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Online Banking Agreement, Electronic Consent, and Online Privacy Policy

effective November 3, 2023

By completing the Online Banking registration process, you acknowledge and accept that you have been notified of and provided with the newly updated Membership and Account Agreement. These updates are reflective of the new Online Banking platform. This document can be viewed, saved, or printed. To save this document, right click, select Save As, and save to a file on your computer. To print this document, right click and select Print.

This Agreement informs you of your rights when receiving legally required disclosures, notices, and information ("Disclosures") from the Credit Union. If you authorize or have already authorized another person to access your account through LGE Online Banking (“Services”), you agree and authorize the same to receive your electronic communication. Download or print this document now and retain a copy of this agreement for your recordsBy using the Services, you agree to all of the terms and conditions in this Agreement. This agreement is subject to the terms and conditions of your Credit Union Membership and Account Agreement, as amended from time to time and are incorporated by reference and made a part of this Agreement.

 Scope of Communications to Be Provided in Electronic Form: You agree that we may provide you with any communications relating to your Account in electronic format. We will therefore discontinue to send you paper-based communications, unless and until you withdraw your consent as described below. Your consent to receive electronic communications and transactions includes, but is not limited to:

  • Initial disclosures, schedules or agreements for your account or associated payment features
  • Periodic disclosures or monthly billing and/or activity statements for your account
  • Notices, schedules or disclosures regarding a change in terms of your account or associated payment features
  • Privacy Policy and Notices 

Usage: If we grant you access for the Services, you will need an internet enabled device to access your accounts. You are responsible for the installation, maintenance, and operation of any software or hardware. LGE Community Credit Union will not be responsible for any errors or failures caused by or related to telephone service, Internet service, hardware, or software. We assume no responsibility for any loss arising from incomplete information or for any temporary interruption in our information system. We make no warranty, express or implied, in law or in fact, including but not limited to any implied warranty of fitness for a particular purpose or of merchantability, with respect to the services, or any computer programs, apps, equipment or software made available to you.  


All specifications, records, software, forms, systems, security procedures, and programs utilized or developed by us in connection with this Agreement constitute confidential, proprietary property and must be returned to us upon request. All Primary and Joint Account owners are authorized to use Services, unless noted or restricted by local or federal regulations. 

Password Protection: Access Online Banking using your User ID and Password. Upon first login you must change your password. Changing your password in Online Banking has no effect on your PIN used for Memberline, ATMs, or point-of-sale devices. We identify you by your unique User ID and Password. Transactions initiated by using your User ID and Password will be considered as having been authorized by you and your use of your account number and password constitutes your legal permission and signature to perform the transaction(s) you request, as allowed by the Electronic Signatures in Global and National Commerce Act. 

You agree not to give or make available your password for any Credit Union electronic service to unauthorized individuals.  If you believe that your password has been lost or stolen, or that someone may attempt to access your account without your permission through Online Banking, Mobile Banking, or any other electronic device, you agree and are responsible to contact us immediately. You also agree to change your login information, to deny a third party’s access to your banking information. 

If you authorize another person to use your login information for electronic access to your account(s), that person can use a credit union service to perform any function that you may perform. Use of your login information by you or by any other person with your authorization will be considered the same as your written signature authorizing us to complete any transaction or request communicated through the service. 

Liability for Unauthorized Access: You are responsible for all transfers you authorize under this Agreement. If you permit other persons to use the Online Banking service, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us at once if you believe anyone has used your login information or accessed your accounts through Online Banking service without your authorization. 

If you believe that someone has used your login information or has transferred or may transfer money from your account without your permission, call the Credit Union at: 770-424-0060 or 800-541-8921 or write the Credit Union at: LGE Community Credit Union, P.O. Box 1188, Marietta, GA 30061. 

Availability: Services are accessible seven days a week, twenty-four hours a day. If we schedule downtime for maintenance, we will notify as warranted. We will attempt to post notices in case of unscheduled downtime but circumstances may prevent such notice.  

Alerts: By accepting this agreement, you recognize that Online Banking Alerts relative to your accounts are provided as an informational courtesy only. Online Banking Alerts are not provided as a real time mechanism to aid you in maintaining your account. Any fees incurred as a result of solely relying upon the alerts system for an updated account status are the responsibility of the account owner(s). 

