LGE Community Credit Union and Ascend Federal Credit Union have announced plans to merge. Learn more.
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- About LGE Community Credit Union
Welcome to LGE
Welcome to LGE Community Credit Union!
We’re so glad you’re here. Whether you’ve been a longtime GCB member or just joined recently, we’re honored to continue serving you as part of the LGE family.
LGE has proudly served our communities for over 70 years with smart products, expert guidance, and personal service that puts people first. Now, we’re excited to bring those same values (and even more possibilities) to your financial journey.
On August 4, 2025, GCB officially becomes LGE. Here, you’ll find everything you need to know about what’s changing, what’s staying the same, and what to expect next.
Welcome to a smarter way to bank.
Important Updates
Do you have a vehicle loan?
Proof of insurance is required for all auto, boat, motorcycle, and recreational vehicles such as campers, fifth wheels and travel trailers. Please reach out to your insurance agent to discuss our requirements and provide your proof of coverage effective August 4, 2025.
The following coverages must be included with your policy:
- Full comprehensive and collision coverage is required for the entire loan term
- Maximum deductible cannot exceed $1,000
- LGE Community Credit Union must be listed as loss-payee/lienholder
- Proof of coverage must be sent to any one of the following
Email to:
lgeccu@myloaninsurance.com
Fax to:
1-877-853-7687
Upload to:
www.myloaninsurance.com/lgeccu
Mail to:
LGE Community Credit Union
PO Box 1188
Marietta, GA 30061-1188
Debit Cards & Checks
- You’ll receive a new LGE debit card in late July.
- Your GCB debit card will stop working on August 4.
- You can activate & begin using your new LGE card on August 4.
- If you’ve set up recurring payments with your current debit card, be sure to update your payment info with the new card details.
- Your existing checks will work until January 1, 2028, when GCB’s routing number is retired.
Online & Mobile Banking
- GCB mobile app will be unavailable starting August 1.
- You’ll begin using LGE’s online banking and mobile app on August 4.
- Your username will stay the same, but you’ll need to create a new password.
- Online banking transfers from other financial institutions will complete on the third business day from initiation.
Download the LGE Mobile Banking App (Apple)
Download the LGE Mobile Banking App (Android)
Loan Payments
- ePayments will be available in online and mobile banking, including the ability to pay by text.
- GCB’s current loan payment platform (Repay) will no longer be available on August 4.
- You can use LGE’s Guest Pay service for one-time payments by debit card or ACH here. Convenience fees may apply.
- If you pay your loan from another bank’s bill pay or through ACH, no action is needed yet. However, the GCB routing number will retire on January 1, 2028.
- You’ll now be able to make commercial loan payments at any LGE branch.
Statements
- Your new LGE account statements will be delivered on a consistent monthly schedule.
- You’ll have access to 12 months of past GCB deposit account statements after the transition.
- eStatements will be available in online banking, or you can request paper statements.
Answering Your Questions
Got more questions? We're here to help!
For questions about your move from GCB to LGE, call our dedicated transition support line at 770-424-0060, then follow the prompts.
- Will my account numbers change?
No – the account numbers for your individual products (checking, savings, etc.) will stay the same!
You will be assigned a new member number, which identifies you as an LGE member and allows you to add more products to your membership in the future.
You can find your new member number by logging into LGE online banking and visiting Settings > Profile, by giving us a call at 770-424-0060, or by visiting your nearest branch.
- Will I get a new card?
Good news: if you have a GCB debit card, your new LGE debit card will be on its way soon!
GCB debit cards will stop working on August 4, 2025.
• When you receive your LGE card, hang onto it until August 4 – that’s the day you’ll be able to activate and start using it. Activation instructions will be included with your card.
• If you’ve set up any recurring payments using your debit card, be sure to update your card info with the payee so your payments keep going through without a hitch.
- Will my direct deposits and automatic payments continue?
Yes! If you already have deposits or payments scheduled, no action is needed right now. These will continue to process after August 4.
However, the GCB routing number will retire in February 2026, so be sure to update your payment info by then.
