LGFCU Member Connect : Member Connect – Local Government Federal Credit Union
LGFCU Member Connect : Member Connect – Local Government Federal Credit Union
Member Connect is an account access service reached via the internet by members of the Credit Union. All first-time users must enroll in Member Connect by clicking the “Enroll” link on our homepage or the “Enroll Now!” link on our sign on page.
How to Sign on:
- Enter your User ID. Enter the unique User ID you created when you previously enrolled. If you do not remember your User ID, please contact your local branch or our 24/7 Member Services.
- Enter your Password. Enter the unique password you created when you previously enrolled. If you do not remember your password, please contact your local branch or our 24/7 Member Services.
- Click the Submit button.
Security Question Setup
You are required to choose and answer 6 Security Questions out of the 22 provided. These questions may be used to further validate your identity when using the Credit Union’s online account access.
How to Setup:
- Choose a question from the drop down box for question 1.
- Answer the question. We strongly suggest you follow the Tips provided.
- Continue through to number 6 so that all your questions and answers are completed and click Submit.
- A confirmation that states ‘Your security answers have been updated and are effective immediately’ will display.
- You can change your Security Questions and Answers anytime by going to the Services tab and selecting Update Security Questions.
Security Answers provided are not case sensitive. However, you will need to remember exactly how you type your answers.
| Examples: | St. Mary’s |
| Saint Mary’s | |
| St. Marys |
All the above are considered different responses.
Checking Account Detail
Definitions
Activity Today – Transactions that we have received but have not yet posted to your account.
Monetary Holds – Funds in an account placed on hold other than Deposits Pending.
Deposits Pending – Funds from checks deposited at CashPoints ATMs that are being held subject to the automatic one-day hold.
Overdraft Transfer Balance – The sum of Available Balance(s) in the protecting account(s), less any funds not available for transfer from the protecting account(s).
Available Balance – The current balance, minus any “monetary holds” or “deposits pending”. The balance does not include funds in any accounts designated as protecting accounts for LGFCU’s Overdraft Transfer Service. For share, Zard share, FAT CAT, Coverdell ESA, IRA or SEP IRA accounts where a minimum balance must be maintained, the Available Balance includes this required minimum balance amount; however, this balance amount cannot be transferred to another account for any purpose. The Available Balance is used to determine if you have enough funds available to pay items. The Available Balance may not reflect every transaction or the final amount of every transaction you have initiated or authorized. Please see the Account Disclosures for more information.
Current Balance – The beginning balance plus or minus any items in Activity Today that have not yet posted. The balance does not include funds in any accounts designated as protecting accounts for LGFCU’s Overdraft Transfer Service. Items in Activity Today include transactions that we have received but have not yet posted to your account. The Current Balance does not include items such as scheduled BillPay transactions and checks that you have written but that have not yet cleared your account.
How to use Checking Account Detail:
- Using the Sort By list, you can sort your transactions by: Checks Only, ATM Transactions Only, Visa Check/Interlink, Debit Only or Credit Only.
- You can select a date range for viewing your transaction by selecting a From Date and a To Date. Only the past 120 days of checking history is available.
- Once you have sorted your transactions, click the Get History button and your transaction list will change.
- To view a check image, click on the “Check with Image” link.
- If you wish to view another account, use the Account drop down list and click on the account name.
- Use the Quick Links to easily navigate to related pages.
Checking Account Activity Today Detail
Pending transactions included in the Activity Today total have been received and are reflected in the current balance but not yet posted to the account. You may view most transaction details included in Activity Today on the Activity Today Detail page. When transactions have posted to the account history, they should be deleted from the Activity Today Detail page during our nightly processing (approximately 2 am Eastern).
At this time, not all pending transaction details can be displayed on this page. The pending transactions that cannot be displayed are included in the Other total listed at the top of the page. More details will be added to this page as updates are made to our host systems.
Point of Sale
The Point of Sale transactions displayed on the Activity Today Details page are authorizations submitted by the merchant. The authorization amount is an estimate by the merchant which can be for more or less than the actual debit amount authorized by you. For example, restaurants usually authorize the amount of the meal without the tip. Authorizations may remain in activity for up to 3 business days. The actual debits for Point of Sale transactions can take up to 3 or more business days to be submitted by the merchant and received by the Credit Union for posting.
Additionally, you should know that a merchant may reverse the authorization at your request, and/or extend or modify the amount of the authorization in certain circumstances (such as an extended hotel stay). If an extension or modification is submitted by a merchant, the hold on your account will be extended or modified.
