• EZ Access Line (detailed info under the Account Services tab above)
• E-Statements
• Scorecard Rewards
• Visa Online Access
• Verified by Visa
• XpressLink
• BudgetSmart
• Liberty Check Reorder

Preview our XpressLink product by selecting one of the links below.
Home Member or Business Member

Sign up for Direct Deposit and XpressLink with Bill Payment and
Never wait in line!

To enroll online:

1. Click to the XpressLink page
2. Click enroll online
3. Click enroll a person or business
4. Read and agree to the terms
2. After filling out all the required information, you will receive an e-mail within 24 - 48 hours with your password.

Bill Payment Service

Bill payment is FREE with XpressLink.  Bill payment will electronically transfer (or write a check) from an existing account to pay ANY of your bills. You have access to an unlimited amount of bill payments per month.

 

During enrollment there is a check box if you wish to enroll in E-Statements.  With E-statements, you will no longer receive a statement via the U.S. Postal Service. 

Current XpressLink Members:
If you have previously signed up for XpressLink and would like to receive E-Statements,

1. Sign in to XpressLink
2. Click on Options
3. Verify you have the correct e-mail address and click the check box for E-Statement delivery

Please Note: If you change your e-mail address, please sign into XpressLink and click on Options to change your e-mail address.

Additional questions please call 810-715-3542 or 800-882-6457

1. Exactly what equipment and software do I need to access XpressLink?
2. Is the Internet safe and secure for online banking?
3. Can anyone else see my account information? Is it out in the public?
4. What if XpressLink goes down? Will my payments be made, will my transfers go through?
5. How long does it take for a payment to reach my payee?
6. What type of accounts are included in XpressLink?
7. Can I have more than one checking account linked to XpressLink?
8. How current is this information?
9. Should the payment date I give be the date the payment is actually due?
10. How soon are the funds actually taken out of my account?
11. What happens if I don't have enough money in my account to cover a bill payment?
12. When and how are my payments delivered and how can I ensure that my payee receives my payment on the due date?
13. Why does it take a few days to process payments?
14. What should I do if a payee has not posted my payment?
15. How can I prove payments and transfers were made?
16. Will I be charged the monthly service fee even if I don't make any payments?
17. How will the payments be made?
18. Can I choose the method of payment?
19. Does XpressLink work with other accounting software (i.e., Quicken®, Quickbooks®, Money®)?
20. TIP: How do I set up Internet Explorer for XpressLink?
21. TIP: How do I install the security patches for Internet Explorer?
22. TIP: Can I use Firefox as a browser?
23. TIP: How do I refresh my cache?
24. TIP: What address do I need to allow past spam control?

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Question #1 Exactly what equipment and software do I need to access XpressLink? Answer: You'll need an Internet service provider, a modem (28,800 baud or higher is recommended), and Browser software which supports Secure Sockets Layer (i.e. Netscape 4.x or newer, Microsoft Internet Explorer 4.x or newer. Latest browser version is recommended). Back to Top Question #2 Is the Internet safe and secure for online banking? Answer: Yes. This is a common concern with banking and commerce on the Internet. Data on the Internet is safeguarded by encryption as it moves between systems. Data residing on a system can only be accessed by using an authorized sign-on ID and Passcode. Any kind of breach in the security of our systems would be a serious business issue for the credit union. Our success depends on our ability to manage these systems safely and to continue to earn your trust as our customer. Please be assured that we will take every measure possible to protect the financial information and resources you have entrusted to us. You can do your part by not sharing your sign-on ID and passcode with anyone.  ELGA will never ask you for your passcode or the answers to your setup questions in communicating with you about your account..  Back to Top Question #3 Can anyone else see my account information? Answer: Your online account information is available through access methods which have been rigorously tested for their secure access. The information is not public. Only you can access it using your Sign-On ID, and Pass Code. Back to Top Question #4 What if XpressLink goes down? Will my payments be made, will my transfers go through? Answer: If XpressLink and all of our back up systems were to go down, you can be comfortable that any transaction for which you had already processed, prior to the system going down, will go through. If you were in the middle of a transaction and there is some question as to whether the system has received the request, you may feel free to contact the ELGA Credit Union at (810) 715-3542 to ensure your transaction request has been accepted. Back to Top Question #5 How long does it take for a payment to reach my payee? Answer: Each payment made by XpressLink will be processed either by check or by electronic funds transfer. If the payment is made through electronic funds transfer, it will take a matter of hours for the payment to reach your payee. Payments made by check, however, will be delivered via the postal service. Delivery could take several days depending on where the payment is to be sent. The safest thing is to always schedule your payments at least seven business days ahead of the date they are due. This will ensure that the payment will be made and processed in time. Back to Top Question #6 What type of accounts are included in XpressLink? Answer: You can access the following types of accounts: Checking Savings Loan CD's/Investment Back to Top Question #7 Can I have more than one checking account linked to XpressLink? Answer: Yes. You can link all of your checking accounts to XpressLink. Back to Top Question #8 How current is this information? Answer: All transactions and balance updates are performed once per day. So any transactions you perform today that change your balance (i.e. deposits, ATM withdrawals), will be reflected the following business day. Back to Top Question #9 Should the payment date I give be the date the payment is actually due? Answer: No. You need to allow some time for the payment to reach your payee, so enter a date before the actual due date. Be sure to take into account that, although you can schedule a payment at any time, payments are actually initiated (sent to the payee) only on business days. Back to Top Question #10 How soon are the funds actually taken out of my account? Answer: When you schedule the date of the payment it will be withdrawn on the specified day.  If you do not specify a date, then payments made before 3 pm will be withdrawn from your account that business day.  Payments without a specified date made after 3 pm will be withdrawn the next business day.  Payments without a specified date made on a Friday after 3 pm will have the funds withdrawn on Monday.  If a payment is scheduled for payment on a weekend, the funds will be withdrawn on Monday. Business days are Monday through Friday excluding holidays. Back to Top Question #11 What happens if I don't have enough money in my account to cover a bill payment? Answer: If you do not have a sufficient available balance, the payment will be returned and you will receive an XpressLink message alerting you that the payment has not been made. Back to Top Question #12 When and how are my payments delivered and how can I ensure that my payee receives my payment on the due date? Answer: When you schedule a payment, XpressLink warehouses the payment until it is time to process it. The time to process will vary depending on how the payment is to be made and how long it will take to get the payment to the payee. Once the system has determined that it is time to process the payment, the payment is changed to a processing status. The payment is then processed by conducting an electronic funds transfer, or a check is produced and made payable to the payee from your account. The check is then sent to the payee via regular mail. Since the system requires you to submit payment requests seven days in advance, this ensures there is sufficient lead time to process your request and get it to the payee by the date you specify. Back to Top Question #13 Why does it take a few days to process payments? Answer: Although a number of your payees accept payments electronically, many do not. For those that do not accept electronic payments, we must send a check to that payee through the U.S. Mail. Once it is received by the payee, it may also take a day or so for that payee to process the check and post it to your account. Even for electronic payments, it may take two or three days for your payment to be posted. By allowing a few days for processing and delivery, we can guarantee that your bills are paid on time. Back to Top Question #14 What should I do if a payee has not posted my payment? Answer: You need to allow a few days for your payee to process your payment. If your payee has not posted the payment to your account after a few days, send an online message to the Bill Payment Desk to inquire about the status of the payment. Be sure to provide the item's reference number. The reference number is displayed on the Pay Bills screen under the "Ref #" column. The payment will then be traced and a status response will be sent to you. Back to Top Question #15 How can I prove payments and transfers were made? Answer: With each payment and transfer, you are given a reference number so you know we received it. In addition, payments and transfers will appear on your transaction register so you can see they posted. You'll also continue to receive your monthly statement in the mail from your payee. Back to Top Question #16 Will I be charged the monthly service fee even if I don't make any payments? Answer: Yes, the monthly service fee is charged just like your telephone bill or cable bill - whether you use the service or not. Back to Top Question #17 How will the payments be made? Answer: We use two methods of payment: Electronic - XpressLink sends an electronic credit to your payee and electronically debits your checking account on your scheduled payment date. Laser Draft - looks and acts just like one of your personal checks. Back to Top Question #18: Can I choose the method of payment? Answer: No. XpressLink will process the payment electronically if possible. If not, then an Online Check is produced. Over time, some payees which could not accept electronic payment may be able to. They will then begin being paid electronically. Back to Top Question #19 Does XpressLink work with other accounting software (i.e., Quicken®, Quickbooks®, Money®)? Answer: Absolutely. XpressLink was designed to be highly compatible with these popular software products. You can access the export capability from the Reports screen. Back to Top

