1: Memberline is an audio response system used to access your LGE accounts 24 hours a day, 7 days a week using a Touch-Tone® telephone. A personal access code is required.
Home Banking allows access to your LGE accounts 24 hours a day using a personal computer. Log on to www.LGEccu.org and click the Home Banking login graphic. A password is required.
2: You would need to be an LGE member and keep a minimum savings balance of $5.00. Once you receive or set up your Memberline access code and Home Banking password, you will be allowed full privileges to both services. In order to access Home Banking you must agree to LGE's online disclosure ("eDisclosure"), which will be presented to you as a pop-up when logging into Home Banking.
3: Members are automatically set up with full access to Memberline and Home Banking, which includes inquiries, transfers, and withdrawals. If you cannot remember your access code or password, contact us at 770-424-0060 or 800-541-8921 .
4: Yes. Your financial data can be exported into Quicken or Microsoft Money software. Simply log on to Home Banking and choose "Quicken Download" from the top toolbar. A link for troubleshooting tips is also available.
5: Yes. We strongly encourage you to change your Home Banking password the first time you log on to your computer. Change your password frequently. To change your password in Home Banking click on the "Profile" button and choose "Change Password", then follow the directions. Remember that alpha characters are case sensitive.
We also recommend that you change your Memberline access code, too. To change your Memberline access code select the “New Access Code” service ID on the Memberline Menu.
6: If the LGE page is down you can access Home Banking by going to this address: www.myLGEccu.org and clicking on the Home Banking link. If Home Banking itself is down for maintenance you will be unable to access it at all for the duration of maintenance. You can also use the alternative link to access our Web Bill Pay site as well.
7: Yes. When you are transmitting information to a secure page, even if it is from an unsecured page, the information is encrypted for your protection.
8: LGE has implemented state-of-the-art technology and is committed to online security. The confidentiality of your accounts is maintained as the data is passed from our Home Banking server to your personal computer in an encrypted format using SSL technology, where your browser then decodes the information for you to view. LGE has also installed secure firewalls and intrusion detection systems to ensure that no unauthorized access is permitted.
9. The computer uses various criteria to determine if a security breach may be occurring. Should it appear that someone other than you is attempting to access your account, LGE will pop up a personal verification question to make sure that it really is you and not an online criminal.
10. No. You will only be prompted with a challenge question if fraudulent access is suspected. However, some users may be asked challenge questions more often than others, depending on how their connection is set up with their internet provider.
11. Yes. The Federal Financial Institutions Examination Council (FFIEC), a guidance agency for financial institutions, released direction to financial institutions to provide security beyond usernames and passwords for all online channels. LGE has implemented this type of security, called multifactor authentication, to secure your accounts beyond the usernames and passwords that you normally use. After May 1, 2007 you will not be able to access Home Banking without registered challenge questions and answers on file.
12. LGE’s Home Banking will prompt you to supply personalized answers to a number of challenge questions. An example of a challenge question might be, "What was the name of your best friend in High School?"
13. Contact our Account Services Consulting Center at 770-424-0060 or 800-541-8921, ext 311. We can reset your questions and answers for you after verifying your identity.
14. Each account can only have one set of challenge questions and answers. If you do have a joint owner on the account, be sure that he or she knows the challenge questions and answers that you have selected to protect your account. Treat your challenge questions and answers as you would any password.
15: The following inquiries and transactions are currently available through Memberline using a Touch-Tone® phone. (The list may be changed from time to time.)
Share balance; share list; loan list; loan payment inquiry; loan balance; loan payoff amount; draft number inquiry; deposit history; share history; loan history; Visa® credit card information, including balance, last payment, credit limit, available balance, history and payment address; Visa® credit card payments; report lost/stolen Visa® credit card; activate Visa® credit card; IRA contribution; dividends paid; interest paid; share to share transfer; line of credit to share transfer; share to loan transfer; share withdrawal; line of credit advance; change transaction list count; draft history; ATM history; ACH history; payroll history; loan payment history; mortgage loan payment inquiry; draft number range; new access code
The following inquiries and transactions are currently available through Home Banking using a personal computer. (The list may be changed from time to time.)