Transactions: Transactions you perform via the Services will be reflected on your monthly statement. If you agree to receive eStatements and need a printed copy of your statement, contact us with the contact information listed at the end of this agreement. We continually add, change, and delete features from Online Banking. These changes are determined by our needs and the needs of the Online Banking users. The following list serves as an example of some of the features that are available. 

Account Access 

  • Review account balances and transaction history
  • Transfer funds between your accounts and make loan payments
  • Transfer funds to savings, checking or loan accounts of other members whom have given you express   


  • Schedule one-time or recurring transfers in the future or stop payment requests
  • View, save or print account statements, check copies, or tax notices
  • Open additional share or apply for a credit card or loan products
  • Review LGE Credit Card balances, transactions and statements
  • Make a transfer payment from an LGE savings or checking account to your LGE Credit Card
  • Set up e-mail notifications and alerts based on account balances, completed transfers, cleared checks, etc. 
  • Export transactions to Quicken or a .CSV file
  • Submit address, phone or e-mail changes
  • External Transfer (allows you to schedule one-time transfers between LGE and other financial institutions.) Transaction limit can be imposed at our discretion.
  • Bill Pay (allows you to pay an unlimited number of bills online.) Standard delivery of bills is free. Expedited options will incur charges
  • Mobile Banking (some restrictions of access, carriers, and additional fees may apply not instituted by the credit union



Online Privacy Policy and Confidentiality Policy:

This Online and Mobile Banking Privacy Policy (“Privacy Policy”) describes the types of personal information that is collected by LGE Community Credit Union (“LGE,” “we,” “us,” “our”) in connection with our online and mobile banking applications and related services offered by LGE. This Privacy Policy is intended to supplement the disclosures in any Privacy Policy that you may have already been presented by us in connection with online banking or other services.

Data Collected

LGE may collect certain personal information and data from you and your device to provide you the Services, including as follows:

Personal Information


Application Information

Monitoring performance of the application using crash logs and diagnostics to improve the Services

Device ID

Validating identity and preventing fraud

Financial Information

Providing account and transaction services using account IDs and card numbers


Providing location-based services like locating service points, and preventing fraud

Personal Identifying Information (PII)

Validating identity and processing requests using name, address, and phone number


Processing mobile deposits using images of checks


Validating identity and processing transaction requests



It is our general policy to treat your personal information as confidential.  However, we will disclose information to third parties about your account or the transactions you make in the following situations:

  • Where it is necessary to complete transactions;
  • Where it is necessary to provide you additional third-party services that you request;
  • In order to verify the existence and condition of your account to a third party, such as a credit bureau or merchant;
  • In order to comply with legal process, government agency or court order;
  • If you otherwise give us specific permission


Data Retention and Security

LGE will retain, protect, use and share personal information collected through the Services about you as long as it is reasonably required for the purposes described in this Privacy Policy, and as required by law, including but not limited to for risk management, regulatory compliance, and audit purposes. All personal information and data collected by LGE is encrypted, retained, and deleted using security measures, designed to protect your information from unauthorized access and use, and that comply with government regulatory guidelines and LGE policy.


We may amend this Privacy Policy at any time by posting a revised version. The revised version will be effective immediately at the time it is posted unless a delayed effective date is expressly stated therein. You may (in our discretion) also be provided with an email notification of such amendments. If we make any change in how we use your personal information, we will notify you by email or by means of a notice in the mobile application prior to the change becoming effective. You may (in our discretion) be required to affirmatively acknowledge or accept the revised Privacy Policy in order to continue using the Services. Any use of the Services after a notice of change will constitute your express agreement to such changes.


Please contact LGE Community Credit Union at 770-424-0060, or, regarding questions about the information included in this Privacy Policy or questions about the Services.

You can also access LGE’s full Privacy Policy at:

Acts of Nature: We are not liable for failure to account access, if such failures are outside of our control, including but not limited to acts of nature and other situations as required by us or Federal or Local law.  

eStatements and Notices: When you register for Online Banking, you consent to receive your periodic account statements online through our eStatement service from this point forward and notify you via e-mail that your statement is ready for viewing. You have the option to download or print the documents for future reference. eStatements and notices are accessed by signing on to Online Banking and clicking on the “Account & Statements” widget. You will be able to access statements and other documents online for a period of 24 months. 