Microsoft Internet Explorer Setup for Xpress Link: The most common symptom of a incorrectly configured browser is returning to the login screen. If you attempt to login and get returned to the login screen with no errors or messages you are not configured to accept "session cookies". Follow the directions here to resolve this and other problems. XpressLink® is a secure web application that provides ELGA members the ability to manage their accounts and pay bills from the Internet. Connections to XpressLink® uses RC4 128 bit encryption with the use of a Verisign certificate. XpressLink requires the use of temporary cookies which may require that they be allowed on your Internet browser. This mostly became an issue with the release of Service Pack 2 of Windows XP. Cookies are text files that get stored on your computers hard drive to track items that can be retrieved later. To prevent problems using XpressLink® the following settings should be made to your Internet browser. XpressLink supports most common browsers. The following setting are for Microsoft Internet Explorer. Back to Top  Always make sure your computer has all of the most recent security patches and fixes. A properly updated computer is very important especially when accessing personal and financial information over the Internet. The simplest way is to use your Internet Explorer and select Tools and then Windows Update

 

Step 1 The options for Microsoft Internet Explorer are found under the Tools/Internet Options pull down menu at the top of your browser. Click on this menu option and select the Security tab Then select the Internet icon.  On this tab make sure your Security level is set to Medium or less. You may need to press the Default Level button. Next select the Trusted sites icon of the Security tab. Add the main ELGA web page along with the secure site to your Trusted sites list by pressing the Sites button. ( Both elgacu.com and https://secure-elgacu.com should be added.) See the picture on the right for an example. You may have more sites in your list that what is shown here.

Security Options Tab   Trusted Sites

 

Step 2  Delete Temporary Internet Files   Start Internet Explorer. On the Tools menu, click Internet Options, and then click the General tab. Under Temporary Internet files, click Delete Cookies. Click OK when you are prompted to confirm the deletion.  Click Delete Files. Click OK when you are prompted to confirm the deletion. Under History, click Clear History. Click Yes when you are prompted to delete your history of visited Web sites. Click OK.

Delete Temporary Internet Files

Step 3  Check Scripting Start Internet Explorer.  On the Tools menu, click Internet Options, and then Click on Security Tab Click on Custom Level Scroll down until you see Scripting, make sure scripting is enable. Click on OK

Check Scripting   Confirm it is enabled Results should look like this

Step 4 Next change to the Privacy tab. This is where we will set your browser to accept cookies from XpressLink. Start Internet Explorer. On the Tools menu, click Internet Options, and then Click on Privacy Tab Click on Advanced Place a check in the box next to Override automatic cookie handling and place a check in the box next to Always allow session cookies  (Only works on Internet Explorer Version 6.0) Next press the Sites button on the Privacy tab page. Here you can  add both elgacu.com and secure-elgacu.com to your Sites list. This will ensure that you will always accept cookies from ELGA. (see Site Cookies picture at the right)

Privacy Tab   Allow Session Cookies   Site Cookies

Step 5 It may also be necessary to clear the Secure Sockets Layer (SSL) slate and Auto-Complete history.  To do this follow the directions below: Click the Content tab. Under Certificates, click Clear SSL Slate. Click OK when you receive the message that the SSL cache was successfully cleared. Under Personal information, click AutoComplete. Under Clear AutoComplete history, click Clear Forms. Click OK when you are prompted to confirm the operation. Click Clear Passwords. Click OK when you are prompted to clear all previously saved passwords, and then click OK two more times.

