Account Login:

 
 

Customer Service

Business Treasury Management

Business Desktop Banking

Save time and costs of trips to the bank by depositing checks from your office. Using a scanner provided by the bank, enjoy the flexibility of managing your business on your schedule.

Electronic Payments

Make electronic fund transactions online. Provide direct deposit for your employees or pay vendors using Automatic Clearing House (ACH).

Remote Deposit

Deposit checks faster with your mobile phone.

  • Free – Use our free app to make free deposits.
  • Convenient – Save a trip to the branch or ATM.
  • Simple – Make a deposit with just a few taps and camera clicks.
  • Secure – Rest assured it's as safe as online banking.
*Mobile Remote Deposit is subject to eligibility. Deposit limits and other restrictions apply. Business accounts are not eligible for Mobile Remote Deposit. Customers must be enrolled in LaGrange Banking Company’s Online Banking to use the mobile app.
Try it! Download our app on the App Store or Google Play.
 

Mobile App

Mobile Banking is now even easier.  You can securely manage your money with our simple mobile banking solutions.

Added Security Coming to Your Account Login

Why are you changing the security standards?

We care deeply about keeping your money safe while providing you with easy access to your accounts. With the continued growth of online banking, there are increased needs for greater security standards to keep you and your money well protected. In addition, the government issued new guidelines in 2011, calling for enhanced security measures for online banking. Thus, we are upgrading our security procedures to provide you with the best protection available. Our new security standards will make it even safer for you to monitor and manage your money while safeguarding against unauthorized access to your accounts.

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What are the changes?

There are two key changes that you will need to complete now:

1. We will ensure that your login is as strong as it can be. User IDs must be six characters long and they can’t be made up of only numbers (e.g. alphabetic or alphanumeric). They can be made up of a combination of letters, numbers and the following special characters: @$*_-=.!~. Your password must be six or more characters long and must contain both letters and numbers and/or symbols. If your current login does not meet these upgraded minimum requirements, you will be prompted to create a new username and/or password. In addition, if you use your member ID, you will need to create a new username. Once the upgrade is complete for all users, there will be one final step for you to take:

2. We are also implementing a new requirement to verify your identity by phone when you log in. After providing your username and password, you will be asked to provide a phone number for a phone that you have with you. We will immediately send an access code to your phone (via voice or via SMS text message) that you will enter into your computer to complete your login. You can opt to have this computer remembered, so you do not need to repeat this step each time you log in. However, you must obtain a new access code for each computer or mobile device you use to log in that is not remembered on the system.

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How will using my phone make my account safer?

We are implementing what is known as “multifactor authentication” which makes it more difficult for phishers and attackers to access your accounts without you knowing it. While this might seem unfamiliar, you actually use it every time you visit an ATM. When you access your account from any ATM, you need both your ATM card (something that you have) and PIN (something that you know). We’re implementing the same type of protection by using both your password and your phone to access your account. By doing this, even if an attacker or a phisher manages to steal your password and tries to use it to log in, they would be unsuccessful because they would need your phone as well.

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Is there anything I need to do?

If your password does not currently meet the new standards, update this information now. If you do not complete the update before the security upgrade goes live, then you will be asked to update this information upon future login. At that time, you also must have a phone handy and provide the phone number to receive your access code. You will need this phone every time that you need to receive an access code.

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Will I always need to use both my password and my phone from now on?

The first time you attempt to log in from a new computer, you will need to use both your password and the access code you receive on your phone in order to log in. If you are accessing from a private computer that you personally use, you can opt for the system to remember your computer for future logins. (See the screen example below.)

By doing this, you will not need to repeat the step of obtaining an access code via phone, and you will only need your username and password in the future to log in.

For the best security protection, we suggest that you always use both your phone and your password. If you do opt to have your computer remembered, we recommend that you do so only on computers that you personally own and that have the latest updates and virus protection software installed on them.

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How about if I log in from another computer or mobile device?

The first time you log in from another computer or mobile device, you will need to use both your password and a new phone access code to log in. However, you can choose to have your new computer/mobile device remembered on the system so you only need your username and password for future access to your account online.

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Privacy & Security

FACTS WHAT DOES LAGRANGE BANKING COMPANY DO WITH YOUR PERSONAL INFORMATION?
Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What? The types of personal information we collect and share depend on the product or service you have with us. This information can include:
  • Social Security number and income
  • account balances and payment history
  • credit history and credit scores

When you are no longer our customer, we continue to share your information as described in this notice.

How? All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons LaGrange Banking Company chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information Does LaGrange Banking Company share? Can you limit this sharing?
For our everyday business purposes— such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus Yes No
For our marketing purposes
to offer our products and services to you
Yes No
For joint marketing with other financial companies No We Don't Share
For our affiliates’ everyday business purposes— information about your transactions and experiences No We Don't Share
For our affiliates’ everyday business purposes— information about your creditworthiness No We Don't Share
For nonaffiliates to market to you No We Don't Share

Questions Call 706-884-6000 or email us HERE

 

What we do  
How does LaGrange Banking Company protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does LaGrange Banking Company collect my personal information? We collect your personal information, for example, when you
  • open an account or deposit money
  • pay your bills or apply for a loan
  • use your credit or debit card
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can’t I limit all sharing? Federal law gives you the right to limit only
  • sharing for affiliates’ everyday business purposes—information about your creditworthiness
  • affiliates from using your information to market to you
  • sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.

 
Definitions  
Affiliates                       Companies related by common ownership or control. They can be financial and nonfinancial companies.
  • LaGrange Banking Company has no affiliates
Non-Affiliates                                              Companies not related by common ownership or control. They can be financial and nonfinancial companies.
  • LaGrange Banking Company does not share with nonaffiliates so they can market to you
Joint Marketing         A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
  • LaGrange Banking Company doesn’t jointly market

 

 

Small Business Admin. Loans

If you are planning to establish a new business or need assistance in acquisition, operation or expansion of an existing business. Loans must be over $200,000.

Questionnaire

Thank you for using our Online Banking System.

We hope our online banking system has helped you save time and money while handling your personal finances.

We sincerely appreciate your business and loyalty to LaGrange Banking Company (LBC). We are constantly striving to improve our products, services, and customer support, so here's your chance to communicate your thoughts and ideas with us.

Banking Securely Online

  • Review all privacy and policy information.
  • Use unique and hard to guess login information.
  • Protect your computer.
  • Check your account balance regularly.
  • Do not access your account from public locations.
  • Verify email correspondence from bank.
  • If your account is compromised, take swift action. 

Attacks that Target Online Banking

Several types of electronic fraud specifically target online banking. Some of the more popular
types are described below: 

Phishing attacks

Phishing attacks use fake email messages from an agency or individual pretending to represent
your bank or financial institution. The email asks you to provide sensitive information (name,
password, account number, and so forth) and provides links to a counterfeit web site. If you
follow the link and provide the requested information, intruders can access your personal account
information and finances.
In some cases, pop-up windows can appear in front of a copy of a genuine bank web site. The
real web site address is displayed; however, any information you type directly into the pop-up
will go to unauthorized users. (In a similar scheme, called “Vishing,” a person calls you and pretends to be a bank representative seeking to
verify account information.)

Malware 

Malware is the term for maliciously crafted software code. Special computer programs now exist that enable intruders to fool you into believing that traditional security is protecting you during online banking transactions. Attacks involving malware are a factor in online financial crime. In fact, it is possible for this type of malicious software to perform the following operations:

  • Account information theft - Malware can capture the keystrokes for your login
    information. Malware can also monitor and capture other data you use to authenticate
    your identity (for example, special images that you selected or “magic words” you
    chose). 
  • Fake web site substitution - Malware can generate web pages that appear to be
    legitimate but are not. They replace your bank’s legitimate web site with a page that can
    look identical, except that the web address will vary in some way. Such a “man-in themiddle attack” site enables an attacker to intercept your user information. The attacker
    adds additional fields to the copy of the web page opened in your browser. When you
    submit the information, it is sent to both the bank and the malicious attacker without your
    knowledge.  
  • Account hijacking - Malware can hijack your browser and transfer funds without your
    knowledge. When you attempt to login at a bank web site, the software launches a hidden
    browser window on your computer, logs in to your bank, reads your account balance, and
    creates a secret fund transfer to the intruder-owned account.  

Pharming 

Pharming attacks involve the installation of malicious code on your computer; however, they
can take place without any conscious action on your part. In one type of pharming attack, you
open an email, or an email attachment, that installs malicious code on your computer. Later, you
go to a fake web site that closely resembles your bank or financial institution. Any information
you provide during a visit to the fake site is made available to malicious users.
All the attack types listed above share one characteristic; they are created using technology but,
in order to succeed, they need you to provide information:

  • In phishing attacks, you must provide the information or visit links.
  • With malware, you must be tricked into performing actions you would not normally do.
    You would have to install the malware on your computer either by running a program,
    such as an email attachment, or by visiting a web site through email or instant message
    link. Then, you would have to submit your bank login information. Your financial
    information would be at risk only after you performed all these steps.  
  • With pharming attacks, you must open an email, or email attachment, to become
    vulnerable. You then visit a fake website and, without your knowledge, provide
    information that compromises your financial identity. 

Tips for Safe Online Banking

When it comes to online banking, there is no way to absolutely guarantee your safety. However,
good practices do exist that can reduce the risks posed to your online accounts. The following
sections describe these practices.

For security purposes, choose an online personal identification number (PIN) that is unique and hard to guess. 

Be sure to change your PIN regularly. Do not choose a PIN that contains personal information
such as your birthday or Social Security number; an attacker might be able to guess these.
Regardless of the circumstances, never give someone access to your current PIN number (see
“Choosing and Protecting Passwords” for more information).
Install anti-virus, firewall, and anti-spyware programs on your computer and keep them up to date. 

Installing and updating this software protects your computer and its contents against unauthorized access.

You should turn on automatic updates for these programs or, if prompted,
always agree to download system updates as soon as they are available.

Regularly check your online account balance for unauthorized activity. 

Timing is a factor in your response to unauthorized electronic fund transactions. If you receive a
paper account balance, make sure that you reconcile it with your online balance.

Avoid situations where personal information can be intercepted, retrieved, or viewed by unauthorized individuals. 

You should conduct online bank transactions in locations that are not subject to public monitoring. When you are entering login information, you should avoid using unsecured or public network connections (for example, at a coffee shop or library). As a general rule, you should avoid using any computer that other people can freely access; the end result could be unauthorized access of your financial information. Remember, it is possible for your account information to be stored in the web browser’s temporary memory.

