The Union Bank is now FGB

Frequently Asked Questions 

How do I setup my online banking/mobile banking?
You must login to Online Banking on a desktop computer before using the MyFGB app. Follow the steps below:

Note: If you do not have a computer at home, you may go to fgb.net using your phone's browser. 

  • Enter User ID and temporary passcode
  • User ID: Enter your current Online Banking user ID from The Union Bank all in lower case
  • Temporary Passcode:
    • Consumer Users: User ID plus last 3 of the SSN all in lower case
    • Business Users: User ID plus last 3 of Business TIN all in lower case
  • Create a permanent passcode -- it must contain 1 numeric and 1 alpha character. Passcodes are case sensitive.

  • Enter email & create security questions

    • You will be required to enter your email address. Please note: There may be instances in which we send you an OTP (One Time Pin) for security purposes to this email address. That OTP will need to be entered before gaining access to the system.

    • You will be required to set-up 3 security questions and answers. Please note: Until the system recognizes your login credentials there may be instances where you may need to answer these questions before gaining access to the system.

  • Accept new Online Banking disclosures

Once you have completed these steps, you will then have access to Online Banking.

All bill payments scheduled will continue to process without any interruption.
All internal transfers scheduled after 3/27/2020 will need to be rescheduled within the new Online Banking system.

For more information regarding Online Banking/Mobile Banking, refer to pages 8-9 and 20-21 in the Welcome Kit.

Welcome Kit

Who do I call with questions?

Starting March 30th, our Customer Support Agents will be able to assist you with any questions you may have.  That number is (888) 375-3093 or you can continue to dial (877) 216-0490 and connect with our Customer Support Agents. 

Will there be any change to my current direct deposits or automatic transfers?

Your current direct deposits will continue with no interruption.  Automatic transfers will also continue as scheduled unless we notify you.  

Will I experience an immediate change to my Checking or Savings Account(s)?

Based on the activity of your current bank account, your account will be matched to a similar First Guaranty Bank checking or savings account.  This will not happen until close of business on March 27, 2020. 

Will my Savings, Checking, CD, IRAs and Loan account numbers remain the same?

Most account numbers will remain the same.  However, there may be a few account numbers that duplicate already existing FGB account numbers.  We will send correspondence to those account holders regarding their change.

Can I continue using my current checks and deposit tickets?

Yes, you may continue using your The Union Bank checks and deposit tickets.  There will be no interruption in your usage of these items.

Can I continue using my The Union Bank Debit Card?

Yes, you may continue to use your The Union Bank Debit Card until March 30, 2020.  If you have used your The Union Bank Debit Card in the last six months, you will receive your FGB MasterCard Debit Card soon. On March 30, 2020, please begin using your newly issued FGB MasterCard Debit Card. To be ready for use on March 30th, you may activate your card and select your PIN the day you receive it.

*Important note:  During the weekend of conversion March 27-29, debit cards will be processing with lower daily purchasing and withdrawal limits.  We encourage you to plan accordingly and have cash or alternate payment methods available during this timeframe.

Can I use any The Union Bank or First Guaranty Bank ATM?

Yes, you may use any FGB and The Union Bank ATMs. The Union Bank ATMs at the Paragon Casino will still charge customers a $2.00 withdrawal fee.

Can I bank at any The Union Bank or First Guaranty Bank location now?

You will be able to cash The Union Bank checks at any First Guaranty Bank location; however, no other transactions can be done until account conversion has occurred and we are on common systems. For now, continue to manage your current The Union Bank account just as you do today.  At close of business on March 27, 2020, our systems will be merged, and you will then be able to transact full banking business at any First Guaranty Bank location. 

Can I continue to use online banking and bill pay?

Effective at 1:00 pm on March 27, 2020, you will be unable to access The Union Bank’s online banking and bill pay.  Beginning March 30, 2020, you will be able to access FGB’s online banking.  You will not need to re-enroll, your Access ID will remain the same* as it is today except it will convert over as all lower case letters.  The temporary passcode can be found in the Welcome Kit  (booklet titled Important information about your accounts) on page 20.

