Higher deposit rates, lower fees and account access on the go!

Why you should make the move to LGFCU Checking

Having an LGFCU Checking Account gives you the peace of mind of knowing you're dealing with a business that doesn't put profit before people. Instead of worrying about your bank waffling on fees or whether it's going to become too big to fail, we offer you overall value.

Check out these benefits:

  • 24-hour account access via online, mobile, Contact Center and automated phone
  • Free financial planning services
  • Nearly 1,100 CashPoints® ATMs statewide
  • No minimum balance, low $1 monthly service fee

Let's Get Started!

Choose one:

While our three steps to making the move most likely won't be completed all at once, if you hang with it, we know you'll love owning a share of the Credit Union like all members do. No shareholders to answer to and no executive perks to pay for.


Let's check your eligibility to join. Info icon

Select the answer that best fits you:

  • I'm an employee of or retired from local government in North Carolina. Info icon
  • I'm a family member or sharing a household with an LGFCU member. Info icon
  • I'm an elected or appointed local government official. Info icon
  • I volunteer for an eligible local government unit. Info icon
  • I'm the spouse of a deceased person who was eligible for LGFCU membership.
  • None of the above, but I still want to join a credit union.

Yay, you're eligible!

Gather these items and choose a way to get started.

  1. Driver's License (state and number)
  2. $25
  3. Social Security number or account number of family member (only for relatives or those sharing a household)


How to join and open an LGFCU Checking Account

Give us a call
Visit your local branch

Call the Contact Center toll free at 888.732.8562 and tell them you'd like to join LGFCU and open a checking account.

Remember, you'll need $25 for the share account (which is your basic membership/savings account) and another $25 to put into the checking account.

Our Member Service Representatives will help with the process. When you're ready, go to step 2 — Move!

Stop by a branch located near you and tell them you'd like to join and open an LGFCU Checking Account.

Remember to bring $25 for the share account (which is your basic membership/savings account) and another $25 to put into the checking account.

Through a contractual agreement, State Employees' Credit Union (SECU) branches statewide provide service to several smaller credit unions including LGFCU members. So when you visit a local branch, make sure to request specifically to join LGFCU and open a checking account.

When you're ready, go to step 2 — Move!

Aww, we really hoped you could join us.

Although you're not eligible for LGFCU membership, you can still make the move to a credit union. Visit Find a Credit Union or A Smarter Choice to find others in your area. Good luck!

Quick question: Did you get an ATM card when you joined? Info icon

Great! Here are your options for opening an LGFCU Checking Account:

Open an account online
Call us
Visit your local branch
  1. Log in to Member Connect
  2. Under the Services tab, click Apply For
  3. Select Deposit Accounts, then drop-down for Checking

Your member information will autofill in the form. When you're ready, go to step 2 — Move!

Call the Contact Center toll free at 888.732.8562 and tell them you'd like to open an LGFCU Checking Account.

Remember, you'll need $25 to put in the checking account. Our Member Service Representatives will help with the process.

When you're ready, go to step 2 — Move!

Stop by a branch located near you and tell them you'd like to open an LGFCU Checking Account. Remember, you'll need $25 to put in the checking account.

Through a contractual agreement, State Employees' Credit Union (SECU) branches statewide provide service to several smaller credit unions including LGFCU members. So when you visit a local branch, make sure to request specifically to join LGFCU and open a checking account.

When you're ready, go to step 2 — Move!

That's no problem. Here are your options for opening a Checking Account.

Call us
Visit your local branch

Call the Contact Center toll free at 888.732.8562 and tell them you'd like to open an LGFCU Checking Account.

Remember, you'll need $25 to put in the checking account. Our Member Service Representatives will help with the process.

When you're ready, go to step 2 — Move!

Stop by a branch located near you and tell them you'd like to open an LGFCU Checking Account. Remember, you'll need $25 to put in the checking account.

Through a contractual agreement, State Employees' Credit Union (SECU) branches statewide provide service to several smaller credit unions including LGFCU members. So when you visit a local branch, make sure to request specifically to join LGFCU and open a checking account.

When you're ready, go to step 2 — Move!

Do you need to move a direct deposit to your new account? Info icon

Sounds like a job for HR.

