LGFCU -- Civic

While you will not see Civic branded ATMs, any ATM is yours to use. Many, including the currently used CashPoints network, are surcharge-free. However, should you choose an ATM with a fee, we next-day reimburse fees, up to $20/month. Click here for more details, and to find a convenient option for you. 

Yes. You can continue to use CashPoints® ATMs for withdrawals, but not for deposits.

We do not plan for coin sorters in Civic branches, but will assist you in considering options.

We strategically and thoughtfully placed our branch locations throughout the state, with 80% of our membership being within a 30-mile radius of one of our branches. Our products and services, as well as the way they are accessed and delivered are built for no branch presence required; however, for the times that you prefer to visit a branch, there are options available.

No, Civic does not offer Safe Deposit Boxes.

The SECU branch that you have used in the past for your LGFCU accounts and services will remain open to serve SECU members. However, SECU branch staff will no longer be able to help LGFCU (Civic) members starting June 2. Your membership, services and accounts will begin being serviced by Civic on that day. Check out all the ways we’ll assist you here.

All Civic locations have cash availability. We recommend talking with your local Civic branch if you are need of large amounts of cash. There are many ways to move funds and we want to ensure your safety in the movement of money.

Civic is excited to offer our members access to over 100 shared branches in North Carolina (and over 5,000 locations in the US). Civic members can make account inquiries, deposits, withdrawals, transfer funds between Civic accounts, and make loan payments (exceptions are Mortgage payments and Credit Card payments). 

Yes, LGFCU Credit Cards will be re-issued with new credit card numbers. Members can activate and begin using their credit cards on May 19th.  Upon activation, a member can set a unique PIN. 

Yes, existing LGFCU debit cards will be replaced in the month of May. Be on the lookout for a new Civic debit card in the mail. For the best experience, activate your Civic debit card as soon as your receive it, so that you can easily start using it on May 30th. LGFCU debit cards will no longer work after May 29th.
 

No, you do not need to establish a Civic account prior to transition. Your LGFCU accounts will automatically transition to Civic.

As we get closer to transition in June, expect more and different types of communication from us. Please make sure we have updated email (may update in Member Connect) and correct mailing addresses, as we are sending important information on what to expect, the few things that you will need to make sure you do (such as activate your new card(s) when you receive) and to provide important dates and updates. You can expect email, USPS, and many opportunities to connect via social media links to our website(s), where you will find latest reminders or updates, as well as comprehensive questions/answers and video how-to guides! 

After June 2025, your accounts will be managed by the Civic team that’s worked for LGFCU for years. At that time, you’ll have access to almost all the same services and products you know, plus some new ones. Here’s what you can expect once you become a Civic member:

• You can bank at the 11 Civic branches across the state
• For questions or assistance, you can contact the Civic Experience Center, staffed 24/7. You can also text, email and video chat with them during regular business hours
• You’ll have access to a network of hundreds of ATMs and branches across North Carolina for cash deposits and withdrawals
• You can use CashPoints® ATMs for fee-free withdrawals
• You can join, apply for loans and more through online banking on the Civic website or with the Civic app
• Access to Zelle® — the safe and easy way to send and receive money with friends, family and other people you trust
• Free credit score peeks with no dings. Civic members can use Civic’s tool, myScore+, to check their credit scores, as often as daily
• LGFCU member-requested financial solutions that keep more money in your pocket, with better rates

Opening an account with Civic will not impact your LGFCU accounts. If you are in need of an additional account, we'd love for you to try out Civic ahead of time. There is no need to open a Civic account before transition; please know that if you are a member of both LGFCU and Civic, at transition you will have both Civic and LGFCU accounts; as an example, this will mean that you will have two checking accounts. You may then either leave as is, or easily convert into just one account. 

You'll work with us at Civic to apply for any new loans. We can help you online, over the phone, or in any of our 11 Civic branch locations. The choice is yours! The new loan application process will happen directly with Civic and when your LGFCU accounts transition over in June you'll see any new Civic loans with your existing LGFCU relationship all in one place again.

Typically, the terms of your existing loan (interest rate, repayment schedule, etc.) remain unchanged as they are governed by the original loan agreement. However, in some cases a change in terms may occur with appropriate notification.

No, loan due dates will not change.

LGFCU members, that are new to online banking, will need to register.  

To register, the member will select the Online Banking login button from the Civic website or select the Civic mobile banking app from their phone or tablet, and enter:

• SSN & Date of Birth
• And one of the following:
  • Account number of one of their deposit accounts
  • Email address
  • Zip code

If you need assistance, call the Civic Experience Center at 844-772-4842 or visit a Civic branch.

Your username will stay the same, but you may need to select a new password. It is a best practice for members to routinely update their passwords.

Our date for separation is June 2025. There are many legal and regulatory requirements we must meet along the way to get there.

Yes, LGFCU members' bill pay will transition over to Civic. There are a small group of impacted members that may need to make a few updates; Civic will contact them well before June to support their online banking upgrade to Civic.

Dual members of Civic + LGFCU will continue to use their Civic online banking credentials. In June, you will see your LGFCU accounts appear alongside your Civic accounts.

There might be a short downtime as systems transfer, but Civic will work to minimize disruptions. You should be notified of any temporary access issues via our website urgent message postings, as we do anytime we have an interruption in account access. 

Your LGFCU app will work through the end of business day on May 30. We will use that weekend to transition to the Civic app. Starting June 3, you will use the Civic app for all things mobile banking. At that point, you can delete the LGFCU app from your phone. 

While we would love to see the Civic app be the most downloaded app in June, we do highly recommend downloading it early. As an LGFCU member you won't be able to use it until June, but it will make your transition much easier if the app is ready and waiting on your phone.