If you receive email correspondence about a financial account, verify its authenticity by contacting your bank or financial institution. 

You should not reply to any email requests for security information, warnings of an account suspension, opportunities to make easy money, overseas requests for financial assistance, and so forth. Also, links found in these suspicious emails should not be clicked. Forward a copy of the suspicious email to the Federal Trade Commission at uce@ftc.com and then delete the email from your mailbox. 

If you have disclosed financial information to a fraudulent web site, file reports with the following organizations:

  • your bank
  • the local police
  • the Federal Trade Commission – http://www.ftc.gov
  • the Internet Crime Complaint Center – http://www.ic3.gov
  • the three major credit bureaus – Equifax, Experian, and TransUnion (see “Preventing and Responding to Identity Theft” for more information). 

Conclusion

Online banking involves certain risks. It is important to educate yourself about these risks, how unauthorized access to your financial information occurs, and the steps you can take to protect your financial information. Learning about your rights and responsibilities as an online banking consumer can make a difference to your financial well-being.

Careers

If you would like to be considered for employment with LaGrange Banking Company, please forward your resume and a completed and signed application to casey.smith@lagrangebank.com, or by U.S. Mail to P.O. Box 4469, LaGrange, GA 30241, or in-person to 101 Calumet Center Road, LaGrange, GA 30241.

LaGrange Banking Company verifies satisfactory credit history and clean criminal background check prior to making a final offer of employment.

LaGrange Banking Company is an Equal Opportunity Employer.

All applications will be kept strictly confidential.

Click here for an application.

LaGrange Banking Company

LaGrange Banking Company (LBC) is Troup County's first locally owned community bank in over twenty years. We believe that the time is right to bring back the local feel and flavor of a financial institution dedicated to providing the highest levels of service and local decision making that only a community bank can. We offer a full line of banking services, both for business and personal needs. For more information about all of our products and services, please contact us at 706-884-6000.

Our Vision is to be the best provider of financial solutions to families and owner-managed businesses in LaGrange and Troup County.

As a locally owned community bank, we take advantage of our ability to provide hands-on consultative service combined with local decision making. We will utilize the highest levels of technology available while providing the level of personalized service our customers expect and deserve.

Our market focus is in three areas:

  • Business owners and professionals.
  • Real estate activities including residential and commercial construction, income producing properties, and acquisition and development lending.
  • Consumer services focused on mortgage lending activities such as lot loans, residential construction and permanent mortgage loans.

Our industry is highly regulated and competitive, yet the fundamentals are common.

We believe that banking is all about building long-term relationships with our customers, our shareholders and our community. To that end, we strive to develop a corporate culture of trust, openness, stewardship, and servant leadership.

Home Equity Line of Credit

LaGrange Banking Company offers a home equity line of credit (HELOC) up to 90% of the value of your  home. There are no closing costs for you to pay. Since your property is being used as collateral, interest paid on the HELOC may be tax deductible. The consumer should consult a tax adviser for further information regarding the deductibility of interest and charges. Once the line is established, you make monthly, interest only payments for ten years. The benefit of the equity line is that you can use and reuse the money over the life of the loan. So once you pay it down, you have available credit to use again. Your interest payment will adjust monthly based on the amount you have drawn off the line of credit. 

Terms

LaGrange Banking Company Online Services Agreement and Disclosure

This Online Services Agreement and Disclosure ("the Agreement") explains the terms and conditions governing basic online services and bill pay services offered by LaGrange Banking Company. By using any of the LaGrange Banking Company’s Online Services, including mobile banking and mobile applications, you agree to abide by the terms and conditions of this Agreement. The term "Online Banking" and "Internet Banking" refers to "Personal Banking Services" and "Business Banking Services". The terms "we", "us" and "our" refer to LaGrange Banking Company. "You" refers to each person who enrolls for LaGrange Banking Company’s Online Banking The term "business days" means Monday through Friday, excluding Saturday, Sunday and LaGrange Banking Company holidays.

Transfers You May Make Using Online Banking

Transfers Between Deposit Accounts – You can transfer funds between your deposit accounts with us (i.e., checking or savings accounts).

Transfers from Your Deposit Accounts to a Loan Account – You can transfer funds from a deposit account to a loan account to make loan payments.

Transfers from Lines of Credit – If you have a line of credit with us, you may use Online Banking to obtain an advance on that line, within your credit limit, and deposit it to a deposit account.

Bill Payments – If you sign up for Bill Payment Services, you may pay bills directly from your deposit Accounts in the amounts and on the days you request. Bill Payment Services are provided by a third party, CheckFree Services that is not affiliated with us. See below for more information on Bill Payment Services.

  1. Account Requirements. In order to subscribe to the Service, you must have at least one account with us. Online Banking and each of your accounts are also governed by the applicable Disclosures, Rates, and Fee Schedules provided by LaGrange Banking Company. You are responsible for paying any additional fees that may be assessed by your Internet Service Provider and for any telephone charges or fees incurred by accessing LaGrange Banking Company’s Online Banking.

  2. Acceptance. Your completed enrollment in and initial use of Internet Banking and Online Bill Pay Service constitutes your acceptance and agreement to be bound by all of the terms and conditions of this Agreement, by the Disclosures, Rates, and Fee Schedules applicable to your accounts, and acknowledges your receipt and understanding of this agreement. LaGrange Banking Company is entitled to act on instructions received through your secure login profile. However, do not, under any circumstances, disclose your secure login profile by telephone or to any one claiming to represent LaGrange Banking Company; LaGrange Banking Company employees do not need and should not ask for your secure login profile. You are liable for all transactions made or authorized using your secure login profile. LaGrange Banking Company has no responsibility for establishing the identity of any person using your secure login profile. If, despite LaGrange Banking Company’s advice, you give your secure login profile to anyone, you do so at your own risk since anyone to whom you give your secure login profile or other means of access will have full access to your accounts even if you attempt to limit that person's authority. You must notify LaGrange Banking Company that your secure login profile has been lost, stolen or otherwise compromised and should not be honored and must be disabled.

  3. Authorized Use (Joint Accountholders and Authorized Signers) You hereby release LaGrange Banking Company from any liability and agree not to make any claim or bring any action against us for honoring or allowing any actions or transactions where you have authorized the person performing the action or transaction to use your account(s) and/or you have given your secure login profile to such person, or, in the case of a jointly held account such person is one of the owners of the account. A person who has been furnished your secure login profile is considered an authorized user, unless you contact the Bank, verify your identity, and have your secure login profile reset. You agree to indemnify LaGrange Banking Company and hold it harmless from and against any and all liability (including but not limited to reasonable attorney fees) arising from any such claims or actions.

  4. Limits on Transfers from Accounts. Federal regulations limit the number of certain types of transfers from savings and money market deposit accounts. You are limited to six pre-authorized electronic fund transfers and telephone transfers, including bill payment transactions, checks and point-of-sale transactions, per month. Each fund transfer or bill payment through the Service from your savings or money market deposit Account is counted as one of the six transfers you are permitted each month. Your ability to transfer funds from certain Accounts is also subject to the Account Agreements. You should refer to these agreements for legal restrictions and service charges applicable for excessive withdrawals and transfers.

  5. Limitations of Bank's Responsibility for Processing Transactions. We will not be liable for any losses resulting from transactions not being processed in relation to any of the following circumstances:

    1. If, through no fault of ours, you do not have enough money in your Account to make the transfer;

    2. If the transfer would go over the credit limit on your overdraft line;

    3. If the funds in your Account were attached or the transfer cannot be made because of legal restrictions affecting your Account;

    4. If any system or any software was not working properly and you knew about the breakdown when you started the transfer;

    5. If circumstances beyond our control (such as interruption of telephone service or telecommunication facilities, or natural disaster such as a fire or flood) prevent the transfer, despite reasonable precautions that we have taken;

    6. If you have not provided us with complete and correct transfer or payment information, including without limitation, the name, address, account number and payment amount for the Payee on a bill payment;

    7. If you have not properly followed the instructions for using the Service or any software;

    8. If your operating system or software was not properly installed or functioning properly; or

    9. If you are unable to access your Account or the Service due to Internet facility or service provider delays or other problems.

    10. There may be other exceptions stated in our agreement with you. The Bank's sole responsibility for an error in a fund transfer or bill payment will be to correct the error, but in no case shall the Bank be liable for any indirect, punitive, special, incidental or consequential damages (even if you have informed us of the possibility of such damages). In states which do not allow the exclusion or limitation of liability for indirect, punitive, special, incidental or consequential damages, the Bank's liability is limited to the extent permitted by Applicable Law (as defined below). Our service providers are independent contractors and not our agents. To the extent permitted by Applicable Law, we will not be responsible for any error, damage or other loss caused by any service provider.

  6. Availability of Service. The Service will be accessible 24 hours a day, seven days a week. The Service may be inaccessible for a reasonable period on a daily basis for system maintenance. We shall not be liable under this Agreement for failure to provide access. Your access to the Service shall be determined in the sole discretion of the Bank. Subject to applicable law, the Bank reserves the right to modify, suspend, or terminate access to the Service at any time and for any reason without notice or refund of previously incurred fees.

  7. Amendments. LaGrange Banking Company has the right to modify or terminate this agreement at any time. We will comply with any notice requirements under applicable law for such changes or termination. If we terminate this Agreement, no further Online Banking transfers or bill payments will be made, including but not limited to any payments or transfers scheduled in advance or any pre-authorized recurring payments or transfers. If we modify this Agreement, your continued use of LaGrange Banking Company’s Internet Banking will constitute your acceptance of such changes in each instance.

  8. DISCLAIMER OF WARRANTIES. NEITHER THE BANK NOR ANY SERVICE PROVIDER MAKES ANY WARRANTY, EXPRESS OR IMPLIED, TO YOU CONCERNING THE SERVICE, INCLUDING, WITHOUT LIMITATION, ANY WARRANTY OF MERCHANTABILITY OR FITNESS FOR PARTICULAR PURPOSE OR NON-INFRINGEMENT OF THIRD-PARTY RIGHTS, UNLESS DISCLAIMING SUCH WARRANTY IS PROHIBITED BY APPLICABLE LAW.

  9. Reporting Unauthorized Transactions. You should notify us immediately if you believe your secure login profile has been lost or stolen or that someone has transferred or may transfer money from your account without your permission.

  10. ERROR RESOLUTION NOTICE: In case of errors or questions about your
    Internet Banking Services and Bill Payment Service, call (706)884-6000.