Savings, checking, share, and loan balances; list of open shares and loans; share and loan balance as of a date; Quicken download; recent payroll and deposit transactions; share deposit history; loan history; recent check clearings; recent ATM, ACH, payroll, and loan payment transactions; savings, checking, and share withdrawals; line of credit advances; savings to checking, checking to savings, share to share, line of credit to savings, line of credit to checking, line of credit to share, savings to loan, checking to loan and share to loan transfers; check number inquiry; loan payoff amount inquiry; loan advance totals; dividend and interest information; Visa® credit card information; Visa® credit card payments; change password; update address, phone, and email; mortgage payment transfers
16: No. These services are free to LGE members.
17: Change your password frequently. You are the key to safeguarding the confidentiality of your accounts. You are issued a temporary password that you will be asked to change when logging on for the first time. You should select a password that you can easily remember, but that no one else would likely guess; for example, do not select your date of birth, address, or a family name. Never reveal your password to any unauthorized user. Always change your password immediately if you think that it has been compromised.
We also advise that you exit the Internet by closing your browser (such as Netscape or Internet Explorer) after ending your Home Banking session before moving to other areas of our website or the Internet. Do not walk away from your computer in the middle of an active Home Banking session. If you are logged on and walk away, anyone can sit down to your computer and have immediate access to your account(s). Always remember to log off when you are finished with your session.
For maximum security when viewing your account information, LGE strongly recommends that you use a browser with 128-bit SSL encryption. After you leave your LGE online session, we recommend that you clear your browser’s cache. This prevents someone else from being able to view your account information that is temporarily stored on your computer. You can clear your cache by closing down your browser and then re-initiating it or you can clear your cache, without closing your browser, by using the instructions provided in your browser’s online help system or your browser’s preferences menu.
18: Log off of your session and attempt to log on again. If this still continues to display follow the instructions below:
Internet Explorer 5.0, 5.5 and 6:
Go to the Tools menu and select Internet Options. Then click on Delete Files. At the next box that appears make sure that the Delete All Offline Content box is checked then click OK. (This will delete all Temporary Internet Files created by Internet Explorer from your computer.) Then try accessing our Home Banking site again.
Netscape Communicator 4.7x or 7.0:
Go to the Edit menu and select Preferences. When the box appears select Advanced then Cache. You will need to clear both the Memory Cache and the Disk Cache. (This clears all Temporary Internet Files created by Netscape from your computer.) Then try accessing our Home Banking site again.
AOL 8.0:
In AOL 8.0, go to Keyword: PREFERENCES. Click Internet Properties (www) from the Organization column. In the AOL Internet Properties window on the General tab, click on the "Delete Files..." button. In the pop-up window, check the "Delete all Offline Content" check box and click OK. Next, click on the "Settings..." button. In the Settings window, make sure that "check for newer versions of stored pages" is set to "Every visit to the page" and click OK twice.
19: This is a feature of your Internet Browser called Auto-Complete. The instructions below will tell you how to clear out saved access codes/passwords and to make sure it doesn’t ask you to save it again. Please be aware that if you wish to keep Auto-Complete on, you run the risk of having your computer save the password again and/or having anyone else at your computer being able to access your account.
Internet Explorer 5.0, 5.5 and 6.0:
Go to the Tools menu and select Internet Options. Go to the Content tab. Click on Auto-Complete. From here you can disable (uncheck) the option for Auto-Saving the access codes/passwords and you can also clear out currently saved access codes/passwords by selecting Clear Passwords and Clear Forms.
Netscape 4.7x does not automatically store access codes/passwords for sites.
Netscape 7.0:
To completely disable stored passwords go to the Edit menu and select Preferences. Go to the Privacy & Security tab and then select Passwords. Deselect Remember Passwords.
To remove the password for just the Home Banking site go to the Tools menu and select Password Manager and then select Manage Stored Passwords. From here you can remove just your Home Banking password and also tell Netscape to never store the Home Banking password.
20: This is due to the fact that the Home Banking site uses Cookies in order to track each user. You must have Cookies enabled in your browser in order for you to use Home Banking. Please click here to find out how to enable cookies.