- Will my online banking transfers still work the same way?
Yes, you can continue to make online banking transfers between LGE and other financial institutions! Starting on August 4, transfers from other financial institutions will be completed on the third business day.
- How do I make my loan payments?
Consumer Loans
- Transfer from your LGE account using online banking or the Memberline automated phone banking system.
- Memberline is LGE’s automated phone banking system – check your balance, make transfers, and payments right from a phone call! Starting August 4, register for Memberline by giving us a call at 770-424-0060 to receive your access code. Then, access Memberline any time by calling 770-424-0060, selecting 1 then 2, then following the prompts.
- Use ePayments via online & mobile banking, you can use your debit card and/or external routing and account number to pay your LGE loan. With ePayments, you can also pay via text!
- Use LGE Guest Pay for one-time payments via debit card or ACH here. A convenience fee applies; see LGE’s Fee Schedule for details. (Note: GCB’s current Repay system will be discontinued on August 4.)
- Pay by phone by calling 770-424-0060. A convenience fee applies; see LGE’s Fee Schedule for details.
- Send payment by mail:
LGE Community Credit Union
P.O. Box 1188 | Marietta, GA 30061-9974 - Use a bill pay service from another institution.
- Stop by any LGE branch – view a full list of locations here.
- Use an LGE ATM: All branch locations are equipped with ATMs available 24/7 for your convenience. We also partner with a shared network of 48,000+ ATMs.
Commercial Loans
- Starting August 4, you can make payments for your commercial loan at any LGE branch.
- If you have an SBA loan, you’ll keep making payments the same way you do today.
Mortgage Loans & HELOCs
- If you have a GCB mortgage or HELOC, you’ll keep making payments the same way you do now – no changes for now.
- You’ll still be able to pay via ACH or other existing methods.
- Starting August 4, you can also make payments for your mortgage or HELOC at any LGE branch.
- Transfer from your LGE account using online banking or the Memberline automated phone banking system.
- Will my loan terms or interest rates change?
No, your loan terms, interest rates, and due date will all stay exactly as they are now. If you have automatic payments in place from another institution, you do not need to make any changes at this time.
However, remember to update all recurring payments and deposits with LGE’s routing number – 261171480 – before February 2026.
- Can I still use my existing checks?
Yes - for now! Because your checking (MICR) number will stay the same, you can use your checks until the GCB routing number is retired in February 2026. To continue using checks, make sure to order new checks through online banking, in branch, or by giving us a call at 770-424-0060 by February 2026. Members aged 60 and over are eligible for one free box of standard design checks for each of their checking accounts. Shipping fees apply.
- What happens if I overdraft?
Your current overdraft elections will stay the same: if you’re opted into overdrafts with GCB, you’ll be opted into Courtesy Pay (our standard overdraft practice) with LGE! For even more details, please see Membership Agreement & Disclosures section “AVAILABLE BALANCE, POSTING TRANSACTIONS, AND OVERDRAFT.”
Courtesy Pay (standard overdraft practice) LGE pays your overdraft (up to a predetermined limit) Courtesy Pay is used only after other overdraft options have been used. No more than 3 Courtesy Pay fees will be assessed per day. To see all fees, refer to the mailed Fee Schedule. Overdraft protection plan LGE automatically transfers your own funds to pay your overdraft Setting up an overdraft protection plan from your savings or personal line of credit (Quick Cash) can often save you money compared to incurring Courtesy Pay or NSF fees. Returned/ declined payment Your transaction or payment is declined, resulting in a non sufficient funds (NSF) fee Any returned items may result in additional fees being charged to you by the merchant/payee. These MAY BE COVERED as a part of our standard overdraft practices, even if you don’t opt in:
• Checks and other transactions using your checking account number
• ACH paymentsThese are DECLINED unless you opt in:
• ATM transactions
• Everyday debit card purchasesYou must opt into Courtesy Pay if you’d like us to cover these transactions when your balance is too low. If you don’t opt in, these transactions will be declined when funds aren’t available.