And Last Check any Third-Party Firewall or Antivirus Programs (optional).  Make sure that third-party firewall or antivirus programs that are installed on your computer are   configured correctly and are not preventing you from connecting to secure Web sites. For more information, see the product documentation or contact the program vendor. Back to Top  Xpress Link works well with Mozilla's Firefox browser. We have had experiance where the Microsoft browser appears to have a problem that none of the settings would resolve. Moving to the Firefox browser resolved the problem. FireFox is a free download direct from the Mozilla Firefox website. Back to Top  You may tell your browser to request a fresh page and not use the cache by pressing and holding down your LEFT Shift keyboard button while clicking the browser Refresh button. This works with Microsoft Internet Explorer and Firefox. (Note: This function ONLY works with the Left Shift keyboard button) Back to Top   If you use a spam control system on your email you may need to add XpressLink@elgacu.com to your whitelist.  You might consider adding "@elgacu.com" without the quotes to allow ALL email from ELGA. Back to Top If you still have problems after reading this FAQ please call us at 810-715-3542

Computer Safety Education Program.
Click on the Logo for FREE online training, articles and quizzes!

December 17, 2008 - 4:00pm

Bank Fund Staff FCU has notified CUISPA of a phone and SMS phishing attack that is in progress, representing Bank Fund Staff CU as the issuer. At least 4 other credit unions in the north east are being misrepresented as well.

The smishes are being distributed by phone and text message.

The SMS message are similar to, "This is an automated message from Bank-Fund Staff F.C.U. .Your ATM card has been suspended. To reactivate call 1-410-910-0787. The voice message caller ID's are coming from Florida, Ohio, Texas, and Maryland.

The voice messages are also automated suggesting that the Bank Fund Staff account holder's account has been suspended and requesting the listener to press 1 for more information.
Pressing 1 transfers to a request for the account number, PIN, authorization code, etc.

The SMS message ID is coming from number 5000, not providing an actual return number.

IF ANYONE IS EXPERIENCING THIS ATTACK, PLEASE send informaiton to alerts@cuispa.org or log into the CUISPA Alerts Forum at https://alerts.cuispa.org to post a comment/reply.

9/30/2008 11:30am

Phishing or Vishing (Phone Scam Alert)

The phone scam that appeared in our area early last week appears to be back.

Please do not respond or give out any account information to any phone calls you may receive stating that your debit card may have been compromised.

Common sense is the best form of defense with any type of scam. If you are contacted by a company you do business with and are asked for your personal information, thank them for alerting you to the problem, hang up immediately, and then call the customer service number listed on the back of your credit card or on other verifiably genuine correspondence. If there is an actual problem, it can then easily be resolved, however if you were targeted in a vishing attempt, your information will stay secure and the institution being spoofed will now be aware that their customers are being scammed.

For further information see: Federal Trade Commission

If you need further direction contact the Call Center at 810-715-3542.

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9/25/2008 11:30am

PHISHING SCHEME ALERT - Immediate Attention Required

A NEW PHISHING SCHEME HAS EMERGED. Please do not respond or give out any account information to any phone calls you may receive stating that your debit card may have been compromised.

This new phishing scheme attempts to capture card numbers with an automated telephone service or a text message. The message indicates that your debit card may have been compromised and has been placed on a hold status. In order to activate the card, the message may or may not ask you to call another phone number and enter your 16-digit card number and PIN.

To protect your accounts, we suggest that you do not give your account information to anyone.   ELGA will never contact you requesting you to verify your account information.

If you need further direction contact the Call Center at 810-715-3542.

3/01/2007 2:30pm

PHISHING SCHEME ALERT Immediate Attention Required:

DO NOT RESPOND TO ANY EMAIL MESSAGES ASKING FOR LOGIN OR ACCOUNT INFORMATION even if you see the ELGA Credit Union LOGO. We have received reports that there is a circulation of email "Fraudulently Asking for your Login and Account number information" and posing to reward with $100 for doing so.

DO NOT RESPOND, DO NOT LOGIN.

WE are taking action, and reporting to Authorities this Information and attempting to track it's source. THIS is a typical Phising Scam, and we have determined it is coming out of spoofed resources via the Internet. Nothing has been compromised; Do Not Email Account Information ANYWHERE and we will keep you informed. 

If you need further direction contact the Call Center at 810-715-3542

Benefits

Travel Member’s Choice Checking Traveler’s Checks Debit/ATM Card VISA Special Purpose Savings Club Collette Vacations

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Money Saving Debt Consolidation Refinance Loans Worry-Free Checking Balance Transfer VISA Online Bill Payment Christmas Club ELGAsaurus Educational IRA Sweepstake Savings

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Time Saving Online Banking Online Bill Payment EZ Access Line Direct Deposit E-Statements VISA

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Money Growing Money Market Accounts CD’s IRA’s Affiliated Member’s Financial Asset Builder Accounts Savings Bonds

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Credit Score Improvement VISA Accel Debt Management Refinance Loans Auto Transfers Online Bill Payment

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Peace of Mind Life Insurance Health Savings Account (HSA) Auto and Homeowner’s Insurance Family Legal Services Plan Auto Transfers

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Convenience Notary Services Service Centers

If you've had Credit Problems, ELGA may be able to help you. Since we are a risk based lender we are able to lend to many members that may have been turned down by other financial institutions or may be paying high interest rates. For your future with alternative investments If you are seeking alternative investment options, talk with your ELGA Representative who can refer you to our financial consultant to assist you with your investments. "All of the financial services you need for today and tomorrow." At your service for more convenience ELGA offers VISA Classic and Platinum Cards with No Annual Fee and low fixed rate. Home Equity Gold Card ATM and Debit Cards Direct Deposit and Payroll Deductions 24 hours a day you can count on us Do your banking on line 24 hours a day with ELGA's XpressLink - Free Internet Banking. Make Transfers Check balance, rates, review statements Find out which checks have cleared FREE Online Bill Payment Service Or Access your account 24 hours a day, 7 days a week by phone with our EZ Access Line. Additional services for complete service of your needs Money Orders and Traveler's Checks Life Insurance Whole & Term Discounted Auto and Home Insurance Free Notary Retirement and Financial Planning Committed to our members not to stockholders Back in 1951 fourteen individuals gathered in the bullpen at Consumer's Power with one purpose in mind, to establish their own credit union. Their philosophy: Always take care of the members financial needs with personalized caring service. From those simple beginnings ELGA Credit Union has grown by continuing to build upon their foundation and holding true to their philosophy. "Always take care of the member's financial needs with personalized and caring service" A non-profit organization ELGA is a non-profit organization owned by you and operated solely, "For Your Best Interest". Our business is to provide for all of your financial needs, and not to make a profit for stockholders like other institutions.