21: Cookies are little files used by the Home Banking server to help us verify that we are pulling the correct account information. You must have Cookies enabled in your browser in order for you to use Home Banking. Please follow the instructions below to enable cookies on your computer.
In Microsoft Internet Explorer 5, go to the Tools menu and select Internet Options. Click on the Security tab. Highlight the Internet zone and click on the custom level button. Scroll to the section labeled "Cookies". Make sure the options "Allow cookies that are stored on your computer" and "Allow per-session cookies" are enabled and click OK twice.
In Microsoft Internet Explorer 6, go to the Tools menu and select Internet Options. Click on the Privacy tab. Move the slider down to the level of "Accept all cookies" and click OK.
In AOL 8.0 , go to keyword: PREFERENCES. From the organization column, click "Internet Properties (www)". In the AOL Internet Properties window, click on the Privacy tab. Make sure the slider is set to the "Accept all cookies" option and click OK.
22: Our Home Banking service uses cookies in order to access your account. In some cases cookies may not be allowed and as a result Home Banking always redirects you to a page with two options, one for Home Banking and one for Web Bill Pay. This happens after you put in your correct account number and password. In order to fix this you will need to enable cookies.
Please click here to find out how to enable cookies.
23: As far as browsers are concerned, we can only support what our core processor (Symitar) supports. However, many people are able to use Home Banking with unsupported browsers by making sure that the browser is configured to work with the Home Banking product.
Supported browsers for Home Banking are:
Windows -
IE 6.0 with Service Pack 2
Firefox 5
Netscape 7.2
MAC -
Netscape 7.2
Home Banking does not operate with the following browsers:
AOL
Web TV
MAC running Internet Explorer
MAC running Safari
Why does Safari (for MAC) not work with Home Banking?
The software that runs the credit union will only support certain browsers because it has to certify them. They have not currently certified Safari to work with Home Banking, but they are working on it. Some members are able to use Safari with our Home Banking. If you are having trouble please check the security settings of the Safari browser.
24: If you receive an SSL error message, please ensure your browser supports 128 bit SSL or upgrade your browser to a newer version.
Internet Explorer has the Help/About menu that shows the level of security.
25: Yes. Web Bill Pay is a convenient service that provides LGE members with a method to pay bills using the Internet, 24-hours a day. To enroll online, log in to Home Banking and click on the Bill Payment tab. Web Bill Pay service is free. If you have questions regarding the service, call the Account Services Consulting Center (ASCC) at 770-424-0060 or Web Bill Pay's member service line at 888-918-7405 for assistance.
26: What are the System and Browser Requirements for Web Bill Pay? (Revised March 2007)
Microsoft Windows:
• Internet Explorer 6.0 and 7.0 (Windows XP)
• Mozilla Firefox 1.5 and 2.0 (Windows XP)
Macintosh:
• Safari 2.0 (OS X 10.4x)
• Mozilla Firefox 1.5 and 2.0 (OS X 10.3x)
(The new features included in the Web Bill Pay release will not display for users of Macintosh Safari 1.3 and older. Users should download Mozilla Foxfire 2.0 for free.)
Browser Options:
• JavaScript must be enabled for the application to function optimally
Screen Resolution:
• 800 x 600 VGA or 1024 x 768 VGA
• Windows Display Properties Settings should be 96 dpi (Windows default)
• Browser text size should be Medium
Blocked Browsers:
The following browsers are programmatically blocked from use because the browsers affect the ability to successfully make a payment using Web Bill Pay:
• Microsoft Windows: CompuServe (Win 98, Win 2000, XP)
• Macintosh: Microsoft All IE
Macintosh Screen Capture:
Apple/Shift/3 – Captures the entire screen
Apple/Shift/4 – Click and drag the pointer and release mouse button to capture a portion of the screen.
Links for browsers:
http://www.apple.com/support/downloads/
http://www.mozilla.org/download.html
Note: AOL 9.0 will still work but is not a browser supported by Web Bill Pay.
27: You can import transaction information to Quicken 2006 or earlier versions. Effective July 7, 2005, Web Bill Pay does not support Microsoft Money downloads.
