On January 3rd ELGA is launching the New XpressLink Internet Banking.

Existing XpressLink Users: If you are a primary owner on an account, your information is transferring over to our New XpressLink online banking .  Going forward, there will only be one sign on ID per account.  We have assigned each primary member (who currently has an XpressLink sign on) a temporary sign on ID and password.

Your current XpressLink ID will no longer work after 12/30/13.
To view the format of your temporary sign on ID and password click here. 
You will need this information on January 3rd when accessing your account.  

Signing in on or after January 3rd
The first time you sign in, you will be asked to change both your User ID and password, accept the online agreement, and choose a watermark image.  You will prompted to set up new multi-factor authentication questions.  Sound confusing? We’ve created some easy to follow tutorials  to help you out here.

Online Bill Pay for Personal Accounts
ELGA will continue to use the same Online Bill Pay provider for paying bills out of your personal account. Please take a moment to note the following:

  • If your XpressLink sign-on ID is not under the primary owner you will need to set up your online bill pay under the primary member’s  XpressLink.
  • Bill Pay will process all payments scheduled up to 12/30/2013 at noon.  Anything that is scheduled to be paid after noon on 12/30/13 will be processed on 1/2/2014.
  • Bill Pay will be unavailable to all users after 3:00pm on 12/30/2013 and will be available again on 1/3/2014.

Bookmarks to XpressLink will no longer work after 12/30/2014
If you currently use a saved bookmark to access XpressLink, that URL will no longer work after 12/30/2013.  On January 3rd you will need to access XpressLink directly from www.ELGACU.com.


Hello! I'm Anne and I work in Marketing at ELGA Credit Union. I've worked here at ELGA since July 2005. I've worked in a variety of positions including teller, call center agent, Member Services, and now Marketing. I graduated from U of M Flint in 2007 with my BBA with a concentration in Marketing. GO BLUE! I'm passionate about helping others achieve financial harmony and I love being involved in the Flint Community.

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  1. Justin Callahan

    December 29, 2013 at 11:02 pm

    If the new format to log into my online banking is using my social security number I will be closing my account. I don’t understand why Elga would do this as this would be a major security flaw with using cookies and visiting other websites. I will be sharing this information with other employess I work with that use online banking with your institution. I sincerely hope Elga rethinks using this format with the security risks of its members.

    • Staff Writer

      December 30, 2013 at 8:07 pm

      Hi Justin,
      Thank you for letting us know your concerns. With the new conversion, we needed to have a unique ID for every existing XpressLink member. When you log in for the first time, you are prompted to change both your password and your XpressLink ID. Our XpressLink system does not record cookies. One of the other changes you will see with our new XpressLink is that you will be logging in from a secure site (https://www.elgacu.com) and your login information will be encrypted during transit. If you are still not comfortable with using this ID, you can call our member services line (810) 715-3542 after January 3, and request a new user ID to start with. We expect the wait time on line to be long for the first few days, so we appreciate your patience as we roll out our new system.
      Virtual Services

  2. Joseph Chambers

    December 30, 2013 at 11:48 pm

    Soo.. I understood the Branch offices are closed until the third. Now it seems the express link, and maybe easy access line too, I have a debit card I had expected to be able to transfer money to in order to access cash. How?

    • Staff Writer

      December 31, 2013 at 6:38 pm

      Hello Joseph,
      The branches, EZ Access, BillPay and XpressLink are all part of the conversion and are down. The ATMs still work, but you will not be able to view your balances until everything is back up on the 3rd.
      Virtual Services

  3. Shannon Taylor

    December 31, 2013 at 5:51 pm

    I pay my mortgage through bill pay as an automatic withdrawal. I needed to transfer funds, reduce the payment amount to the actual amount due, or wait for a fund transfer from my ex-husband’s personal account. It normally is paid on the 3rd. I certainly hope I won’t be paying an overdraft fee if it processes before I can monkey with the accounts. Is there anyway I can cancel the payment?

    • Staff Writer

      December 31, 2013 at 6:45 pm

      Hello Shannon,
      Hopefully, everything will still happen the way you need it to. XpressLink and BillPay are down until the evening of the 2nd. We can’t guarantee a time and we won’t have phone support on the 2nd, which is why we have stated that we will be fully up on the 3rd. Please try to get into the system on Thursday night and do what you need to do. If you do incur any fees from us, call us at (810) 715-3542 and we will work with you to make things right. We know that not everything will go smoothly, so we are prepared to be there for assistance once we go live.

      Just to be sure you have all the info you need to log in to the new XpressLink, please click here. This will take you to the demos page and will show you the format for your new TEMPORARY ID and Password.

      Thank you so much for your patience during our conversion. We believe what you see with ELGA 2.0 will be worth the wait!
      Virtual Services

  4. Benedict Wells

    January 2, 2014 at 3:04 pm

    Happy New Year,
    Will the Android App from the Google play store still function? If not, will we need to download an update or new App? I use your mobile app on my smart phone almost exclusively. The only time I log in on an actual computer is when Xpresslink forces me to change my password. I hope everthing goes well for you guys on your end.
    Thanks in Advance,

    • Staff Writer

      January 2, 2014 at 3:18 pm

      Happy New Year Ben!

      Yes, all of our apps will work with the new XpressLink. You will need to apply the upgrade, which you should be directed to starting tomorrow.

      Thank you for asking! We will be making some really nice improvements to our mobile apps in the next few months to allow you to better access to your accounts. This is especially nice for folks like you that do their banking primarily on this platform!

      Virtual Services

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