Earning you more
with our savings accounts

When you put your money in a savings account at ELGA you generally earn a higher interest rate than those offered at competing institutions. This is because the earnings that ELGA generates are used to provide you with higher savings rates and lower loan rates. ELGA's profit is your profit. You'll find a wide array of savings options to meet your financial goals.

Share Savings This savings account is your key to enjoying all of ELGA Credit Union’s many products and services. For a $5.00 deposit you purchase your share of ELGA and open the door to financial wonderment. Requirements: $5.00 min. deposit gets you started Features: Dividends paid quarterly on balances over $200.00 ATM card access Direct Deposit availability Access account through our 8 branches and Contact Center, EZ Access Telephone Banking, Xpresslink Online Banking, ATM machines, and Service Centers all over the U.S. Insured by NCUA (link to NCUA insurance info and calculator)   Special Purpose Savings Use ELGA’s Special Purpose accounts to help you save for those special occasions. Whether it is a Vacation, Hunting Trip, Wedding, or Down Payment for a home or new car, let ELGA help you save! Requirements: Regular Savings Features: Dividends paid quarterly on balances over $200.00 Can be opened any time of year Pick how much you want to save and how often you want to deposit No minimum balance requirement Auto transfer available from any account Payroll deduction and direct deposit available Insured by NCUA Money Market/High Yield Savings Want to make the most of your savings and still have access to it? Then the ELGA Money Market accounts are for you! Many different levels to pay the best interest for your money no matter where you are. For as little as $1000.00 you can begin saving at a higher yield! Requirements: Must be an ELGA member Minimum balance required to earn higher yields: Silver Account: Min. $1000.00 Gold Account: Min. $5000.00 Diamond Account: Min $10,000.00 Platinum Account: Min $50,000.00 Prestige Account: Min $100,000.00 If balance drops below minimum requirement, account will earn the regular share savings rate. Only 6 electronic transactions each month Features: Dividends paid quarterly Receive a higher, market sensitive rate Have access to funds – money is not locked in No penalties for withdrawal, no maturity dates Free statements Payroll deduction and direct deposit available Insured by NCUA Pledge Savings Let ELGA help you establish or re-establish credit! Set aside money in a Pledge Savings account and get an ELGA Pledge Visa. All you need is to deposit $100.00 more than the credit limit you desire and you can receive your new Visa. With limits starting as low as $300, you can start improving your credit right away! Don’t want or need a Visa? You can also use the Pledge Savings account to do a personal loan to build your credit. Our lending team can’t wait to help you! Requirements: Must have $100 more than the credit limit desired for Visa card Features: Dividends paid quarterly Insured by NCUA Allows you to re-establish credit or establish credit without a cosigner Lower loan rates Asset Builder Savings Need help saving money? Let ELGA help! Our Asset Builder savings account is specifically designed to help you develop a savings habit. We will work with you and build your account to $500. Start saving today! Requirements: Must be ELGA member Deposit required each pay period After 1 year can withdrawal funds with no penalty $20.00 early withdrawal penalty Features: Save with a set savings schedule Automatic transfer available from other ELGA accounts Payroll deduction and direct deposit available No check cashing fee regardless of balance Christmas Club It’s always the season to save for Christmas. Set up a Christmas Club account and have a convenient way to set aside money for all your holiday needs. The money you save will be transferred to your savings account on October 1st for your shopping convenience. Start saving for the holiday today! Requirements: Must be ELGA member Funds held until October 1st Features: Payroll deduction or direct deposit available Automatic transfer from other ELGA accounts Choose how much you want to deposit No minimum balance requirement Access account information via EZ Access Line Telephone banking and XpressLink online banking. ELGAsaurus Savings Club The ELGAsaurus Savings Club is a great way to teach your kids to save money! Help teach great savings habits while your child earns prizes and watches their money grow! Requirements: Child must qualify for membership Must have a parent or guardian on account Changes to minor savings at 13 years of age and regular share savings at 18 years of age Features: Dividends paid regardless of balance Direct Deposit available ELGAsaurus punch card – child receives 1 punch for each $5 deposited into account. Cards can be redeemed for prizes when card is full. ATM card access Automatic transfer to or from other ELGA accounts Access account information via EZ Access Line Telephone banking.

ELGA Credit Union has a checking account to meet your every need. From a basic checking account with free check card and overdraft privilege, to a premium checking account with many added benefits at a low cost to you! As an added bonus, all members with active checking accounts receive a .25% discount on auto loans!

Click here for details about e.Rewards Checking
The checking account that earns interest!

Worry Free Checking with Overdraft Privilege

Features:

• NO Monthly Service Charge
• NO Minimum Balance Requirement
• FREE Unlimited Check Writing
• FREE XpressLink Online Banking and Bill Payment
• FREE Debit Card
• FREE Check Safekeeping – ELGA will store your canceled checks
• PLUS, You’ll Earn Interest*

*Minimum balance of $500 to earn interest.

Overdraft Privilege

Have you ever written a check for more money than you thought you had in your checking account? Found yourself “a little short” at the wrong time? You’ll find ELGA’s Checking with Overdraft Privilege* worry-free. Rather than automatically returning unpaid or insufficient funds items, we will consider payment of your overdraft. You’ll find fewer hassles and embarrassment from having your check returned. More importantly, you save the high cost of return check charges from the merchants.

