GPA Question

This semester I got worse grades than I ever would've expected landing a measly 3.4 gpa. The reason my gpa is so low is because I'm a transfer so all my previous hours aren't weighed when calculating my grade so the 2 Bs I got heavily impact my GPA. Obviously if I report this to banks I'll probably be out of the running immediately, so I'm wondering if it's alright to average the 3.4 with my transfer GPA (averages out to 3.7~). When asked to submit transcripts I'll just make one file containing my current transcript and transfer one so they can see both GPAs, or is this plan stretching it and I'm screwed.

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