Additionally, you will not have to re-enroll in bill pay.  All of your biller information and eBills will convert over to the new system with no action from you.  All scheduled payments will go out as planned. 

*There may be a few User IDs that are duplicates.  We will send correspondence to those account holders regarding this.

What about the mobile app (Mobiliti)?

Effective at 1:00 pm on March 27, 2020, you will be unable to access Mobiliti.  On Monday, March 30, 2020, we encourage you to visit the Apple and Google Play app stores to download the MyFGB app.  You will log in with the credentials you used when logging into online banking.

All consumer mobile app users will be eligible for Mobile Deposit – which is a feature in the MyFGB app.

Can I still use Telephone Banking?

Once conversion takes place, you may call FGB’s 24 Hour Telephone Banking at 1-844-367-6355.  You will need to re-enroll in this service.

Where do I send my loan and mortgage payments?

Once account conversion takes place on March 27th, please begin sending your payments to the following address:

First Guaranty Bank
Attn:  Loan Operations
PO Box 2009
Hammond, LA  70404-2009

 How will my deposit account statement with First Guaranty Bank change?

Your First Guaranty Bank statements will have the same general account information and format; however, you may receive them on a different date than you’re accustomed.  The following is the new schedule:

Your First Guaranty Bank personal checking account statement is scheduled to print on the 4th of each month.

Savings account statements will be printed quarterly unless there is electronic funds activity (such as ACH debit or credits and debit card transactions) on the account; in this case a statement will be printed monthly.

Business and Money Market account statements will be printed at the end of each month.

As of close of business on Friday, March 27, 2020, statements will begin a new mailing cycle.

*All checking and savings accounts will receive a final statement from Union. This will generate the evening of March 27, 2020.  If you currently receive eStatements only, you will receive a final printed statement too.

I have deposit accounts at both The Union Bank and First Guaranty Bank.  How does this affect my FDIC coverage?

The savings and checking accounts held with The Union Bank at the close of business on November 7, 2019, will have separate FDIC coverage for six months from that date based on the regulatory limits of the FDIC.  Certificates of Deposit will have separate coverage until the first maturity date after the six month period.  After the interim period has passed, the deposits will be combined with your First Guaranty Bank deposits for purposes of FDIC coverage.  If you hold deposits with both The Union Bank and First Guaranty Bank, you may contact a Customer Service Representative to determine the best way to structure your accounts for maximum FDIC coverage.  You may also visit www.fdic.gov/edie/ to see how you can structure your accounts for maximum FDIC coverage.

Will First Guaranty Bank continue to support our local communities?

Yes.  Because of the combined forces of two great banks, we will continue to actively reinvest time and dollars into our local communities.

When will the account conversion be complete?

The account conversion date is scheduled for close of business on Friday, March 27, 2020.  This is the date our two systems will merge into one.

Will First Guaranty Bank continue to provide privacy of my personal information?

First Guaranty Bank has always complied with all federal privacy regulations and is vigilant in protecting the personal information of its customers. 

Will I still receive the same friendly service?

Delivering quality customer service is very important to First Guaranty Bank and we promise to continue providing the same high level of customer service you are accustomed to.

What is First Guaranty Bank’s routing number?

065404340 – this will be the routing number you use AFTER data conversion.  For now, you will still use The Union Bank’s routing number.

After conversion, will I be able to see ALL of my checking/saving statement history?

No. Checking and Savings customers will have history from the current statement cycle and the previous statement cycle. To ensure you have the history you need:

  • Go into your OLB account and download past statements.
  • If you don’t have OLB, you have until March 13th to enroll.  After this date, there will be no enrollment until after conversion.

 

Links from the First Guaranty Bank web site to other web sites are provided solely as a convenience to visitors. If you use these links, you will leave the First Guaranty Bank web site.

The First Guaranty Bank does not have any responsibility or control over any of these external web sites, their content or their privacy policies. We do not endorse or make any representations about third-party external web sites, including any information, products, materials or results that may be obtained from using them.

If you decide to access any of the linked third-party web sites, you do so entirely at your own risk. You are encouraged to review the privacy notice for each linked web site.