*View our disclosures for complete information on Overdraft Privilege

Member’s Choice Checking with Overdraft Privilege

All the benefits of our Worry Free Checking, plus these additional benefits will be yours when you become a Members Choice Checking member:

Financial Features

• FREE Personalized Checks
  • Receive FREE special personalized checks. Your checks will be printed with your name and address.
• Travelers Checks, Cashiers Checks, & Money Orders at No Issue Fee
• Up to $1,000.00 Overdraft Privilege

Security Features

• $10,000 Accidental Death & Dismemberment Insurance
  • Members automatically receive this valuable protection 24-hours a day both on and off the job. Coverage is provided by our A+ rated carrier.
• $50,000 Common Carrier Insurance
  • Your Member benefit automatically increases to a total of $50,000 in the event of an accidental death while traveling on a licensed Common Carrier (plane, train, taxi, bus, ship, etc.)
• Credit Card Protection
  • Members can register all major credit cards. If cards are lost or stolen, one toll-free call reports the loss, cancels the cards, stops unauthorized purchases, and requests prompt replacement.
• Lost Key Return Service
  • Works with a number-coded key ring medallion. When keys are found the finder is instructed to drop into any mailbox. Keys are returned to members postage paid.
• Extended Warranty & 90-Day Product Protection
  • Extended Warranty extends original U.S. warranties up to one additional year. Protects purchases for 90 days after the date of purchase against loss, theft, or breakage.

Travel & Entertainment Features

• Travel and Entertainment Discounts
  • Receive major discounts at more than 8,000 Hotels and Motels coast to coast as well as savings on car rentals, cruises, movies, restaurants, grocery shopping and much more!
• Automobile Trip Routing Service
  • No cost detailed route plans for trips to anywhere with exact directions, total distance, hotels and attractions along the route, as well as full-size state maps.
• Lost Luggage Locator Tag
  • When luggage is misplaced or mis-routed, the locator tag includes instructions to call a toll-free Registration Center number. Then you will be contacted regarding how best to return your luggage to you.
• Travel Reservation Service
  • Save money while conveniently making personal or business reservations for airlines, lodging, car rentals, cruises, and tours. The Travel Reservation Center is available 24 hours a day.
• Bonus Travel Dividends
  • Reservations booked through the Travel Reservation Service receive bonus dividends from the purchase price (less taxes) on all scheduled airlines, lodging, car rentals, cruises, and tours purchased.
• Auto Rental Discounts
  • Members receive from 10% to 25% discounts at major car rental companies such as Avis, Hertz, and National.

Health Features

• Pharmacy Discounts
  • Save on prescription drugs on a “Direct Vendor Discount” basis from a large national mail order pharmacy facility.
• Eyewear Discounts
  • Save on frames & lenses, contacts and other services at more than 10,000 eye centers throughout the United States. Members receive up to 50% off the price of eyewear
• Contact Lens Discounts
  • Save up to 50% on replacement lenses by calling a major quality supplier toll-free
• Medical Information Card
  • Carry this personally customized card with you at all times so your vital health & contact information will be immediately available to healthcare professionals in case of a medical emergency. It could save your life.

Shopping Features

• Toll-Free Personal Shopper
  • Shop by phone and find the best price available on brand-name products.
• Price Guarantee
  • By simply using the club account check, members can shop with confidence. If a new item is purchased and the identical item is advertised within 60 days at a reduced price at any retail store, members are eligible to receive reimbursement for the difference up to $100 between the purchase price and the reduced price.

Account Reconciliation Form - .pdf file of the Account Reconciliation Form

Click Here

Credit Card Online Access

Click Here

Lost or Stolen Credit Card 800-237-6211	Customer Service 800-237-6211
Card Activation 800-543-5073	PIN Change 866-297-3408
Fraud Watch (falcon) 800-437-9392

Think Simple. Manage your credit card account online. Pay your credit card bill online. Simple. Credit Card Account Management Made Simple... Everyday life is no simple task. But managing your credit card account online can be, with eZCardInfo. eZCardInfo allows you to view your account balance, available credit, payment information, account activity and more - quickly and securely. When you enroll in eZCardInfo, you'll have around-the-clock unlimited access to: View Your Account Balances Check Available Credit View Past and Current Statements Download Data to Financial Software View Transactions Since Last Statement Pay Your Bill Online View Transaction and Spending Reports Receive E-Mail Notifications of Conditions or Events on Your Account And with our encrypted, fully protected website, you'll have comfort knowing that your credit card information is secure. Enroll in eZCardInfo today, and start making your everyday life a little more simple! Visa Credit Card Falcon statement ELGA Credit Union uses a fraud monitoring company (Falcon) who may call our cardholders to verify suspicious transactions on their Visa credit card.  It is important that if you are traveling out of the state/country that you notify the credit union of the dates and locations to prevent your card from being blocked.  You may also update your account by providing the credit union with a cell phone number where you can be reached. In the event that your card is blocked you may call Falcon at 800-437-9392 to verify the charges and/or remove the block on your card. Your  Rewards Catalog Earn Top Quality Rewards For All Your ScoreCard Purchases Every time you use your ScoreCard, you earn more Bonus Points - and more Points means more rewards! Redeem your Bonus Points for the brand-name merchandise found on the ScoreCard website www.scorecardrewards.com Treat yourself to something special or redeem your Bonus Points his and her gifts. They're your points - and your rewards. You've earned them with ScoreCard! You can redeem Bonus Points any time, or save them to earn higher value awards. The greater your Bonus Points total, the greater the value of the reward. Check the website often - we're always adding new brand-name merchandise! And remember, Bonus Points earn Travel Rewards too! Explore your travel options online and find out what's available and how many Bonus Points you need for that special travel opportunity. When you're ready to make your reservations, call the ScoreCard Travel Center at 1-800-842-3006. With ScoreCard you've earned your Bonus Points! So start "shopping" today and enjoy your rewards!   Your Visa card is now equipped with Verified by Visa - it password protects your card for free. It's safe and easy. Just activate your card and set up your password while you shop. To learn more, visit: www.visa.com/verified It's now even safer to shop online. Once you activate your card, Verified by Visa protects you at every participating online store - so only you can use your card.

