way to avoid bouncing checks with our Courtesy Pay service.
- Will I be able to use my existing debit card, printed checks, and account number if I convert my existing checking account to High Rewards Checking account or will those all change?
Yes, you can use your existing LGE debit card, printed checks, and account number. The only thing that will change is the name of the checking account.
- How may I convert my current checking account to a High Rewards Checking account?
To convert your current LGE checking account to a LGE High Rewards Checking account, visit your local LGE branch, call 770-424-0060 option 4, or log into Online Banking and open the High Reward Checking widget then select the “Convert to HRC Now!” button. Please note that High Rewards Checking accounts are not available for business accounts.
- Will the Direct Deposit and ACH transactions that were attached to my previous LGE checking account transfer over automatically to my High Rewards Checking account?
Yes. Since your account number will not change, everything will work the same on your new High Rewards Checking account.
- Can I open multiple High Rewards Checking accounts?
No, only one High Rewards Checking account is allowed per primary member.
- Can multiple people use the same High Rewards Checking account?
To use the High Rewards Checking account, the user(s) must be added to the account.
- Can a DBA (“Doing Business As”) or business account use High Rewards Checking?
No, only personal accounts are eligible for a High Rewards Checking account.