TERMS AND CONDITIONS OF THE BILL PAYMENT SERVICE

In addition to the above content, if you decide to use the online Bill Payment Service, you acknowledge and agree to the following terms and conditions of service.


SERVICE DEFINITIONS
"Service" means the Bill Payment Service offered by LaGrange Banking Co, through CheckFree Services Corporation.

"Agreement" means these Terms and Conditions of the bill payment service.

"Payee" is the person or entity to which you wish a bill payment to be directed or is the person or entity from which you receive electronic bills, as the case may be.

"Payment Instruction" is the information provided by you to the Service for a bill payment to be made to the Payee (such as, but not limited to, Payee name, Payee account number, and Scheduled Payment Date).

"Payment Account" is the checking account from which bill payments will be debited.

"Billing Account" is the checking account from which all Service fees will be automatically debited.

"Business Day" is every Monday through Friday, excluding Federal Reserve holidays.

"Scheduled Payment Date" is the day you want your Payee to receive your bill payment and is also the day your Payment Account will be debited, unless the Scheduled Payment Date falls on a non-Business Day in which case it will be considered to be the previous Business Day.

"Due Date" is the date reflected on your Payee statement for which the payment is due. It is not the late date or grace period.

"Scheduled Payment" is a payment that has been scheduled through the Service but has not begun processing.

PAYMENT SCHEDULING
Transactions begin processing four (4) Business Days prior to your Scheduled Payment Date. Therefore, the application will not permit you to select a Scheduled Payment Date less than four (4) Business Days from the current date. When scheduling payments you must select a Scheduled Payment Date that is no later than the actual Due Date reflected on your Payee statement unless the Due Date falls on a non-Business Day. If the actual Due Date falls on a non-Business Day, you must select a Scheduled Payment Date that is at least one (1) Business Day before the actual Due Date. Scheduled Payment Dates should be prior to any late date or grace period.

THE SERVICE GUARANTEE
Due to circumstances beyond the control of the Service, particularly delays in handling and posting payments by Payees or financial institutions, some transactions may take longer to be credited to your account. The Service will bear responsibility for any late payment related charges up to $50.00 should a payment post after its Due Date as long as the payment was scheduled in accordance with the guidelines described under "Payment Scheduling" in this Agreement.

PAYMENT AUTHORIZATION AND PAYMENT REMITTANCE
By providing the Service with names and account information of Payees to whom you wish to direct payments, you authorize the Service to follow the Payment Instructions that it receives through the payment system. In order to process payments more efficiently and effectively, the Service may edit or alter payment data or data formats in accordance with Payee directives.

When the Service receives a Payment Instruction, you authorize the Service to debit your Payment Account and remit funds on your behalf so that the funds arrive as close as reasonably possible to the Scheduled Payment Date designated by you. You also authorize the Service to credit your Payment Account for payments returned to the Service by the United States Postal Service or Payee, or payments remitted to you on behalf of another authorized user of the Service.

The Service will use its best efforts to make all your payments properly. However, the Service shall incur no liability and any Service Guarantee shall be void if the Service is unable to complete any payments initiated by you because of the existence of any one or more of the following circumstances:

  1. If, through no fault of the Service, your Payment Account does not contain sufficient funds to complete the transaction or the transaction would exceed the credit limit of your overdraft account;

  2. The payment processing center is not working properly and you know or have been advised by the Service about the malfunction before you execute the transaction;

  3. You have not provided the Service with the correct Payment Account information, or the correct name, address, phone number, or account information for the Payee; and/or,

  4. Circumstances beyond control of the Service (such as, but not limited to, fire, flood, or interference from an outside force) prevent the proper execution of the transaction and the Service has taken reasonable precautions to avoid those circumstances.

Provided none of the foregoing exceptions are applicable, if the Service causes an incorrect amount of funds to be removed from your Payment Account or causes funds from your Payment Account to be directed to a Payee which does not comply with your Payment Instructions, the Service shall be responsible for returning the improperly transferred funds to your Payment Account, and for directing to the proper Payee any previously misdirected transactions, and, if applicable, for any late payment related charges.

PAYMENT METHODS
The Service reserves the right to select the method in which to remit funds on your behalf to your Payee. These payment methods may include, but may not be limited to, an electronic payment, an electronic to check payment, or a laser draft payment.

PAYMENT CANCELLATION REQUESTS
You may cancel or edit any Scheduled Payment (including recurring payments) by following the directions within the application. There is no charge for canceling or editing a Scheduled Payment. Once the Service has begun processing a payment it cannot be cancelled or edited, therefore a stop payment request must be submitted.

STOP PAYMENT REQUESTS
The Service's ability to process a stop payment request will depend on the payment method and whether or not a check has cleared. The Service may also not have a reasonable opportunity to act on any stop payment request after a payment has been processed. If you desire to stop any payment that has already been processed, you must contact Customer Service. Although the Service will make every effort to accommodate your request, the Service will have no liability for failing to do so. The Service may also require you to present your request in writing within fourteen (14) days. The charge for each stop payment request will be the current charge for such service as set out in the applicable fee schedule.

PROHIBITED PAYMENTS
Payments to Payees outside of the United States or its territories are prohibited through the Service.

EXCEPTION PAYMENTS
Tax payments and court ordered payments may be scheduled through the Service, however such payments are discouraged and must be scheduled at your own risk. In no event shall the Service be liable for any claims or damages resulting from your scheduling of these types of payments. The Service Guarantee as it applies to any late payment related charges is void when these types of payments are scheduled and/or processed by the Service. The Service has no obligation to research or resolve any claim resulting from an exception payment. All research and resolution for any misapplied, mis-posted or misdirected payments will be the sole responsibility of you and not of the Service.

BILL DELIVERY AND PRESENTMENT
This feature is for the presentment of electronic bills only and it is your sole responsibility to contact your Payees directly if you do not receive your statements. In addition, if you elect to activate one of the Service's electronic bill options, you also agree to the following:

Information provided to the Payee - The Service is unable to update or change your personal information such as, but not limited to, name, address, phone numbers and e-mail addresses, with the electronic Payee. Any changes will need to be made by contacting the Payee directly. Additionally it is your responsibility to maintain all usernames and passwords for all electronic Payee sites. You also agree not to use someone else's information to gain unauthorized access to another person's bill.

Activation - Upon activation of the electronic bill feature the Service may notify the Payee of your request to receive electronic billing information. The presentment of your first electronic bill may vary from Payee to Payee and may take up to sixty (60) days, depending on the billing cycle of each Payee. Additionally, the ability to receive a paper copy of your statement(s) is at the sole discretion of the Payee. While your electronic bill feature is being activated it is your responsibility to keep your accounts current. Each electronic Payee reserves the right to accept or deny your request to receive electronic bills.

Notification - The Service will use its best efforts to present all of your electronic bills promptly. In addition to notification within the Service, the Service may send an e-mail notification to the e-mail address listed for your account. It is your sole responsibility to ensure that this information is accurate. In the event you do not receive notification, it is your responsibility to periodically logon to the Service and check on the delivery of new electronic bills. The time for notification may vary from Payee to Payee. You are responsible for ensuring timely payment of all bills.

Cancellation of electronic bill notification - The electronic Payee reserves the right to cancel the presentment of electronic bills at any time. You may cancel electronic bill presentment at any time. The timeframe for cancellation of your electronic bill presentment may vary from Payee to Payee. It may take up to sixty (60) days, depending on the billing cycle of each Payee. The Service will notify your electronic Payee(s) as to the change in status of your account and it is your sole responsibility to make arrangements for an alternative form of bill delivery. The Service will not be responsible for presenting any electronic bills that are already in process at the time of cancellation.

Non-Delivery of electronic bill(s) - You agree to hold the Service harmless should the Payee fail to deliver your statement(s). You are responsible for ensuring timely payment of all bills. Copies of previously delivered bills must be requested from the Payee directly.

Accuracy and dispute of electronic bill - The Service is not responsible for the accuracy of your electronic bill(s). The Service is only responsible for presenting the information we receive from the Payee. Any discrepancies or disputes regarding the accuracy of your electronic bill summary or detail must be addressed with the Payee directly.

This Agreement does not alter your liability or obligations that currently exist between you and your Payees.

EXCLUSIONS OF WARRANTIES
THE SERVICE AND RELATED DOCUMENTATION ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.

PASSWORD AND SECURITY
You agree not to give or make available your password or other means to access your account to any unauthorized individuals. You are responsible for all payments you authorize using the Service. If you permit other persons to use the Service or your password or other means to access your account, you are responsible for any transactions they authorize. If you believe that your password or other means to access your account has been lost or stolen or that someone may attempt to use the Service without your consent or has transferred money without your permission, you must notify the Service at once by calling 706-884-7000 during customer service hours.

YOUR LIABILITY FOR UNAUTHORIZED TRANSFERS
If you tell us within two (2) Business Days after you discover your password or other means to access your account has been lost or stolen, your liability is no more than $50.00 should someone access your account without your permission. If you do not tell us within two (2) Business Days after you learn of such loss or theft, and we can prove that we could have prevented the unauthorized use of your password or other means to access your account if you had told us, you could be liable for as much as $500.00. If your monthly financial institution statement contains transfers that you did not authorize, you must tell us at once. If you do not tell us within sixty (60) days after the statement was sent to you, you may lose any amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking the money had you told us in time. If a good reason (such as a long trip or a hospital stay) prevented you from telling us, we may extend the period.

ERRORS AND QUESTIONS
In case of errors or questions about your transactions, you should as soon as possible notify us via one of the following:

  1. Telephone us at 706-884-6000 during customer service hours;

  2. Contact us by using the application's e-messaging feature; and/or,

  3. Write us at:

LaGrange Banking Company
PO Box 4469
LaGrange,GA 30241

If you think your statement is incorrect or you need more information about a Service transaction listed on the statement, we must hear from you no later than sixty (60) days after the FIRST statement was sent to you on which the problem or error appears. You must:

  1. Tell us your name and Service account number;

  2. Describe the error or the transaction in question, and explain as clearly as possible why you believe it is an error or why you need more information; and,

  3. Tell us the dollar amount of the suspected error.

If you tell us verbally, we may require that you send your complaint in writing within ten (10) Business Days after your verbal notification. We will tell you the results of our investigation within ten (10) Business Days after we hear from you, and will correct any error promptly. However, if we require more time to confirm the nature of your complaint or question, we reserve the right to take up to forty-five (45) days to complete our investigation. If we decide to do this, we will provisionally credit your Payment Account within ten (10) Business Days for the amount you think is in error. If we ask you to submit your complaint or question in writing and we do not receive it within ten (10) Business Days, we may not provisionally credit your Payment Account. If it is determined there was no error we will mail you a written explanation within three (3) Business Days after completion of our investigation. You may ask for copies of documents used in our investigation. The Service may revoke any provisional credit provided to you if we find an error did not occur.