EZ Access Line is a telephone banking system that will give you fast answers to your account questions 24 hours a day, seven days a week. EZ Access Line quickly delivers personal banking information across town or across country, you can call anytime from anywhere. With a touch tone telephone you can: Obtain balances on your savings, checking and loan accounts Verify that checks have cleared Confirm deposits and withdrawals Transfer funds between accounts find out current interest rates AND MORE All you need to know is the EZ Access Line phone number, your account number, and the last 4 digits of your social security number, which will allow you to set up your Personal Identification Number (PIN). Your PIN will give you and only you, exclusive access to all your ELGA Credit Union accounts. The first time you use EZ Access Line, you will be instructed on how to assign your PIN.

How to use EZ Access Line Dial 810-715-3562 or 800-367-8586 To verify you have a touch tone phone press 1 Listen and select the option you desire Common options are:  Account Inquiry  Press 1  Transfer money  Press 2  Change PIN Number  Press 4  Branch Locations & hours  Press 5 Important Points Use the same PIN number for all your accounts. Be sure you are the only one that knows your secret number. When using EZ Access Line have your PIN number and account number(s) ready. TDD Service is available for the hearing impaired. You must use the keyboard on your touch tone phone to access information. Short Cuts Use these shortcuts to bypass menu prompts after pressing 1 to indicate you have a touch-tone phone. 1 ..... 1..... checking account 1 ..... 2 ..... savings account 1 ..... 3 ..... IRA or CD 1 ..... 4 ..... mortgage loan 1 ..... 5 ..... member loan 1 ..... 6 ..... commercial loan 2 ..... 1 ..... transfer from checking 2 ..... 2 ..... transfer from savings EZ Access Lines Local: 810-715-3562 Toll Free: 800-367-8586 TDD: 810-715-3570

We want you as a member of ELGA Credit Union!

Here's how to join.

Who's eligible:

• Individuals who live, work, worship, volunteer, or attend school within Genesee, Saginaw, Lapeer, Shiawassee, Oakland, and Livingston Counties. 
• Employees or retirees of Consumers Energy Company working or living in the Counties of Genesee, Lapeer, Sanilac and Shiawassee. 
• Members of the Building Trades AFL-CIO. 
• Any person over the age of 55 who receives a retirement annuity, pension, social security, or similar retirement payment from private or government sources, and lives in, or belongs to a retirement organization located in Genesee County or in a county contiguous to Genesee County. 
• Any person making a $25.00 donation to the Salvation Army Bed and Bread Program. Members of the immediate families of the above.
• Employees or members of employer groups or other organized groups (see the list at the bottom of this page), which are located within 25 miles of the credit Union's main office or a branch office. 

Office locations (linked to maps):

2303 S. Center Road, Burton
7026 W. Vienna Road, Clio 
8415 Davison Road, Davison
1390 N. LeRoy Street, N. Fenton (located inside VG's Food & Pharmacy)
5080 Corunna Road, Flint (located inside VG's Food & Pharmacy)
6238 Pierson Road, Flushing
799 Harrison Street, Lapeer
7300 Highland Rd., Waterford (located inside VG's Food & Pharmacy)

Come in to any of our locations to become a member or join today online.

What's next? Need to send the appropriate letters to your prior financial institution, or move automated debits (ACH) or Direct Deposits?
Please click here to get started!

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. What this means to you: When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

Our Membership List

• Each group must provide a written request for service to the credit union.  Examples of the written request are available at each branch or by calling 810-715-3542.
• Individuals who work for, or are affiliated with the following companies, organizations and church congregations are eligible for membership at ELGA Credit Union