We will stop sending paper statements on this account unless you notify us that you no longer

wish to receive e-tatements; however, you can always request a special copy of the statement be created for you.


Paper Copy: You have the right to receive a paper version of a periodic statement, disclosure, and notice required by federal and state regulations upon request. There may be a fee for requesting any paper copy of an electronic statement we have previously provided to you. Refer to our Schedule of Fees. 

Fees And Charges: There is currently no fee for the Service or termination thereof. However, Credit Union reserves the right to impose fees or to subsequently change any fee structure with or without notice as required by law. 

Your Right to Terminate: If you decide to withdraw your consent to do further business electronically with us, the legal validity, and enforceability of prior electronic disclosures will not be affected.  You may cancel at any time for no fee by visiting the mobile banking app, clicking on Settings/Delete Account and following the instructions on the screen.  Depending on when the request for cancellation is received, we will attempt to cancel all electronic transactions and electronic notifications within 24 hours. Once electronic services are terminated, we will begin mailing your paper disclosures, notices, and periodic statements required by federal and state regulations to you via the U.S. Mail. 

Our Right to Terminate: You agree that we have the right to terminate or limit your electronic services at any time and for any reason at our discretion. Once electronic services are terminated or limited, we will begin mailing your paper disclosures, notices, and periodic statements required by federal and state regulations to you via the U.S. Mail. We reserve the right to block access to any of your services in order to maintain security. 

We may terminate your use of Online Banking if you or any authorized user of your account/password breaches this or any other agreement with us; or if we have reason to believe there has been unauthorized use of your account or password. 

You or any other party to your account can terminate your use of Online Banking by calling or writing to us. However, termination of the system will not affect the rights and responsibilities of the parties under this Agreement for transactions initiated before termination.

Our Right to Change: You agree that we can amend, supplement, change, or discontinue any of these terms and disclosures at any time.   If you continue to use the Service after any such change, you agree to the change. If you do not agree to a revised version, you must terminate your electronic consent as set forth above. 

E-mail Address: A valid e-mail address is needed to receive e-alerts, e-notices, and disclosures, Online Banking.  It is your responsibility to ensure we have a valid e-mail address at all times in order for us to send electronic communication to you.  If you change your e-mail address, you agree to change your E-mail address appropriately with us.  You understand and agree to keep your current E-mail address updated. Failure to do so may adversely affect our electronic communications to you. 

If electronic notifications from the Credit Union are undeliverable, you agree that Online Banking access will be restricted and the delivery method for account statements, disclosures, and notices will be reverted to paper format. To prevent a disruption in services, it is your responsibility to ensure your information with the Credit Union is accurate. 

Account Information Available: Online Banking maintains 24 months of transaction history online for all accounts. Your Current or Available account balance, transaction, or history information is limited to available information. Many transactions are beyond the Credit Union’s control as they are requirements of the payment networks that your transactions are processed through via the merchants with whom you choose to do business. 

Security & Hardware: After receiving your Online Banking password/access code from us, you agree to change your password/access code immediately when logging on to Online Banking for the first time. You agree not to give or make available your password for any Credit Union electronic service to any unauthorized individuals.  

Online Banking requires internet access and a Web browser capable of HTTPS encrypted connections. If you receive eStatements, you will need software capable of rendering PDF files and an active e-mail account with functioning e-mail software. Online Banking is operating system neutral. Currently Online Banking is optimized for use with:

  •         Current Internet Explorer or 1 previous version
  • Current Firefox or 1 previous version
  • Current Google Chrome or 1 previous version
  • Current Safari or 1 previous version
  • Current Adobe Acrobat Reader or 1 previous version (for viewing eStatements)
  • JavaScript must be enabled for the application to function optimally, if JavaScript is disabled certain   

          features and functions will not work

We reserve the right to change software requirements as needed. Under normal conditions, we will provide notice of such software requirements before the need is mandatory. However, if conditions warrant, we reserve the right to make changes immediately without notice. 

Service Interruptions: We may perform maintenance on our systems from time to time, which may result in interrupted service. We will attempt to provide prior notice of such interruptions and changes but cannot guarantee that such notice will be provided. You agree that we will not be liable to you if our Online Banking system is delayed or unavailable at any time.  We make no warranty to you regarding your equipment or the software including fitness for a particular purpose.