Drop by your human resources or personnel department to get a direct deposit form. Or, if you receive another type of income directly deposited into a bank account (such as a Social Security or retirement check), contact the organization directly to get the form you need.

Next, reassign your direct deposit to LGFCU Checking. You'll need the routing number and your account number to complete the form. Info icon

Rerouting could take one or two pay cycles and may require you to accept a printed check in the meantime.


Now it's time to figure out the real balance on the old account.

1Grab a calculator and pull out your checkbook or jump online to look at your statement. Start looking for items that haven't yet cleared or are scheduled to be deducted. These may be bill payments, uncashed checks, something you swiped on your debit card or bought online, etc. Then, make sure to leave enough money to cover those items in that account. You don't want to rack up those outrageous overdraft fees!


List and transfer all recurring electronic transactions from the old account.

See a list of some common transactions.

2List all of your recurring transactions such as online bill payments through the bank, automatic drafts from companies, debit or credit card preauthorized transactions, internal account transfers (e.g. a scheduled transfer from a checking account to a money market account or savings) or additional direct deposits. Tip: Don't forget any quarterly draft payments you may have set up. They're very easy to miss.

3Before you start transferring these payments, make certain you've already put money into your new LGFCU Checking Account. You probably can complete transferring many of your transactions online at each company's website or by calling each directly. If needed, Credit Union staff can help with this, too. Call us toll free at 888.732.8562. You also may want to go ahead and set up your recurring payments in the LGFCU account with BillPay.

You're almost done!

Let's go to the Close step when you're ready.

Did you follow up with your bank to make sure everything cleared?

Double check.

Make sure everything has cleared the old account and that all your automatic transactions are scheduled correctly with the LGFCU Checking Account.


Close that account!

Share with friends!

When all outstanding items have cleared and all scheduled transactions are moved, you're ready to close the old account.

Now you're done. Doesn't making the move feel fabulous?


Keep on moving!

LGFCU has so much more for you. We're big on improving lives here so check out some of the other products we offer.

Credit unions are open to people with a common bond. For example, one may be for all post office workers, while another may be solely for workers of XYZ company and their families. The items shown here are specifically for LGFCU eligibility, not all credit unions.

Am I a local government employee?

Here are some examples. Working for:

  • A town, city, or county
  • Municipal department such as planning, finance, parks & recreation
  • Fire, Rescue or EMS department
  • Law enforcement
  • Government-owned hospital
  • Public library
  • Authority or District such as housing, airport, or Water & Sewer
  • Board such as ABC Board

Still not sure? Contact Us.

Shared household requires that the person applying must be sharing household finances as a unit with the LGFCU member, not just a roommate.

Still not sure? Contact Us.

Here are a few examples:

  • Mayor
  • Town councilman
  • County commissioner
  • Planning Board member
  • Appearance Committee member

Still not sure? Contact Us.

Examples:

  • Fire, Rescue or EMS department
  • Parks & Recreation
  • A town, city, or county
  • Law enforcement
  • County Board of Elections
  • Government-owned hospital
  • Public library
  • Authority, council, commission or board (such as airport, transit)

Still not sure? Contact Us.

LGFCU's ATM Access Card looks like this. It allows our members with only a Share Account to use our online and ATM services.

image of ATM Access Card

What's this?

Many people's income source (such as a paycheck, Social Security check, or retirement check) is electronically placed into their checking account every month. This is called direct deposit.

Where do I find my account and routing numbers?

LGFCU's routing number is 253184537. These nine numbers can be found in the bottom left corner of your check or deposit slip. The next 11 digits are your account number.

sample LGFCU check

A few common transactions:

  • Loan payments
  • Social Security or other government-issued checks for direct deposit
  • Auto and home insurance payments
  • Cable bill
  • Streaming video service
  • Utility bills
  • Lawn care service
  • HOA dues
  • Newspaper subscription
  • Childcare payment
  • Afterschool lessons (soccer, dance, music)
  • Transfer funds to savings

Your Progress

  • Open LGFCU Checking
  • Move direct deposit(s)
  • Calculate balance
  • Transfer payments
  • Follow up with bank
  • Close old account
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