7 Eleven
7-UP Flint
Al Bordeau Insurance Service Inc (emp&cust.)
ALDI
Alpine Animal Hospital
All Saints
All Saints Church
Alternative Health Specialists
Alternatives For Children & Families
American Bldg Co & Maint Svc
American Red Cross Genesee-Lapeer Counties
Applebee's Restaurant
Air Tech, Inc
Atherton United Methodist Church
AutoCash.com Employees
AutoCash.com Members
Automotive Parts & Machine Shop
Automotive Plastics Recycling
Auto Pride Collision
B&B Boat, Inc
B&C Cartage & CTT Enterprises
BNI - Michigan
Ballard Landscaping and Groundskeeping
Barrett Business Services, Inc.
Beau Nash Salon
Ralph Becker, DDSPC
Bell Warehousing&Manufacturing Svcs. INC
Bentley Florist
Bentley Weselyan Church
Berker & Bush
Bethel Baptist Church
Beulah Land Christan Center
Best Western
Big Apple Bagels/My Favorite Muffin
Big Brothers/Bg Strs Grtr Flnt
Big John Steak & Onion Inc
Bishop Construction
Blanche Bekkering Inc.
Blessed Sacrament Church
Big Wheel Mini-Storage (See Davison Overhead Door Co)
Blackberry Creek Village
Blevins Screw Products Inc
Blue Chip Corp/Blue Chip Painting
Breakthrough Ministries of Jesus Christ, Inc.
Briar Ridge Golf Course
Bucks Frames & Alignment Service
Burton Glen Charter Academy
Burton Glen Charter Academy
Burton Place
CSI Insurance
Cable Dawgs, INC
Career Alliance (See Michigan Works Career Alliance)
Campbell Services
Calvary Bptst Chrch of Davison
Carie's Caboose
Cash Now
Case Construction
Cental Quality Service
Catholic Outreach
Center for Gerontology
Central Assembly of God
Certified Abatement Services Incorporated
Chapmans Sports Center
Christian Faith Church
Christ United Methodist Church
Church & Son's Garage
Church and Sons Automotive Parts
Church of the R.O.C.
City of Burton
City of Davison Police Department
City of Flushing
City of Hope Church
C&L Ward
Classic Painting Group
Clio Classic Auto Wash & Express Care
Clio Community Church of the Nazarene
Cline, Cline, & Griffin P.C.
Community Baptist Church
Community Podiatry Group, P.C.
Community Recovery Inc
Compassion Care Service, Inc.
Complete Eye Care
Comprehensive Construction
Concept Three Advg Mktg Design
Consumers Energy Power Company
Convenient Family Dental
CorPay Solutions, Inc
Creative Learning Center
Creative Water Works, INC
Creekside Apartments
Cummings Harley-Davidson
Cummings Property Management
Curves For Women
Curves For Women
D & D Design, Inc
D & D Glass Service
Davison 1st Assembly of God
Daly & Associates
Data 2 Logistics
Datastar, Inc
Davison Country Club Inc
Davison Dental Laboratories
Davison Free Methodist Church
Davison Oil & Gas (Shell Gas Station)
Davison Overhead Door Company
Davison Racquet Club
Davison Travel, Inc
Davison Vision Center
Dayne Davis, Inc. Realtors
Dawn Donut Systems
Dee Cramer, Inc
DEI Security
Deliverance Tabernacle Church
Deville Lounge
Diamond In The Rough Properties, LLC
Don's Auto World
Dort/Mt. Morris Auto Service
Dover & Co
Dowsett Inc Realtor
DPR Enterprises, Inc.
Dr. Gregory S. Peacock/Dr. Paul Racine
Dr. Joseph Ewing
Dunamis Power Ministries
Durakon
Eastgate Baptist Church
Eaton Insurance Services
EL Shaddai C.O.GI.C.
Eliezer Church of Our Lord Jesus Christ
Ebenizer Ministries
Elite Tax & Financial
Employer Administrative Services, Inc.
Executive Auto Brokers LLC
Executive Floor Maintenance
Extreme Printing
Extreme Precision Screw Pdts
Fabricating Engineers
Fairfield Inn Marriott
Fair Winds Girl Scout Council
Faith Baptist Church
Faith Christian Family Church
Faith Tabernacle Church
Family Service Agency
Famous Dave's
First Presbyterian Church
First Presbyterian Church of Christ Employees
First Wesleyan Church
Father, Son, & Holy Spirit Ministry
50's Pizza
First Class Tire
First Class Tire Shredders
First Class Homes
Fisher & Wright Inc. now Midwest Mechanical
Five Star Auto, Jeep Outfitters
Flexible Automation Inc
Flint Auto Collision Inc
Flint Boxmakers, Inc.
Flint Centerless Grinding Inc
Flint Housing Commission
Flint NIPP, Inc
Flint Packaging, Inc.
Flint Riggers & Erectors Inc
Flint Road Builders/Genoak Construction
Flint Spirilualist
Flint Surveying and Engineering Co.
Flucher Companies, Inc.
Flushing Knights of Columbia Building Corp.
Flushing Rd. Collision INC
Fubidia
4-Child Care Unlimited
G and C Roofing and Siding
Garrison Ross Insurance Agency
Garrow-Loftis Realtors
Gary Gordon, DDS
Gass-Becker Insurance Agency, INC
Gasser Engineering Inc
Genesee County Janitorial
Gatti CLF
Gemeni Technology Inc
General Drver Hlpers Lcal 332 (Teamsters)
General Telephone (GTE)
Genesee Controls
Genesee County Habitat for Humanity
Genesee County Medical Society
Genesee County Road Commission
Genesee Real Estate Brokers, LLC
Genesee Tool & Engineering Co
Gilman & Ciocia Tax & Financial Planning
Good Shepard
Goodwill Industries
Gordon Food Service
Goyette Mechanical Co.
Grace Lutheran Church
Grand Traverse Pie Company
Great Giant IGA Supermarket
Grondins Hair Center
Guardian Auto Glass
Guile Transport Leasing
The Herb Shop
H.E. Manor & Son's, Inc.
Harmony Baptist Church
Harris Memorial Church God In Christ
H&E Tire Service, INC
Hearing Impaired (Statewide Service)
Heartland Health Care - Briarwood Manor
Heartland Manor - Chateau Gardens
Hoagies Party Store
Holland Heating and Cooling
Holy Rosary
Home Depot
Hougan Manufacturing
IGA Supermarket
I.M.A. (Perani's)
Innovative Property Management
Insight Recovery Centers
International Union of Operating Engineers
Jan's Professional Cleaners and Laundry
J C E Limited
JC Penney Company
Jeep Outfitters
Jerry's Contracting, LLC
Jiffy Lube
Jim Riehl's Friendly Automotive Group, Inc
John Benjamin Income Tax & Financial Services
John E Klobucar Inc
JLJ Chicken Limited
Jobs Central
Johns Pizzeria & Restaurant