Quicken only supports the most recent 3 years. Therefore, on April 30, 2008, Quicken will drop support for Quicken 2005. From then on we will only be able to support downloads from Quicken 2006, 2007, and 2008. So if you are still using Quicken 2005, please be sure to upgrade before April 30, 2008.
Quicken is an Intuit software product used for home accounting. Intuit no longer provides support for the QIF format. As a result, LGE no longer supports the QIF format or is able to assist with this application. We recommend that you use the newer OFX (Open Financial Exchange) format, since there may be no help available through Intuit if you encounter problems with the QIF format
If you upgrade to a new version of Quicken, you can find information on how to convert from QIF to OFX here .
The Microsoft Money program also uses the OFX file format.
28: With the Account Number Masking feature, only the last five digits of the payment account are displayed. This new security feature will allow you to associate a Name with your payment account. Effective 7/7/05, you will be able to go to the "My Accounts" screen where the full account number is displayed. Here you can "Update the Name" of your account so it can be easily identified in the drop down box list on the Payment Center when you schedule your payment. The drop down list will show the first 10 characters of the Name and the last 5 digits of your account number.
29: From the LGE website, chose the eStatements option from the Online Banking tab, or simply click here .
30: Single Sign-On is a service that allows you to only use one password for Home Banking, eStatements and Web Bill Pay. All you need is your account number and current Home Banking password to utilize all three online services.
31: If you have forgotten your Home Banking password e or need to establish one, please contact our Account Services Consulting Center at 770-424-0060 or 800-541-8921.
32: If you are using a bookmark to access eStatements and Web Bill Pay, you will notice that these links no longer work. Due to Single Sign-On, you will not need to use separate links to access eStatements and Web Bill Pay. These services can now be accessed via the Home Banking page.
33. There can be several reasons for this message. The first answer is the simplest and has been the answer in many cases.
Check the date on your computer. If it is too far off from the real time, the computer thinks that the certificate is not yet valid, or has already expired.
Since we have added extra security to the Home Banking site using the Digital Resolve AuthGate product, it has its own security certificate that must be accepted. That is why you are being prompted to accept a certificate at that screen.
This mainly happens with browsers other than Internet Explorer. It has to do with the way different browsers handle certificates for websites. Within the last few months several of the Certificate Validation sites, such as Verisign and Thawte have changed the verification procedures to add an intermediate certificate. Without going into a lot of detail, Internet Explorer doesn't complain about this extra step, but many other browsers do. On your first visit to a secure website using Firefox, you will probably get the "expired or is not valid" message.
34. Depending on your connection speed to the internet, you may sometimes see this message. All that is happening is that the Authgate (multi-factor) product is talking to the home banking server and passing it their login information. That is the reason for the slight delay. You can either wait or click the Continue button.
35. Glossary of Technical Terms
Certificates - When you connect to a commerce website, such as a bank or bookseller, web browsers use a secure connection that uses Secure Sockets Layer (SSL -provides security for internet websites) technology to encrypt the transaction. The encryption is based on a certificate that provides the information it needs to communicate securely with the website. Certificates also identify the website and owner or company.
Cookies - Tiny files websites can store on your computer to flag your browser
HTML - Hyper Text Markup Language; the programming language used to create Web pages. It controls the content, layout, pictures, and colors on a page.
Internet Service Provider (ISP) - an Internet Service Provider is providing the customer with an access point to the internet. This can be in the form of dial-up, DSL, cable and others. It is strictly a method of accessing the content on the internet.
IP Address - Whenever a computer connects to a network or the internet, it is given an identifying address. It is called an IP (internet protocol) address.
Online Service Provider (OSP) - an online service provider is a company that only provides access to its own network on the internet. AOL, Compuserve and Prodigy are examples of OSP's. If you are a subscriber to one of these services, you are accessing only their network, not the internet as a whole.
Pop-up - New browser window that opens without your control to usually to present advertising.
Search Engine - A website with a database of Web pages.
Spyware - A broad term that refers to several types of programs which invade your privacy on the Web.
Home page - The Web page that loads automatically when you are connected to the Internet and open your Web browser.
Top Level Domain - The last component of a domain name. Common TLDs include .com, .com, and .org.
URL - Universal Resource Locator
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