DISCLOSURE OF ACCOUNT INFORMATION TO THIRD PARTIES
It is our general policy to treat your account information as confidential. However, we will disclose information to third parties about your account or the transactions you make ONLY in the following situations:

  1. Where it is necessary for completing transactions;

  2. Where it is necessary for activating additional services;

  3. In order to verify the existence and condition of your account to a third party, such as a credit bureau or Payee;

  4. To a consumer reporting agency for research purposes only;

  5. In order to comply with a governmental agency or court orders; or,

  6. If you give us your written permission.

SERVICE FEES AND ADDITIONAL CHARGES
Any applicable fees will be charged regardless of whether the Service was used during the billing cycle. There may be a charge for additional transactions and other optional services. You agree to pay such charges and authorize the Service to deduct the calculated amount from your designated Billing Account for these amounts and any additional charges that may be incurred by you. Any financial fees associated with your standard deposit accounts will continue to apply. You are responsible for any and all telephone access fees and/or Internet service fees that may be assessed by your telephone and/or Internet service provider.

FAILED OR RETURNED TRANSACTIONS
In using the Service, you are requesting the Service to make payments for you from your Payment Account. If we are unable to complete the transaction for any reason associated with your Payment Account (for example, there are insufficient funds in your Payment Account to cover the transaction), the transaction will not be completed. In some instances, you will receive a return notice from the Service. In such case, you agree that:

  1. You will reimburse the Service immediately upon demand the transaction amount that has been returned to the Service;

  2. For any amount not reimbursed to the Service within fifteen (15) days of the initial notification, a late charge equal to 1.5% monthly interest or the legal maximum, whichever rate is lower, for any unpaid amounts may be imposed;

  3. You will reimburse the Service for any fees imposed by your financial institution as a result of the return;

  4. You will reimburse the Service for any fees it incurs in attempting to collect the amount of the return from you; and,

  5. The Service is authorized to report the facts concerning the return to any credit reporting agency.

ALTERATIONS AND AMENDMENTS
This Agreement, applicable fees and service charges may be altered or amended by the Service from time to time. In such event, the Service shall provide notice to you. Any use of the Service after the Service provides you a notice of change will constitute your agreement to such change(s). Further, the Service may, from time to time, revise or update the applications, services, and/or related material, which may render all such prior versions obsolete. Consequently, the Service reserves the right to terminate this Agreement as to all such prior versions of the applications, services, and/or related material and limit access to only the Service's more recent revisions and updates.

ADDRESS OR BANKING CHANGES
It is your sole responsibility to ensure that the contact information in your user profile is current and accurate. This includes, but is not limited to, name, address, phone numbers and email addresses. Changes can be made either within the application or by contacting Customer Service. Any changes in your Payment Account should also be made in accordance with the procedures outlined within the application's Help files. All changes made are effective immediately for scheduled and future payments paid from the updated Payment Account information. The Service is not responsible for any payment processing errors or fees incurred if you do not provide accurate Payment Account or contact information.

SERVICE TERMINATION, CANCELLATION, OR SUSPENSION
In the event you wish to cancel the Service, you may have the ability to do so through the product, or you may contact customer service via one of the following:

  1. Telephone us at 706-884-6000 during customer service hours; and/or

  2. Write us at:

LaGrange Banking Company
PO Box 4469
LaGrange,GA 30241

Any payment(s) the Service has already processed before the requested cancellation date will be completed by the Service. All Scheduled Payments including recurring payments will not be processed once the Service is cancelled. The Service may terminate or suspend Service to you at any time. Neither termination nor suspension shall affect your liability or obligations under this Agreement.

PAYEE LIMITATION
The Service reserves the right to refuse to pay any Payee to whom you may direct a payment. The Service will notify you promptly if it decides to refuse to pay a Payee designated by you. This notification is not required if you attempt to make a prohibited payment or an exception payment under this Agreement.

RETURNED PAYMENTS In using the Service, you understand that Payees and/or the United States Postal Service may return payments to the Service for various reasons such as, but not limited to, Payee's forwarding address expired; Payee account number is not valid; Payee is unable to locate account; or Payee account is paid in full. The Service will use its best efforts to research and correct the returned payment and return it to your Payee, or void the payment and credit your Payment Account. You may receive notification from the Service.

INFORMATION AUTHORIZATION
Your enrollment in the Service may not be fulfilled if the Service cannot verify your identity or other necessary information. Through your enrollment in the Service, you agree that the Service reserves the right to request a review of your credit rating at its own expense through an authorized bureau. In addition, you agree that the Service reserves the right to obtain financial information regarding your account from a Payee or your financial institution (for example, to resolve payment posting problems or for verification).

DISPUTES
In the event of a dispute regarding the Service, you and the Service agree to resolve the dispute by looking to this Agreement. You agree that this Agreement is the complete and exclusive statement of the agreement between you and the Service which supersedes any proposal or prior agreement, oral or written, and any other communications between you and the Service relating to the subject matter of this Agreement. If there is a conflict between what an employee of the Service or Customer Service Department says and the terms of this Agreement, the terms of this Agreement will prevail.

ASSIGNMENT
You may not assign this Agreement to any other party. The Service may assign this Agreement to any future, directly or indirectly, affiliated company. The Service may also assign or delegate certain of its rights and responsibilities under this Agreement to independent contractors or other third parties.

NO WAIVER The Service shall not be deemed to have waived any of its rights or remedies hereunder unless such waiver is in writing and signed by the Service. No delay or omission on the part of the Service in exercising any rights or remedies shall operate as a waiver of such rights or remedies or any other rights or remedies. A waiver on any one occasion shall not be construed as a bar or waiver of any rights or remedies on future occasions.

CAPTIONS
The captions of sections hereof are for convenience only and shall not control or affect the meaning or construction of any of the provisions of this Agreement.

GOVERNING LAW
This Agreement shall be governed by and construed in accordance with the laws of the State of Georgia, without regard to its conflicts of laws provisions.

THE FOREGOING SHALL CONSTITUTE THE SERVICE'S ENTIRE LIABILITY AND YOUR EXCLUSIVE REMEDY. IN NO EVENT SHALL THE SERVICE BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING LOST PROFITS (EVEN IF ADVISED OF THE POSSIBILITY THEREOF) ARISING IN ANY WAY OUT OF THE INSTALLATION, USE, OR MAINTENANCE OF THE EQUIPMENT, SOFTWARE, AND/OR THE SERVICE.

FinanceWorks & Purchase Rewards -- End User License Agreement

In addition to the above content, if you decide to use either FinanceWorks or the Purchase Rewards application, you acknowledge and agree to the following terms and conditions of service.

LICENSE GRANT AND RESTRICTIONS. You are granted a personal, limited, non-exclusive, non-transferable license, to electronically access and use the FinanceWorks Service (the "Service") solely to manage your financial data, and the Purchase Rewards application ("Purchase Rewards") to benefit from your debit card purchases.

In addition to the FinanceWorks Service and Purchase Rewards, the terms "Service" and "Purchase Rewards" also include any other programs, tools, internet-based services, components and any "updates" (for example, Service maintenance, Purchase Rewards information, help content, bug fixes, or maintenance releases, etc.) of the Service or Purchase Rewards if and when they are made available to you by us or by our third party vendors. Certain Service and Purchase Rewards may be accompanied by, and will be subject to, additional terms and conditions.

You are not licensed or permitted to do any of the following and you may not allow any third party to do any of the following: (i) access or attempt to access any other systems, programs or data that are not made available for public use; (ii) copy, reproduce, republish, upload, post, transmit, resell or distribute in any way the material from the FinanceWorks site or from the Purchase Rewards program; (iii) permit any third party to benefit from the use or functionality of the Service or Purchase Rewards, or any other services provided in connection with them, via a rental, lease, timesharing, service bureau, or other arrangement; (iv) transfer any of the rights granted to you under this license; (v) work around any technical limitations in the Service, use any tool to enable features or functionalities that are otherwise disabled in the Service, or decompile, disassemble, or otherwise reverse engineer the Service except as otherwise permitted by applicable law; (vi) perform or attempt to perform any actions that would interfere with the proper working of the Service or Purchase Rewards or any services provided in connection with them, prevent access to or the use of the Service, Purchase Rewards or any or services provided in connection with them by other licensees or customers, or impose an unreasonable or disproportionately large load on the infrastructure while using the Service; or (vii) otherwise use the Service, Purchase Rewards or any services provided in connection with them except as expressly allowed under this Section 1.

OWNERSHIP. The Service and Purchase Rewards are protected by copyright, trade secret and other intellectual property laws. You do not have any rights to the trademarks or service marks.

YOUR INFORMATION AND ACCOUNT DATA WITH US. You are responsible for (i) maintaining the confidentiality and security of your access number(s), password(s), security question(s) and answer(s), account number(s), login information, and any other security or access information, used by you to access the Service, Purchase Rewards or any services provided in connection with them, and your accounts with us (collectively, "Licensee Access Information"), and (ii) preventing unauthorized access to or use of the information, files or data that you store or use in or with the Service, Purchase Rewards or any services provided in connection with them (collectively, "Account Data"). You are responsible for providing access and assigning passwords to other users, if any, under your account for the Service, Purchase Rewards or any services provided in connection with them, and ensuring that such authorized users comply with this Agreement. You will be responsible for all electronic communications, including account registration and other account holder information, email and financial, accounting and other data ("Communications") entered using the Licensee Access Information. It is assumed that any Communications received through use of the Licensee Access Information were sent or authorized by you. You agree to immediately notify us if you become aware of any loss, theft or unauthorized use of any Licensee Access Information. We reserve the right to deny you access to the Service, Purchase Rewards or any services provided in connection with them (or any part thereof) if we reasonably believe that any loss, theft or unauthorized use of Licensee Access Information has occurred. You must inform us of, and hereby grant to us and our third party vendors permission to use, Licensee Access Information to enable us to provide the Service, Debit Rewards Offers or any services provided in connection with them to you, including updating and maintaining Account Data, addressing errors or service interruptions, and to enhance the types of data and services we may provide to you in the future.

