Holiday Closing Reminder
LGE will be closed on Thursday, Nov. 22 and Friday, Nov. 23 in observance of Thanksgiving.

Checking

Choose the LGE account that fits you best: High Rewards Checking, Simply Checking, or a Free Youth Checking account for members ages 16–17.

High Rewards Checking

Gold Gift Box With Stars

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 2% cash back on credit card purchases***

• Unlimited Non-LGE ATM refunds

Get these benefits:

  • Pays 2.00% APY**
  • 2% cash back checking reward on purchases made with an LGE 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.
*** November 1 – December 31, 2018 (“promotional period”), cash back checking reward increases to 2% and is based on your LGE Credit Card net spend. After promotional period the percentage returns to 1%. Net spend consists of 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. Cash back checking reward is 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 checking reward. LGE Credit Card must be on the same account as your High Rewards Checking to be eligible for the cash back checking reward. This benefit is available when High Rewards Checking qualifications are met; ask our staff or visit the Checking webpage for details. Cash back checking reward percentage is variable and subject to change without notice.
**** 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
  • Mobile wallets 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

Still looking for answers?

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