Julie Lindsay
Kassuba Enterprises, Inc
K.B. Ventures, INC., LTD
KRC Home Improvement
Kearsley Appliance Repair
Kearsley Electric Service, INC
Kenney's Distinctive Greetings, LLC
Kenneth Reed Attorney
Kentucky Fried Chicken
King of Glory Lutheran
King Par/Knight Golf
Kohl's, Lapeer
Knights of Columbus (Spouse and members)
Koyl”s Construction
Kroger Co., Lapeer
Lagarda Security
Landmark Baptist Church - Congregation
Landmark Baptist Church - Employees
Lapeer Community Schools
Lamb of God Fellowship
Leonard's Enterprises
Lamb's Fold Christian Day Care Center
Liberty Bapist Church
Landaal/Flint Boxmakers, INC./Flint Packaging
Life Enrichment Center
LightHouse Bible & Herbs
Linden Charter Academy
Lintze Home Setters
Living Proof Church
Lockwood Of Burton
Looking Glass Salon
Louie's Towing
Joseph B. Luna MD PC
Lush Lawn
Mac Lawn Care and Landscaping
Magoo's
Magpie Enterprises, INC
Main Manufacturing Products
Mancino's of Burton
Manilal O. Mewada M.D., P.C.
Markee Electric Inc
Marlot Nursing Registry
Marv's Electric
McCree Theatre
Meijer
Meijer, Lapeer
Metamora Products Corporation
Metro Housing Partnership
MetroKote
Michigan Clubhouses, INC
Michigan Works Career Alliance (Formerly Jobs Central)
Mid State Bolt & Screw
MidState Home Improvement
Mid-State Plating Company
Miller's Home Repair
MJ Hunter Construction
Montrose Family Pharmacy
Montrose Nursing Home
Montrose United Methodist Church
Montrose Veterinary Hospital
Morgan Drywall
Morgans Irrigation & Service, Inc
Morris Towing and Recovery
Midwest Mechanical
Mt. Sinai Evangelical Lutheran Church
Nationwide Insurance & Financial Services
National Heritage Academy
National Heritage Academy
New Beginnings Ministries
New Cable Services
New Creation Construction Company
New Era Treatment Center Inc. (N.E.A.T.)
Newkirk Electric (branch)
North Lake General Store, INC
North Pointe Church
NRG Distributors
On Line Die & Engineering
On The Move Driving School
Oscar Wright D.D.S., PC
Otisville Assembly of God
Our Lady of Guadaplupe
Our Lady of Lebanon
P.C. Company
Painters Local
Patsy Lou
Paul's Coney Island
Pearle Vision (Formerly NuVision)
Peerless Mattress Co.
Penzoil
Peterson Commercial Janitorial
Paragon Personnel LLC
Phillips RV Center
Phil's Tree Service
Phone USA
Physicians Programs, Inc.
P.K.S.A. Karate Grand Blanc, LLC
Placement Management Center, LLC
PMC Placement Services LLC
Plumbers & Pipefitters Local 370
Powers Catholic High School
Precise AutoBody&Frame, Inc
Pre-Fit Door Inc
Precision Industries Incorporated
Premier Mortgage Funding, Inc
Printstore
Production Machinery
Productivity Systems, Inc.
Pro Glass & Mirror, LLC
Professional Office Specialists Inc
R.K. Imports
Progressive Home Healthcare of Michigan, Inc
Quality Floors, Inc
Quality Pool Supply Company
Rainbow Video
Ramada Inn - Flint
R&B Contractors
R & R Transport
REACH
Red Lobster restaurant
Refrigeration Engineering
Reliable Health Care Associates, INC.
REMAX Right Choice
Resource Center
Revival Tabernacle
Richards Tree Care, Inc
Richfield Church of Nazarene
Richfield Road Church of United Brethren in Christ
Richfield Township
Riske Mason Contractors
Rite Aide
Riverbend Apartments
Robert Garrow and Assoc. Realtors
Riverside Market
Rollaway Lanes Inc
Roof Right LLC
Ross Automotive Supply of Davison
Royston Auto Finance
Royston Auto Sales
S & J Construction
Sacred Heart
Saftey-Kleen
Saint Francis Xavier
Saints John Of Jerusalem Ministries
Salon W
Salvation Army
Samir Basata, M.D.
Scott's Lawn Care
Sears
Shank-Coupland-Long Co
Shue & Voeks Inc
Signs By Crannie
Silvio's Italian Raestaurant and Lounge
Select Office Supplies
Signature Day Spa
Skidmore Auto Center, Inc
Sorenson Gross Construction Co., Inc.
Soundcube
Speedway Safety,Inc
St Johns Vianney
St Luke Catholic Church
St Michaels Byzantine Church
St Robert
St. Agnes
St. Johns
St. Mark Lutheran
St. Mary's
St. Michaels
State Building Company
State of Laborers District
Statewide Services For The Hearing Impaired
Steve's Plumbing & Heating
Stokes Tax & Accounting Svc
Stratford Square Apartments
Studio 21 Inc
Subs-r-Us
Subway
Sue Bee's Party Store
Super Cash
Superior Gun Drilling
Superior Pontiac-Cadillac
Suski Chevrolet & Buick
Swan Family Chiroprctc Ctr
T.A. Stewart, Builder
Ted Hu Associates, Inc
Tek – Graffix Sign & Design
Townline Sales
T-Group Enterprises, LLC
The Kennan Corporation
The Little Guys
The Montrose Pub
Thermal Systems
Thomas Spence Insurance Inc
TJ's Contracting
Todays Audio
Thornton Trucking
Tom's Refacing, Inc.
Town & Country Pet Salon
Three Geeks
Top Shelf Clothing
Tranquility Salon & Spa
Trialon Corporation
Tri-County Roofing Co.
Trillium Staffing Solutions
Trinity Missionary Church
Tru Coat Dental Supply & Tru Coat Inc.
Tuffy Auto Service Centers
Union Prescription Center & Medical Supplies
United Way of Genesee & Lapeer
Universal Coating, INC
Universal Glass, Inc.
Universal Systems
Urban League of Flint
Valvoline Instant Oil Change
Venture Quest of Michigan, Inc.
Verspeeten Transportation Inc
VG's Food Center, Fenton
VG's Food Center, Clio
Victory Tabernacle & Ministries
Visually Impaired Center Inc
Victor George, Chevrolet
Vogts Flowers Inc
Voorhies Signs
VPCA Adult Foster Home
Waldorf Plumbing Heating & Air Conditioning
Wallspray King Insulation Company, Inc.
Walker Electric, Inc
Walmart, Burton
Walter Mechanical Service Inc
Watkins & Himelhoch
Wayne Starr School of Cosmotology
Wanted Comics and Collectibles
Webcor/Compac Packaging
Wellness Aids Services, Inc.
Whaley Children's Center
White's Auto Service
White's Streetside Tavern
Whiteys Restaurant Inc
Williams Gun Sight Co Inc
Wireless Giant
Wolverine Bump & Paint, Inc
Wolverine Productions
Y.M.C.A.
Y.W.C.A.
Zack Company