We may use anonymous, aggregate information, which we collect and store, or which is collected and stored on our behalf by third party vendors, to conduct certain analytical research and help us to create new offerings and services for our customers. As we make additional offerings and online banking services available to you, some of which may rely on banking information maintained in your accounts, you will have the opportunity to participate in the services if you choose. If you choose not to participate, you do not need to notify us. We may also use anonymous, aggregate information which we collect and store, or which is collected and stored on our behalf by third party vendors, to (i) conduct database marketing and marketing program execution activities; (ii) publish summary or aggregate results relating to metrics comprised of research data from time to time; and (iii) distribute or license such aggregated research data to third parties. Additionally, automated technology may be used to tailor messages or advertisements that best reflect your interest and needs.

YOUR INFORMATION AND ACCOUNT DATA WITH OTHER FINANCIAL INSTITUTIONS. Our financial management tools allow you to view accounts that you may have outside our financial institution (this is a process called "aggregation"). When you choose to use online financial services which are applicable to data that you have transacted with other financial institutions or card issuers, you are consenting to us accessing and aggregating your data from those outside financial institutions. That data includes your financial institution account access number(s), password(s), security question(s) and answer(s), account number(s), login information, and any other security or access information used to access your account(s) with other financial institutions, and the actual data in your account(s) with such financial institution(s) such as account balances, debits and deposits (collectively, "Financial Account Data"). In giving that consent, you are agreeing that we, or a third party vendor on our behalf, may use, copy and retain all non-personally identifiable information of yours for the following purposes: (i) as pertains to the use, function, or performance of the services which you have selected; (ii) as necessary or useful in helping us, or third parties on our behalf, to diagnose or correct errors, problems, or defects in the services you have selected; (iii) for measuring downloads, acceptance, or use of the services you have selected; (iv) for the security or protection of the services you have selected; (v) for the evaluation, introduction, implementation, or testing of the services you have selected, or their upgrade, improvement or enhancement; (vi) to assist us in performing our obligations to you in providing the services you have selected.

If we make additional online financial services available to you which are applicable to data that you have transacted with other financial institutions or card issuers, and which we will aggregate at this site, we will separately ask for your consent to collect and use that information to provide you with relevant offers and services. If you give us your consent, you will be agreeing to permit us to use Financial Account Data to help us suggest savings opportunities or additional products and services to you.

If you select services that are offered by third parties or merchants through such offers or on our behalf, you will be agreeing that we have your consent to give such third parties or merchants your geographic location, and other data, collected and stored in aggregate, as necessary for such third parties or merchants to make their offerings and services available to you and to permit us to use Financial Account Data to help us suggest savings opportunities or additional products and services to you. Except as specified here, we and the third parties or merchants acting on our behalf shall not use or keep any of your personally identifiable information.

USE, STORAGE AND ACCESS. We shall have the right, in our sole discretion and with reasonable notice posted on the FinanceWorks site and/or sent to your email address provided in the Registration Data, to establish or change limits concerning use of the Service and any related services, temporarily or permanently, including but not limited to (i) the amount of storage space you have available through the Service at any time, and (ii) the number of times (and the maximum duration for which) you may access the Service in a given period of time. We reserve the right to make any such changes effective immediately to maintain the security of the system or Licensee Access Information or to comply with any laws or regulations, and to provide you with electronic or written notice within thirty (30) days after such change. You may reject changes by discontinuing use of the Service and any related services to which such changes relate. Your continued use of the Service or any related services will constitute your acceptance of and agreement to such changes. Maintenance of the Service or any related services may be performed from time-to-time resulting in interrupted service, delays or errors in such Service or related services. Attempts to provide prior notice of scheduled maintenance will be made, but we cannot guarantee that such notice will be provided.

THIRD PARTY SERVICES. In connection with your use of the Service, Purchase Rewards, or any other services provided in connection with them, you may be made aware of services, products, offers and promotions provided by third parties, ("Third Party Services"). If you decide to use Third Party Services, you are responsible for reviewing and understanding the terms and conditions governing any Third Party Services. You agree that the third party is responsible for the performance of the Third Party Services.

THIRD PARTY WEBSITES. The Service may contain or reference links to websites operated by third parties ("Third Party Websites"). These links are provided as a convenience only. Such Third Party Websites are not under our control. We are not responsible for the content of any Third Party Website or any link contained in a Third Party Website. We do not review, approve, monitor, endorse, warrant, or make any representations with respect to Third Party Websites, and the inclusion of any link in the Service, Purchase Rewards or any other services provided in connection with them is not and does not imply an affiliation, sponsorship, endorsement, approval, investigation, verification or monitoring by us of any information contained in any Third Party Website. In no event will we be responsible for the information contained in such Third Party Website or for your use of or inability to use such website. Access to any Third Party Website is at your own risk, and you acknowledge and understand that linked Third Party Websites may contain terms and privacy policies that are different from ours. We are not responsible for such provisions, and expressly disclaim any liability for them.

EXPORT RESTRICTIONS. You acknowledge that the Service may contain or use software that is subject to the U.S. Export Administration Regulations (15 CFR, Chapter VII) and that you will comply with these regulations. You will not export or re-export the Service, directly or indirectly, to: (1) any countries that are subject to US export restrictions; (2) any end user who has been prohibited from participating in US export transactions by any federal agency of the US government; or (3) any end user who you know or have reason to know will utilize them in the design, development or production of nuclear, chemical or biological weapons. You further acknowledge that this product may include technical data subject to export and re-export restrictions imposed by US law.

PURCHASE REWARDS OFFERS. If you decide you wish to participate in the Purchase Rewards application, you acknowledge and agree to the following terms and conditions of service.

Purchase Rewards. You will earn rewards for your participation in the Purchase Rewards program based on total purchases. If you participate in the Purchase Rewards, we will credit all cash or point rewards earned to your rewards balance and send you a lump sum of all rewards due to you. For any qualifying purchases during the current month, we will distribute the lump sum amount to you during the following calendar month. For example, if the payment date of all rewards end user disbursements is August 30, the applicable Measurement Period would be the calendar month ended July 31. Cash rewards will be deposited in the Purchase Rewards deposit account which is associated with the Debit Rewards Offers program.

Purchase Rewards Account. You must use the debit card associated with the Purchase Rewards account in order to receive the offers which qualify for the rewards. Rewards will not be earned for any portion of your purchase that you pay for with store credit, gift certificates or other payment types.

Purchases must be made as indicated in the offers made available under the Purchase Rewards program. Each offer will specify whether the purchase can be made online, at a store location, or by telephone to be eligible for rewards. You must also comply with any guidelines included with the offer, such as offer expiration dates, minimum purchase amounts, purchase limits, etc. You must also pay using the debit card associated with the account that received the Purchase Rewards offer in order for the purchase to qualify.

While we and the merchants work hard to properly track and credit all eligible purchases, there may be times that we are unable to do so because of problems with your internet browser, the merchant's web site or our system. Please contact our support team if you believe you have made a qualifying purchase for which you did not receive Rewards.

Please note that you will not earn rewards as part of this program if you use a debit card not issued by us or do not have the designated deposit account opened with us at the time of disbursement.

You understand and agree that we make no warranties and have no liability as to:

  • Any offers, commitments, promotions, money back, or other incentives offered by any of the merchants in the Debit Rewards Offers program.

  • The rewards information that we provide to you, which is provided "as is" and "as available".

  • (i) your inability to comply with offer guidelines, (ii) the accuracy, timeliness, loss or corruption, or mis-delivery, of any qualifying purchase information or any other information, (iii) unauthorized access to your account(s) or to your account information and any misappropriation, or alteration, of your account information or data, to the extent that the unauthorized access results from your acts or omissions, or (iv) your inability to access your account(s) including, but not limited to, failure of electronic or mechanical equipment, interconnect problems with telephone providers or internet service providers, acts of God, strikes, or other labor problems.

  • Some states do not allow limitations on how long an implied warranty lasts, so that the above limitations may not apply to you, and that you may also have other rights, which vary from state to state.

LaGrange Banking Company E-Sign Disclosure and Consent

In addition to the above content, if you decide to access your statements in electronic format through the LaGrange Banking Company’s Online Banking, you acknowledge and agree to the following terms and conditions of service.

This E-Sign Disclosure and Consent applies to all Communications for those products, services, and Accounts offered or accessible through LaGrange Banking Company’s Online Banking Service. Please read this Disclosure and Consent in its entirety as it contains important information.

In this Disclosure and Consent, the words "I", "Me," and "My" mean each person who electronically accepts the terms and conditions of this document. The words "Account Number" mean the account number that I entered to access this Disclosure and Consent. The word "Account" means any and all accounts held by Me at LaGrange Banking Company including, but not limited to, accounts such as checking, savings, retirement, money market, certificate, and loan accounts. "Communications" mean any customer agreements or amendments thereto, monthly billing or account statements, disclosures, notices, responses to claims, transaction history, privacy policies and all other information related to the product, service or Account, including but not limited to information that we are required by law to provide you in writing.

I agree that LaGrange Banking Company may provide Me with any Communications in electronic format, and that LaGrange Banking Company may discontinue sending paper Communications to Me, unless and until I withdraw My consent as described below. My consent to receive electronic Communications includes, but is not limited to:

  • All legal and regulatory disclosures and communications associated with the Account or the product or service available through LaGrange Banking Company’s Online Banking Service

  • Notices or disclosures about a change in the terms of My Account(s) and responses to claims

  • Notice of insufficient funds in My Account(s)

  • Privacy policies and notices

I also understand that pursuant to My account and/or loan agreements with LaGrange Banking Company, I may be entitled to receive periodic account statements in connection with My Account such as savings account statements and/or home equity line of credit statements ("Account Statements"). By indicating My acceptance of these terms and conditions and My consent to receive electronic Communications, I authorize LaGrange Banking Company to discontinue sending Me such periodic Account Statements via postal mail service and to instead deliver such periodic Account Statements to me electronically ("E-Statements").

All Communications that LaGrange Banking Company may provide to Me in electronic form will be provided either (1) via e-mail or (2) by access to LaGrange Banking Company’s website and Online Banking Service. I understand that LaGrange Banking Company will send an e-mail to My primary e-mail address notifying Me that Communications, including E-Statements, are ready to be viewed on the LaGrange Banking Company website.

I further understand and agree that:

  1. I am an authorized signer accountholder of the Account(s) entered to access this Disclosure and Consent. If the Account Number entered to access this Disclosure and Consent is a joint account, I acknowledge that My consent has been authorized by each of the joint accountholders. If the Account Number entered to access this Disclosure and Consent is a business account, I acknowledge that My consent has been authorized by each owner of the account. All accountholders/owners on the Account(s) are bound by the terms and conditions of this Disclosure and Consent.