You can opt into or out of Courtesy Pay by visiting your nearest branch, giving us a call at 770-424-0060, or sending a secure message through online banking.
- What terms and fees are changing?
While we encourage you to review the new combined Agreement, as it replaces previous account agreements for consumer deposit accounts and commercial deposit accounts, we are pointing out a few notable sections that may affect your membership. First, for business account members we have two areas to note: (1) under the section entitled, “If You Carry Special Insurance for Employee Fraud/Embezzlement (Business Accounts Only)”, if you carry special insurance, you will now be required you to make an insurance claim prior to submitting a claim with us; and (2) under the section entitled, “Electronic Funds Transfer Disclosure”, we have removed the electronic funds transfer consumer protection rights (as they were only intended for consumers). Next, for all members, we have updated the Dispute Resolution section, including updates to the arbitration provision.
Refer to your mailed Fee Schedule to view all fees. The Fee Schedules are also available in LGE online banking under Accounts > Fee Schedule.
- How will I access online banking?
Starting August 4, you’ll be able to log in to LGE online banking via our homepage or the LGE mobile app. You’ll keep your username – you’ll just need to update your password. If you have any questions or need help accessing online banking, give us a call at 770-424-0060, then follow the prompts.
- When and how will I get my statements?
You can view your statements anytime through LGE’s secure online or mobile banking! Logging into online or mobile banking automatically enrolls you in eStatements, which offer several benefits:
- Faster access to your statements each month
- Reduced paper clutter and environmental impact
- Easy, secure storage and retrieval whenever you need them
Prefer paper? No problem—paper statements are also available upon request.
Whether digital or paper, your statements will be available on a consistent schedule so you always know what to expect.
Statement Type When You'll Receive It What It Includes End-of-Month Statements
(Deposit & Loan Accounts)On or about the 1st of each month Activity from the previous month or your savings, checking, and loan accounts Credit Card Statements On or about the 26th of each month Activity from the previous billing cycle; payment due about 3 weeks later Quick Cash Statements On or about the 16th of each month Activity and balance details for your Quick Cash (personal line of credit)
- Will I still be able to access my past GCB statements and transaction history after August 4?
Yes! LGE will make 12 months of GCB deposit account statements — including check images & tax documents, like your most recent 1099-INT — available through LGE’s online banking. You’ll also be able to access your transaction history.
Your New Accounts
Your GCB accounts will automatically change over to the LGE accounts that best match how you already bank — no action needed on your part. Use this chart to see what your new accounts will be called at LGE & click the links to explore what each one includes.
Business Certificates, Savings & Money Market Accounts
| If you have this account... | Now, you'll have this account: |
| Greater Business Money Market Account | Business Money Market Savings |
| Greater Elite Comm Money Market Account | Business Money Market Savings |
| Greater Business Savings | Business Savings |
| Business Certificate of Deposit | Business Certificate of Deposit |
Business Checking Accounts
| If you have this account... | Now, you'll have this account: |
| Community Non-Profit Checking | Non-Profit Checking |
| Free Business Checking | Free Business Checking |
| Construction Checking | Free Business Checking |
| Greater Small Business Checking | Free Business Checking |
| IOLTA | Business Checking (IOLTA) |
| Greater Business Checking | Free Business Checking |
| Greater Commercial Checking | Growth Checking or Volume Checking*** |
***Greater Commercial Checking accounts with an Average Daily Balance (ADB) of $10K or greater will be converted into Growth Checking, and Greater Commercial Checking accounts with an ADB of less than $10K be converted into Volume Checking.