Preventing Misuse: Protect your Online Banking Password - The password that is used to gain access to Online Banking should be kept confidential. For your protection, we recommend that you change your Online Banking password regularly. It is recommended that you memorize this password and do not write it down. You are responsible for keeping your password, account numbers, and other account data confidential. 

You agree to: (a) change your Password immediately upon accessing Online Banking for the first time; (b) comply with the User Guide and all security procedures we provide to you in connection with the Services; (c) take reasonable steps to safeguard the confidentiality and security of the User ID and Password, User Guide information, and any other proprietary property or information we provide to you in connection with the Services; (d) limit access to your User ID and Password to persons who have a need to know such information; (e) closely and regularly monitor the activities of employees who access the Services; (f) take the necessary steps to delete a user if they are no longer employed by you or are no longer authorized to use the Services; and (g) notify us immediately if you have any reason to believe the security or confidentiality required by this provision has been or may be breached. 

We may also require you to change your Username and/or Password at any time. We may deny access to the Services without prior notice if we are unable to confirm (to our satisfaction) any person’s authority to access the Services or if we believe such action is necessary for security reasons. 

Changes to Your Contact Information: You are responsible to keep us informed of any change in electronic or mailing address. You can update your contact information through Online Banking at, by visiting a branch, or contacting us at our principal address found at the end of this Agreement regarding any such changes. 

Inappropriate Transactions: You warrant and agree that you will not use any Online Banking or any other Credit Union Accounts or Services, including but not limited to loans, to make or facilitate any illegal transaction(s) as determined by applicable law; and that any such use, including any such authorized use, will constitute a breach of this Agreement.  Certain federal and/or state laws or Card Service Providers’ Rules may limit or prohibit certain transactions such as (but not limited to) those coded as possible gambling transactions. The Credit Union may decline to accept, process or pay any transaction that we believe to be illegal or unenforceable (regarding your obligation to pay us or otherwise) under applicable law; or which is otherwise limited or prohibited, including but not limited to any transaction involving or relating to any gambling activity. Such prohibition or limitations may affect some otherwise proper or allowable transactions such as debits, charges or other transactions at or relating to a hotel-casino. You understand and agree such limitations/prohibitions are not within the Credit Union’s control and that the Credit Union will not have any liability, responsibility or culpability whatsoever for any such use by you or any authorized user(s); or for declining to accept, process, or pay any such transaction.  You further agree to indemnify and hold the Credit Union harmless from any suits, liability, damages or adverse action of any kind that results directly or indirectly from any such use of your account and/or access devices. 

Limited Liability: We will not assume liability for non-receipt of e-alerts regarding account information, disclosure, or e-notice availability, due to but not limited to the following reasons:  The e-mail address on file is invalid.  Your e-mail or Internet service provider filters the notification from your Inbox (e.g., considers it “spam” or “junk mail”).  There is a malfunction in your personal computer or phone browser and/or software. 

Indemnification: Except to the extent that we are liable under the terms of this Agreement or an agreement that otherwise governs your account, you agree to indemnify and hold us, our directors, officers, employees and agents harmless from all loss, liability, claims, demands, judgments and expenses arising out of or in any way connected with an account or the performance of Online banking and corresponding online services. 

Governing Law: This Agreement is made in Georgia and shall be construed and governed by the laws of the State of Georgia, without regard to its conflicts of law’s provisions and to the extent that Georgia law is not inconsistent with controlling Federal Law. 

Your ability to access disclosures:  By completing and submitting your request, you acknowledge that you can access the electronic disclosures in the designated formats described above.

Consent: By completing and submitting your request, you consent to having all disclosures provided or made available to you in electronic form and to doing business with LGE Community Credit Union electronically.  You agree to the same terms that apply to a signed application or agreement; and you agree that submitting this consent or accepting these terms constitutes your signature as though it were physically signed by you. If there is a co-applicant or user, you represent and warrant that such co-applicant or user has authorized the submission of this application. This electronic submission/consent qualifies as your signature for all purposes and uses whatsoever.

 Principal Address and Telephone:

LGE Community Credit Union

P.O. Box 1188

Marietta, GA 30061

770-424-0060 or 800-541-8921