  2. I understand that I may withdraw My consent to receive Communications in electronic form by contacting LaGrange Banking Company at any time in writing, by phone at 706-884-6000, or by sending an e-mail to customerservice@lagrangebank.com. Upon withdrawal, I understand that I will no longer have access to E-Statements online and that I will receive all Communications in paper form via postal mail service. I understand that withdrawal of consent for E-Statements may result in a fee or change in fee for some accounts. I will refer to My Account agreement(s) for additional information concerning this fee.

  3. I agree to maintain a valid, active e-mail address. I must promptly notify LaGrange Banking Company of any change in My e-mail or postal address by contacting LaGrange Banking Company at 706-884-6000 or in person at any of LaGrange Banking Company’s locations. I understand that LaGrange Banking Company is not liable for any third party-incurred fees, other legal liability, or any other issues or liabilities arising from E-Statements or Communications sent to an invalid or inactive e-mail address that I have provided.

  4. In order to access, view, download, and print electronic Communications and E-Statements from LaGrange Banking Company, I understand that I must have a computer system with Microsoft Internet Explorer 5.0 or higher or Netscape 6.1 or higher. In addition, I have and will maintain a printer capable of printing E-Statements and other Communications that are e-mailed to Me and/or made available on LaGrange Banking Company’s website. Alternatively, I have and will maintain the ability to electronically save and visually display on My computer screen any E-Statements or Communications that are e-mailed to Me and/or made available on LaGrange Banking Company’s website. I understand that LaGrange Banking Company recommends that I print a copy of any E-Statement or other Communications and of this Disclosure and Consent for My records.

  5. I understand that LaGrange Banking Company will not send Me a paper copy of any Communications unless I request it or LaGrange Banking Company otherwise deems it appropriate to do so. I may request a paper copy of any periodic regular Account statement or any other electronic Communications from LaGrange Banking Company by phone at 706-884-6000 or in person at any of LaGrange Banking Company’s locations. I also understand that a fee may be charged for any such paper copies as set forth in LaGrange Banking Company’s Schedule of Fees and Charges.

  6. I understand and agree that LaGrange Banking Company reserves the right to discontinue the provision of electronic Communications or the E-Statements program, or to terminate or change the terms and conditions of this Disclosure and Consent. LaGrange Banking Company will notify Me before the effective date of any such change or termination.

Security Procedures: I understand that I cannot sign up for the E-Statements program and cannot access My regular account statements and other Communications without first signing up for and obtaining a Remote Access Password. I AGREE THAT USE OF A REMOTE ACCESS PASSWORD TO SIGN UP FOR THE E-STATEMENTS PROGRAM AND TO ACCESS MY ACCOUNT STATEMENTS AND OTHER COMMUNICATIONS CONSITUTES A REASONABLE SECURITY PROCEDURE. I further understand that if I disclose My Remote Access Password to other people, they may also have the ability to access My regular Account statement(s) and other Communications, and I will be responsible for any transactions they may complete. I agree to notify LaGrange Banking Company immediately if I believe any of My Account(s) have been accessed or an Access Code has been used without My permission to access My Account(s). The terms and conditions in this Disclosure and Consent only apply to the E-Statements Program and the receipt of electronic Communications. Provisions in other LaGrange Banking Company Account agreements and disclosures that I have previously received remain effective.

By pressing the "Accept" button below, I agree to the terms and conditions of this Disclosure and Consent as described above.

IMPORTANT: PLEASE PRINT AND RETAIN THIS DISCLOSURE AND CONSENT

Privacy & Security

PRIVACY POLICY

LaGrange Banking Company recognizes and values the privacy expectations of our customers. We want our customers to understand our commitment to privacy in our use of customer information. Protection of your privacy is important to us. We want you to be aware of what information we collect and how we use it. In order to provide our customers with a broad range of financial products and services effectively and conveniently, we use technology to manage and maintain customer information. The following serves as a standard for all LaGrange Banking Company employees for collection, use, retention, and security of nonpublic personal information.

WHAT INFORMATION WE COLLECT

We may collect "nonpublic personal information" about you from the following sources:
" Information we receive from you on application(s) or other loan and account forms;
" Information about your transactions with us or others; and
" Information we receive from third parties such as a consumer reporting agency; and
" Information we receive as a result of verifying customer information.
"Nonpublic personal information" is information about you that we obtain in connection with providing a financial product or service to you. For example, nonpublic personal information includes information regarding your account balance, payment history, and overdraft history.

WHAT INFORMATION WE DISCLOSE

LaGrange Banking Company does not disclose any nonpublic personal information about you to anyone, except as permitted by law. We are permitted under law to disclose nonpublic personal information about you to other third parties in certain circumstances. For example, we may disclose nonpublic personal information about you to third parties to assist us in servicing your account(s) with us, to government entities in response to subpoenas, and to consumer reporting agencies.

If you decide to close your account(s) or become an inactive customer, we will continue to adhere to the privacy practices described in this notice.

OUR SECURITY PROCEDURES

We take steps to safeguard customer information. We restrict access to your personal and account information to those employees who need to know that information to provide our products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.
Customers who have question about LaGrange Banking Company's Privacy practices or have a question about the privacy of their information are encouraged to call 706-884-6000.

Debit Purchase Rewards

Click.  Shop.  Enjoy.  Saving real money just got real easy.

 

Get cash back just by using your debit card.

Forget about clipping coupons, discount cards or special promotion codes. Everything you need to save real money on the stuff you already buy is right here where you manage your money.

How does it work?

Step 1: Click the exclusive offer showing within your transaction history

Step 2: Shop at the retail location where the offer applies with your debit card

Step 3: Enjoy your cash back - deposited in your account at the end of the next month.

Disclosure Information

Special Alert from the FDIC
E-mails fraudulently claiming to be from the FDIC are attempting to get recipients to click on a link, which may ask them to provide sensitive personal information. These e-mails falsely indicate that FDIC deposit insurance is suspended until the requested customer information is provided.
This e-mail is fraudulent. It was not sent by the FDIC. It is an attempt to obtain personal information from consumers. Financial institutions and consumers should NOT access the link provided within the body of the e-mail and should NOT under any circumstances provide any personal information through this media.
Consumers are asked to report any similar attempts to obtain this information to the FDIC by sending information to alert@fdic.gov.
 

Merchant Services

We offer an extensive range of credit card and debit card processing services. Our Merchant Services provide an efficient and cost-effective way to process transactions, and we offer a full range of card terminals, receipt printers, and support virtually all point-of-sale systems.

  • Full-Service Card Acceptance - Accept phone and in-person payments using major credit card and debit cards including VISA®, MasterCard®, American Express®, Discover Card®, and Diners Club® cards.
  • Fast Authorizations.
  • Prompt Receipt of Funds - Process transactions daily and receive your funds within two business days.
  • Choice of Processing Methods - Telephone, Terminals and Point-of-Sale Software Systems.
  • Easy-to-Read Statements.
  • Merchant Services managed by Cashtrans

Small Business Interest Checking

If you’re looking for flexibility and a return on your money, our Small Business Interest Checking account is the smart choice. This account pays you a competitive rate of interest on the balances you keep.

Features include:

  • small minimum balance to open
  • up to 100 free transactions per monthly statement cycle (per item fee if more than 100)
  • free business debit card
  • free access to online banking services including online bill pay

FAQ Database

Business Credit Cards

In today’s on-the-go culture, the credit card is king. Apply today for our Business Advantage MasterCard or Visa to enjoy the convenience of cash-free purchasing and comprehensive reporting that makes it easy to track your expenses. Features include:

  • Low variable annual percentage rate
  • Revolving balance option
  • Automatic and online payment options
  • Consolidated or individual payment options
  • Individual cards with spending limits
  • Auto renewal insurance

Drop by one of our two LaGrange Banking Company offices to apply today.

Business Loans

Whether you are managing daily expenses, planning for growth or simply keeping up with technology, your business may need extra funds to succeed. Whatever your goals, you'll find a trusted financial partner in LaGrange Banking Company. We offer a wealth of business lending solutions designed to meet your financing needs.

Our Expertise includes:

  • Commercial Construction Loans
  • Commercial Lines of Credit
  • Commercial Real Estate Financing
  • Commercial Term Loans
  • Land Development Loans
  • Stand by Letters of Credit

 

LaGrange Banking Company helps businesses of all sizes through business loans. Companies all over LaGrange and Troup County come to us when they need money for:

  • Capital to start up a new business
  • Expansion of a current business
  • Acquire an existing business
  • Purchase of inventory
  • Refinance existing debt
  • Hire new employees
  • Marketing expenses
  • Purchase equipment
  • Purchase land for your business location
  • Remodel or expand your current location
  • Refinance current real estate mortgage

 

Our loans come in several forms, mainly through five different business loan vehicles:

Commercial Mortgages offer financing for many different property types such as Retail, Office, Mixed-Use, Industrial, Rental Properties, and Multi-family residential.

Construction Loans are offered for many uses. Whether you are a homeowner or a general contractor, LaGrange Banking Company has a loans for Retail, Industrial, Mixed-Use, Additions to Existing Buildings, Improvements to Existing Buildings, Single-Family Residences, and Multi-Family Residential.

Lines of Credit allow you to take your business the next level by using a secured line of credit to finance seasonal or other short-term needs (such as buying inventory during a busy season). It can also be used for working capital, new sales opportunities, seasonal inventory, equipment purchases and more.

Equipment Loans are offered to local businesses for their capital acquisitions. Amounts vary from $5,000 to $1,000,000 or more depending on the needs of the client.

Equipment purchase loans allow businesses to expand their capacity by increasing the number of machines in use today rather than in 3 to 5 years when the business has saved enough money to buy that next machine. Interest rates are determined by collateral offered, assessment of business risk, market conditions, financial strength of the client and the extent of business the bank enjoys with the client.

Silver Checking

For customers age 50 and over, Silver Checking earns a competitive rate of interest with no minimum balance requirement. You'll receive a free MasterCard debit card with reimbursement of any ATM fee twice per month. Also included are Online Banking and Bill Pay, and free standard-issue LaGrange Banking Company checks for life of the account.