Personal Savings Accounts
| If you have this account... | Now, you'll have this account: |
| Greater Elite Money Market Account | Money Market Savings |
| Greater Personal Money Market Account | Money Market Savings |
| Premium Money Market Account | Money Market Savings |
| Greater Personal Savings (age 0-17) | Youth Savings |
| Greater Personal Savings (age 18-22) | Young Adult Savings |
| Greater Personal Savings (age 23+) | Savings |
| Health Savings Family | Health Savings Account |
| Health Savings Individual | Health Savings Account |
| Kasasa Saver w/ Cashback | Savings |
| Kasasa Saver w/ Cash | Savings |
| Certificate of Deposit | Certificate of Deposit |
| IRA Certificate of Deposit | IRA Certificate of Deposit |
Personal Checking Accounts
| If you have this account... | Now, you'll have this account: |
| Spirit Checking | High Rewards Checking |
| Construction Checking | High Rewards Checking |
| Greater Community Club (50+) | High Rewards Checking or Simply Checking |
| Community Rewards Checking | High Rewards Checking |
| Greater Interest | High Rewards Checking |
| InControl | Simply Checking |
| Kasasa Cash | High Rewards Checking |
| Kasasa Cash w/ Saver | High Rewards Checking |
| Kasasa Cash Back | High Rewards Checking |
| Kasasa Cash Back w/Saver | High Rewards Checking |
| Kasasa Tunes | High Rewards Checking |
| Spirit Checking | High Rewards Checking |
Construction Checking will be converted to High Rewards Checking if it is a consumer acct, and if they don’t already have an existing High Rewards Checking (only one HRC per SSN).
Construction Checking will be converted to a Business Free Checking if it is a business acct.
(*) Greater Community Club checking accounts will be converted to the High Rewards Checking account. High Rewards Checking accounts are limited one per social security number. If you already have a High Rewards Checking account, your Greater Community Club account will be converted to a Simply Checking account. Simply Checking accounts are non-dividend bearing and have no monthly maintenance fees for active accounts.
Credit Union Glossary
As a credit union, we pride ourselves on being different from the standard bank. That also means that we use different terms that you might not be used to seeing, so here's a short list of some new phrases you might come across.
We know there's lots of new information to learn — if you have any questions, don't hesitate to give us a call at 770-424-0060!
Credit Union
A credit union is a not-for-profit financial cooperative. That means we’re owned by our members (that’s you!) and focused on helping you, not making money for shareholders. We return profits to members through better rates, lower fees, and friendlier service.
Dividend
Instead of earning interest like at a bank, your savings at a credit union earn dividends. It’s basically the same thing — a little thank-you for keeping your money with us — but since you’re a member-owner, we call it a dividend.
Field of Membership
This is how credit unions refer to who's eligible to join. At LGE, anyone who lives or works in Bartow, Catoosa, Chattooga, Cherokee, Cobb, Dade, Douglas, Floyd, Fulton, Gordon, Murray, Paulding, Polk, Walker, and Whitfield counties is eligible to apply for membership, as are employees of many companies (we call those companies Partner Groups). Family members of existing members are also eligible.
Financial Education Center
The Financial Education Center, powered by KOFE, is LGE's free online education resource. With options like one-on-one coaching, budgeting tools, online courses & videos, the Financial Education Center makes it simple to build critical skills like budgeting, managing debt, understanding credit, and more. You can register for free & get started here.
Member
Everyone who banks with a credit union is a member, not just a customer. That's because you actually own a piece of the credit union and have a say in how it’s run. With credit unions, you're part of a community, not just a number.
NCUA (National Credit Union Administration)
The NCUA is like the FDIC, but for credit unions. It insures your deposits up to $250,000, so your money is safe, sound, and guaranteed by the U.S. government. Learn more about the NCUA & how it protects your money here.
Partners in Education (PIEs)
Partners in Education are schools in our community with whom we work to provide financial education & ongoing support. All students & staff at our PIEs are eligible for membership.
Partner Groups
Partner Groups, or Select Employee Groups (SEGs) are local business that we partner with to provide dedicated support, financial wellness resources, and workplace engagement. All employees of these Partner Groups are eligible to become members, allowing employers to provide member-exclusive benefits to their teams at no cost to their organization.
Curious about becoming a Partner Group? Learn more here or reach out to BusinessDevelopment@LGEccu.org.
Share
You'll occasionally see your deposit accounts referred to as shares. When you open a checking or savings account, you’re buying a “share” in the credit union. That's what makes you a member-owner!