  • For customers age 50 and over
  • Competitive interest paid with no minimum balance requirement
  • Free MasterCard Debit card with reimbursement of any ATM fee twice per month
  • Unlimited Check Writing and Debit Card Transactions
  • Free LBC wallet-style standard-issue checks for life of account
  • Access to the entire online SmartSuite of products: Online Banking, Online Bill Pay, Mobile Banking, FinanceWorks, Debit Purchase Rewards

Corporate Checking

Designed for growing businesses with higher volume and the need for comprehensive banking services, Corporate Checking from LaGrange Banking Company is a smart choice.

Corporate checking is also the perfect complement to cash management services such as Business Desktop Banking (remote deposit), ACH & Wire Origination and Direct Deposit. Other features include:

  • transaction fees offset by combined collected balances
  • free business debit card
  • free access to basic online banking services including online bill pay

 

Business Credit Cards

In today’s mobile world, the credit card is king. Apply today for our Business Advantage MasterCard or Visa to enjoy the convenience of cash-free purchasing and comprehensive reporting that makes it easy to track your expenses. Features include:

  • low variable annual percentage rate
  • revolving balance option
  • automatic and online payment options
  • consolidated or individual payment options
  • individual cards with spending limits
  • auto renewal insurance


Drop by one of our two LaGrange Banking Company offices to apply today.

Small Business Money Market

Our Small Business Money Market account offers competitive tiered rates to help you maximize the value of your balances, while giving you flexibility when you need it. Features include:

  • unlimited in-lobby teller transactions
  • six (6) debit transactions free per statement cycle, by check or draft to a third party
  • monthly service fee may be waived with minimum daily balance of $1,000 or more.

 

Business Loans

Whether you are managing daily expenses, planning for growth or simply keeping up with technology, your business may need extra funds to succeed. Whatever your goals, you'll find a trusted financial partner in LaGrange Banking Company. We offer a wealth of business lending solutions designed to meet your financing needs.

Our Expertise includes:

Commercial Construction Loans
Commercial Line of Credit
Commerical Real Estate Financing
Commercial Term Loans
Land Development Loans
Stand by Letter of Credit


LaGrange Banking Company helps businesses of all sizes through business loans. Companies all over LaGrange and Troup County come to us when they need money for:

Capital to start up a new business
Expansion of a current business
Acquire an existing business
Purchase of inventory
Refinance existing debt
Hire new employees
Marketing expenses
Purchase equipment
Purchase land for your business location
Remodel or expand your current location
Refinance current real estate mortgage


Our loans come in several forms, mainly through five different business loan vehicles:

Commercial Mortgages offer financing for many different property types such as Retail, Office, Mixed-Use, Industrial, Rental Properties, and Multi-family residential.

Construction Loans are offered for many uses. Whether you are a homeowner or a general contractor, LaGrange Banking Company has a loans for Retail, Industrial, Mixed-Use, Additions to Existing Buildings, Improvements to Existing Buildings, Single-Family Residences, and Multi-Family Residential.

Lines of Credit allow you to take your business the next level by using a secured line of credit to finance seasonal or other short-term needs (such as buying inventory during a busy season). It can also be used for working capital, new sales opportunities, seasonal inventory, equipment purchases and more.

Equipment Loans are offered to local businesses for their capital acquisitions. Amounts vary from $5,000 to $1,000,000 or more depending on the needs of the client.

Equipment purchase loans allow businesses to expand their capacity by increasing the number of machines in use today rather than in 3 to 5 years when the business has saved enough money to buy that next machine. Interest rates are determined by collateral offered, assessment of business risk, market conditions, financial strength of the client and the extent of business the bank enjoys with the client.

Free Small Business Account

Starting up or running a small business puts demands on your time and resources. Checking account fees shouldn't make these demands any greater. Our Free Small Business Checking is designed for the small entrepreneur who needs the power of a flexible checking account without all the rules to worry about.

With our Small Business Checking there is:

  • No monthly service fee
  • No minimum balance requirement
  • Up to 200 free transactions per monthly statement cycle
  • Free Business Debit Card
  • Free Online Banking and Bill Pay

Premium Money Market

Our Premium Money Market account offers competitive tiered rates to help you maximize the value of your balances, while giving you flexibility when you need it. You'll receive unlimited in-person teller transactions. Per regulation, money market accounts are limited to six (6) online, telephone, or third party transactions per month. Monthly service fee may be waived with minimum daily balance of $1,000 or more.

Mortgages

Nothing says community like owning your own home. We offer a variety of mortgage products designed to help you achieve the dream of home ownership. Our mortgage professionals know the local market and can tailor a loan to meet your financial needs.

Business Desktop Banking

Our Business Desktop Banking provides you the ability to scan checks for deposit to your LaGrange Banking Company account, thereby saving you the time and cost of trips to a the bank. Since checks move electronically, Business Desktop Banking also speeds the availability of funds into your account.  Business Desktop Banking offers all the online deposit services your clients need, as well as sophisticated security features, state-of-the-art scanning capabilities, and the ability to easily manage entitlements when your requirements change.

  • Expedite access to funds
  • Reduce costs associated with couriers
  • Consolidate remote deposits into a single settlement account
  • Reduce risk of Check Fraud
  • Gain access to historical data and enhanced reporting capabilities 

Flat Fee Small Business Account

If your business is growing and you need more from your checking account, our Flat Fee Small Business checking account offers great service and more transactions at an affordable monthly cost. Features include:

  • up to 400 free transactions per monthly statement cycle (per item fee if more than 400)
  • free business debit card
  • free access to online banking services including online bill pay

Certificates of Deposit

Offering competitive fixed rates in variable terms to meet your needs, Certificates of Deposit (CD’s) are a smart choice when you don't need immediate access to your funds and you want a guaranteed rate of return.

There are no monthly or quarterly service fees and no penalty to withdraw accrued interest. Penalties may be assessed for early withdrawals of principal.
 

Individual Retirement Accounts

Planning for retirement? Our professional staff can help you open a new IRA today. Whether you are creating your own plan or supplementing your existing retirement plan you’ll find competitive rates and no monthly service fees. Check with your tax advisor to find out if your contributions qualify as a tax-deduction. Penalties may apply for early withdrawal of principal.

Business Accounts

LaGrange Banking Company is locally owned and operated. Just like your business.

What's that mean for you?

It means we are the only bank in Troup County able to make fast, local decisions that directly impact your business and our community. When your business grows, we grow too!

Whether you just need an operating checking account for your business or capital to: start up a new business, expand or acquire an existing business, remodel or expand your current location, refinance existing debit or current real estate, hire new employees or purchase inventory, equipment or land for your business location, we are are your best choice in LaGrange and Troup County!

Personal Accounts

Come in today, talk with our friendly, professional staff and enjoy the old-fashioned customer service you’re accustomed to. But there’s nothing old-fashioned about the products and services we offer.

We’re ready to help you select the perfect mix of accounts - all designed to utilize the latest technology - to create a smart portfolio tailored to meet your financial lifestyle.
 

Interest Checking

Our Interest Checking account pays you a competitive rate of interest on the balances that you keep. You'll receive a free MasterCard debit card with reimbursement of any ATM fee twice per month. Also included are Online Banking and Bill Pay, and your first order of standard-issue LBC checks is free. Monthly service fee may be waived with minimum daily balance of $1,000 or more.

  • Earns competitive rate of interest
  • Free MasterCard Debit Card with reimbursement of any ATM fee twice per month
  • Unlimited Check Writing and Debit Card transactions
  • First order of LBC standard-issued checks is free
  • $10.00 service charge may be waived with minimum daily balance of $1,000 or more
  • Access to the entire online SmartSuite of products: Online Banking, Online Bill Pay, Mobile Banking, FinanceWorks, Debit Purchase Rewards

FinanceWorks

Developed by the same people that brought you Quicken® and QuickBooks, FinanceWorks is a powerful online tool that provides you the critical, time-sensitive information you need to make smart financial choices. Serving as your financial lifestyle hub, FinanceWorks allows you to manage all your accounts, including those with other financial institutions, with a single login.

 

Track Your Expenses

Wondering where your money goes? FinanceWorks automatically categorizes transactions from your accounts so you can track your expenses, analyze spending behavior and find ways to save.

 

Alerts & Reminders

Tired of those expensive late charges? With FinanceWorks, you can manage bills all in one place, regardless of how you pay them and create alerts and reminders so you’ll never miss another payment.

 

Organize Tax Info

Need help organizing your tax information? FinanceWorks automatically tracks tax deductible expenses so you’re ready when tax time rolls around.

 

Make Smart Choices

FinanceWorks, powered by Quicken and offered through our SmartSuite of online services, provides you with a simple, intuitive experience so you can make smart choices that match your financial lifestyle.

Make the Smart choice and simplify your financial lifestyle by exploring FinanceWorks today. At LaGrange Banking Company, we’re local and SMART, just like you.

 

Awards and accolades

Javelin Strategy & Research: “Best in class” for online financial management “[FinanceWorks] sets the standard for rivals to match.… providing user-friendly, practical personal finance management tools.”

BankInnovation.net: “Best Technology” winner in BankInnovation Awards of 2009.

Corporate & Institutional Services

Committed to you and the growth of your company, we draw on a deep knowledge of our customers business in order deliver first class financial support. Back by the fact that we are locally-owned, we are also able to make quick, in-house decisions for each of our corporate and institutional clients.

Among the arrary of services LBC offers are: corporate checking, business loans and cash management solutions

Personal / Auto Loans

Sometimes, we all need a little extra cash to cover an unplanned expense or to help purchase that something special. At LaGrange Banking Company, we offer a variety of loan products that match your financial lifestyle.

For everyday convenience, our MasterCard/Visa offers a Low variable annual percentage rate, 25-day grace period on all purchases, Convenience Checks and free balance transfer feature. The card also provides fraud and zero liability protection, Common Carrier Insurance (Up to $500,000) and an Auto rental insurance option.

For longer-term needs, we offer Deposit Loans, Signature Loans and Stock Secured Loans with competitive terms and rates. Stop by our office today to discuss loan options and complete an application with our friendly, professional staff. And, because we’re local, we don’t have to call an 800 number in Charlotte or Orlando to get approvals or make decisions.


Finally ready to purchase that smart, environmentally-friendly car? Need a dependable used car to get the kids through college? We offer automobile loans with competitive terms and rates and, because we’re local, we don’t have to call an 800 number to get approvals or make decisions.

Stop by our office today to discuss loan options and see how we can help get you from here to there with a competitive auto loan.

LaGrange Banking Company, we’re local, just like you.

 

Online & Mobile Banking

While we’re happy to see you in one of our convenient office locations, you can bank with us anytime, anywhere through our newly redesigned SmartSuite of online banking products. Enjoy the convenience of 24/7 banking whether you’re in the comfort of your own home or halfway around the world.

Leveraging the latest technology, SmartSuite offers online access via the web, Mobile Web Banking through your smart phone, or Text Message Banking using your mobile device. And with uncompromised security, you can rest easy knowing your personal information is always protected.

With a smart, intuitive interface, SmartSuite offers a real-time snapshot of your LBC accounts. Use our new FinanceWorks product to integrate your accounts from other financial institutions and have access to your total financial picture on a single screen.

Online and mobile banking is just another service offered to meet today’s on-the-go lifestyle. At LaGrange Banking Company, we’re local and smart, just like you.

Take a minute to watch this sneak preview of our award-winning Online Banking service.

Smart, safe and secure, SmartSuite online banking services meets the needs of today’s hectic world and can transform your financial lifestyle.

At LaGrange Banking Company, we’re local and smart, just like you.
 

Savings, CDs, Money Markets

Our savings accounts are the smart choice for stashing away the money you need to achieve your long-term financial goals.

You’re always able to access your accounts online, via smart phone or text messaging so, whether you choose a regular savings account, Certificate of Deposit or Money Market account, LBC offers the perfect solution to meet today’s financial lifestyle.

Regular Savings

Jump start your journey to financial security by opening one of our Regular Savings accounts. With interest paid, regardless of the account balance, your money begins to grow immediately and you will receive quarterly statements to track your progress. You'll receive unlimited in-person teller transactions. Per regulation, savings accounts are limited to six (6) online, telephone, or third party transactions per month. 

Checking Accounts / Banking

LaGrange Banking Company (LBC) has compiled a smart selection of checking accounts for customers.  Continue reading to learn which account makes sense for your financial lifestyle.

Construction Loans

Whether you are building your first home or your dream home, LaGrange Banking Company has products to best suit your individual needs. 

Call us or stop by our Calumet office to begin the conversation about your construction loan.

Basic Small Business Services

At LaGrange Banking Company we understand the demands of a small business owner. Whether you’ve been in business for years or you’re just getting started, our basic small business services have been built with your business in mind.

With amenities like a free business debit card, free access to our SmartSuite online banking services, and online BillPay, you'll find handling your finances has never been so easy!

Text Message Banking (SMS)

It's Secure.  It's Easy.  And it's Free!

Designed to meet your lifestyle, Text Message Banking makes it simple to access account balances and transactions, right on your cell phone. Part of LBC’s SmartSuite of Online Banking Services, Text Message Banking is a safe, secure service that is easy to use.

 

Secure

Text Message Banking is safe.  Text messages from LBC are only sent to cellphones you personally verify and authenticate. You can rest easy knowing we never send confidential information such as user ID’s, passwords, or complete account numbers via Text Message.

Absolutely Free

Text Message Banking is a free* service offered to meet today’s on-the-go lifestyle.  You must have a cell phone that is capable of receiving text (SMS) messages to enable Text Message Banking. Complimentary to all LBC customers, we suggest you check with your carrier to determine if standard text messaging fees may apply.

Easy

If you're able to send and receive text (SMS) messages on your phone, you're able to use our Text Messaging Banking. Just text a short command to 454545, and you will quickly receive the information you need.

Fast

Text Message Banking is the fastest way, anytime, anywhere, to receive your account balances, last 5 transactions and to transfer funds. Text message requests are typically processed in just a few seconds**.

Short Commands

To get account information quickly and easily, simply send a command to 454545.  Here are some of the requests you can make with Text Message Banking:

BAL — Current and available balances for a primary account you designate
LAST — The last five transactions in your primary account.
BAL ALL — Current balances for all the accounts you have with us.

 

Get Started

Need assistance to start using Text Message Banking? Send us a message to begin the process.  If you prefer to speak with a real, live person, call us at 706.884.6000.

To get started immediately, log into our secure Online Banking site and look for the Mobile Banking & Alerts button to activate your phone. Please have your phone in hand in order to complete the verification process.  You will receive an activation code via text message to your phone. You must enter the activation code into the Online Banking site in order to activate Text Message Banking. Once the code is verified, you are now ready to start using the service!

Questions

Check out the Frequently Asked Questions page to find answers to the most commonly asked questions.  Or feel free to call one of our local, friendly personal bankers at 706.884.6000.

 

At LaGrange Banking Company, we’re local and SMART, just like you.

* Standard carrier rates and fees apply.

** Cellular carrier service and network traffic may affect processing speed.

Which account is right for me?

Since choosing the right checking account is mostly a matter of preferences and priorities, we recommend identifying the most important aspect(s) of a checking account and going from there. For example, do you use ATMs often? You'll need an account with unlimited transactions. Want to earn interest on a high-balance account? Then choose an interest-bearing checking account. Perhaps you’re tech-savvy or want to go 100% paperless -- consider a SmartAccount with a comprehensive digital banking suite. Older than 50? Silver Checking has many benefits including a competitive rate of interest and free checks for the life of the account.

Browse this comparison chart to find the account that fits your lifestyle, priorities and preferences best:

Checking Account Comparison Chart

Mobile Web Banking

Uncompromising Security.  Absolutely Free.

Leveraging the latest technology, LBC offers Mobile Web Banking available on your smart phone. 

Kick the tires / Demo Mobile Web Banking >>  

 

Convenient

With nearly 50% of Americans now owning smart phones with active data plans, LBC offers a convenient banking product for today's on-the-go lifestyle. All of your account information is accessible at your fingertips everywhere you go.

Secure

With uncompromised security, you can rest easy knowing your personal information is always protected. Mobile Web Banking has the same stringent security standards as online bank, using the latest encryption methods to guard sensitive information.

Powerful

With a smart, intuitive interface, Mobile Web Banking offers a real-time snapshot of your LBC accounts. You can access your account information, view transaction history and transfer funds between accounts. Online BillPay is also available through Mobile Web Banking. View pending payments, schedule new payments and review your payment history, all in the palm of your hand.

Absolutely Free

Mobile Web Banking is yet another service offered to meet today’s on-the-go lifestyle and is free to LBC customers!  You must have a web-enabled smart phone and an active data plan through your service provider to use Mobile Web Banking.

Get Started

Make the Smart choice.  Enhance your lifestyle by signing up for Mobile Web Banking.  Send us a message to activate your Mobile Web Banking account.  Or, if you prefer to speak with a real, live person, call us at 706.884.6000.

Questions?

Check out the Frequently Asked Questions page to find answers to the most commonly asked questions.  Or feel free to call one of our local, friendly personal bankers at 706.884.6000.

 

At LaGrange Banking Company, we’re local and SMART, just like you.

SmartAccount

Do you spend time online or on-the-go? Are you committed to living a “Green” lifestyle -- less paper, zero waste? SmartAccount, our new digital, paper-free account is the perfect choice for your financial lifestyle.

Banking has never been smarter with the all-digital, online-centric SmartAccount.

 

On-the-Go

Do you always have your smart phone in hand? If so, you can access your SmartAccount directly on your handheld device. With an intuitive mobile web interface, SmartAccount provides most of the same features you have when using your computer. Learn more about Mobile Web Banking.

For customers without a data plan, Text Message Banking offers access to account balances, fund transfers and verification of transactions. Have this information sent to your phone by sending messages to our short code (454545).  Read more about SMS / Text Message Banking.

 

Debit Card Rewards

For easy access to your SmartAccount funds, you’ll receive an LBC debit card for use at thousands of merchants world-wide. And with our Debit Purchase Rewards program, the more you use your debit card, the more offers you will see in your account.  See how Debit Purchase Rewards work.

 

Unlimited ATM transactions

Unlimited ATM transactions, regardless of the location, are included with the SmartAccount.  Whenever you need cash, LaGrange Banking Company will waive the other bank's ATM fee in order to make getting cash convenient for you. (Cross border fees not included.)

Financial Management

View recent account activity, transfer funds, pay bills, access your account statements and more, all with uncompromised security, online through your web browser.  Using the award-winning FinanceWorks, powered by Quicken, you can also view other accounts from over 16,000 financial institutions, all at a glance.

FinanceWorks, which is included at no extra charge, can simplify your budgeting by tracking your expenses by category, provide reminders to pay bills and help you get organized for taxes by automatically tracking tax deductible expenses.  Learn more about FinanceWorks.

 

Environmentally Friendly

SmartAccount is entirely paperless* as all statements are generated electronically.  Monthly notices with links to your online, electronic statements are transmitted directly to your e-mail account. Talk about an environmentally friendly perk of using Smart Account!

 

Checks still Welcome

SmartAccount users are not excluded from using traditional paper checks.  Account holders may order pre-printed checks for an additional charge, however there are no additional fees associated with check use.

 

 

*Paper statements may be generated and sent on a monthly fee basis.

Customer Service

LaGrange Banking Company (LBC) has built a reputation in our community of going "above and beyond" for our customers. Our empowered employees are focused on making every experience you have with our bank a positive one.

Our bank offers an impressive selection of services and products. Most are intuitive and easy to get around. However, if you find yourself having difficulties, please do not hesitate to call or email one of our friendly, professional staff members. In addition to our personal service, we also offer a wide array of help tools to assist you in learning, using, or troubleshooting all of our online products.

See the provided Frequently Asked Questions (FAQs) for help using our Mobile Web Banking or Text Message Banking products.

Online Bill Payment

Convenient

Integrated with FinanceWorks, part of our new SmartSuite of online services, Online BillPay allows you to manage bills all in one place, regardless of how you pay them.

You can set up bills as a single payment or create recurring payments on a weekly, monthly, or quarterly basis and pay any merchant or individual in the United States (except government agencies.) Payments may come from any of your LBC checking accounts.

 

Save Time and Money

You can save time and money by eliminating the need for checks, envelopes and stamps. It’s a fast and easy way to pay unlimited monthly bills and is available to individual and business customers.

 

Never Miss a Payment

You can set up reminders to help you track when your bills are due. We alert you of any electronic bills you’ve set up too. Electronic alerts sent to your email remind you when a bill is due, alert you if a bill is not paid by the due date, or informs you when a payment has been sent.

 

Available on Mobile phone

Using our Mobile Web Banking interface (available on smart phones with data plans), you can literally pay bills, view payment history, and view pending payments anywhere you have cellular service. To learn more about Mobile Web Banking simply click here.

 

 

Make the smart choice and simplify your financial lifestyle by signing up for Online BillPay today. At LaGrange Banking Company, we’re local and smart, just like you.