Credit Union Questions
What is a Credit Union?
A Credit Union is a member owned non-profit financial cooperative. The first credit union was formed in 1850 in Germany. In this first Credit Union members deposited their savings with the credit society to provide working capital with dividends paid on these “share” accounts. Loans were extended for “productive purposes” based on the character of the borrower. The concept of Credit unions quickly spread throughout Europe, then to North America in 1900.
What is the biggest difference between a Bank and a Credit Union?
Not for Profit, Not for Charity, But for Service – It’s true, credit unions are financial institutions like banks, and savings and loans, but they operate much differently. Credit unions are financial cooperatives, owned by the people who use the credit union. Since the focus is on service (not profit), members benefit with lower rates on loans, higher rates on savings, and often pay fewer fees and service charges on the same services offered by other financial institutions.
What is the Credit Union philosophy?
“People helping People” – Is more than just a slogan—it’s the way credit unions operate each and every day. Around the world, and here at home, credit unions focus on improving the quality of life for their members, their families, and the community.
How was Greater Alliance founded?
Greater Alliance is a forward-thinking and growing credit union built upon more than 75 years of commitment to members, community and service. Greater Alliance was founded in 1937 when five dedicated educators, chartered, what was then known as Central Bergen Teacher’s Federal Credit Union. The organization began to expand its field of membership in the mid-1980s under the sanction of the NCUA (National Credit Union Administration) to include a diverse mix of employee groups and associations – and became known as Central Bergen Federal Credit Union.
From that humble beginning in 1937, established primarily for the purpose of serving teachers and their immediate families, we expanded our field of membership in January of 2005 and changed our name to Greater Alliance Federal Credit Union. Today, Greater Alliance has grown into a premier community credit union in NJ, owned by its 19,000 members and is fully committed to the financial well-being of the families, businesses and communities where we serve.
Who owns the Credit Union?
As a credit union member, you own your credit union. You are entitled to elect, and be elected to, the volunteer Board of Directors, which is composed of your fellow members. The Board of Directors set policies for the operation of the credit union based on the needs and wishes of the members. The Board of Directors also establishes dividend rates, loan interest rates, and fees.
Who is eligible for membership with Greater Alliance Credit Union?
Anyone who works, resides, worships, attends schools or volunteer in the counties of Bergen or Passaic. Also, relatives of current members may join Greater Alliance. Those eligible for family membership includes spouses, children, siblings, parents, grandparents, and grandchildren of current members.
How can I become a member of Greater Alliance Credit Union?
To become a member of Greater Alliance Credit Union, you need to open a share “savings” account with a minimum deposit of $25.00. Once you are a member you are eligible for all of the Credit Unions services, from savings products to our loan products.
General Account Questions
What are the benefits of Direct Deposit?
Benefits to members who establish Direct Deposit (full net pay) include; Free ATM card use, a .25% discount on future consumer loans (excluding loans for real estate and lines of credit).
What information does my payroll department need to set up Direct Deposit into my account?
They need our ABA Number and your account number. Our ABA # is 221275876 If you wish to have your funds deposited into your checking or your savings account, use the ten digit number on the bottom of your checks. If you wish to have the deposit go into your savings account use your account number located in the top right hand corner of your statements.
What information do I need to have money wired into my account?
In order to wire money from another institution to your account with Greater Alliance, use these wiring instructions: Wire to: Alloya Corporate Federal Credit Union 1021 Watervliet Shaker Road, Albany, NY 12205, ABA # 221-381-715. Further Credit: Greater Alliance FCU, ABA # 221-275-876. Final Credit: Your name and account number.
What should I do if I detect fraud on my account?
Contact a Member Service Representative immediately by calling 1-888-554-2328 or 201-599-5500 or visit a Greater Alliance Credit Union branch.
Are my deposit accounts insured?
Funds on deposit are federally insured for up to $250,000 per member by the National Credit Union Administration (NCUA); an agency equivalent to the banking industry’s FDIC.
How are accounts insured through NCUA?
- Properly established share accounts in federally insured credit unions are insured up to $250,000.
- Generally, if a member has more than one account in the same credit union, all funds are added together and insured up to $250,000.
- A member can have additional coverage on multiple accounts, but only if the accounts have different ownership interests or rights in different types of accounts.
- Additional coverage is available on revocable trust or payable on death accounts.
- On joint accounts, the co-owner’s interest in all joint accounts in the same credit union will be added together and insured up to $250,000.
- Traditional and Roth IRAs are insured separately to $250,000 from other accounts that the member maintains in the same credit union.
- However, both Traditional and Roth IRAs are added together and insured up to $250,000.
- For revocable trust accounts, a member can have coverage up to the SMSIA for each account that has a different beneficiary named to receive the funds.
If I wish to set up automatic withdrawals (payments) from my account, what should I tell the company?
You can use your debit card, or our online Bill Payment service. To set up automatic payments from your account, companies may ask you for your account number and the credit union’s routing number. The routing number for Greater Alliance is 221275876. When debiting from your checking account you can find your ten digit account number at the bottom of your checks. If you wish to have it withdrawn from savings your account number is located in your statements.
I need to send a check for deposit. Which address should I use?
You should send your deposits and all other mail to: 40 W. Century Road, Paramus, NJ 07652
Does Greater Alliance offer business accounts?
Yes, we do offer high rate deposit accounts such as Savings and Checking and we also offer products such as Commercial Real Estate, Lines of Credit and Business Auto.
Hours and/or support Questions
When I have a problem I can call the Service Center, but what are the Service Center’s hours? Are they open on holidays?
The Service Center is open Monday through Wednesday from, 9:00AM to 5:00PM, Thursday and Friday from, 9:00AM to 6:00PM and Saturday from, 9:00AM to 1:00 PM. Closed during the legal holidays.
If I can’t come in or call how could I contact my Credit Union for help on-line?
At present we do not have a Web Chat service but are looking into implementing it in the future. You can always email us at gro.ecnaillaretaerg.wwwnull@ofni and we will get back to you within 24 hours.
I need to put a stop payment on a check and I can’t come in to a branch today what should I do?
Call our Call Center to stop payment on a check at 1-888-554-2328 ext. 280 or stop by one of our branches.
I need to make a deposit and the branch is closed what should I do?
If you have a VISA debit card you can make a deposit using our ATM’s that accept deposits.
When I try to view CU e-statements or Bill Pay nothing happens, it just says to remove pop-up blockers. How do I do that?
In order to receive CU e-statements or Bill Pay the pop up blocker will need to be off. Hold down the Control (Ctrl) button when you click the tab to view it in your account. Or, go to Tools at the top of the computer screen. If you have an option for pop-up blocker, you can click to turn it off. If the pop-up blocker option is not there then go to internet options and click privacy and un-select Turn on Pop-up Blocker.
How can I get a copy of a check drawn from or deposited into my account?
If you have on-line banking you can get copies of any and all checks that you write once they clear your account. If you wish to get a copy of a check you deposited, our Call Center or Member Service Department can get a copy for a $6.00 charge per check.
Online Banking Questions
What is Online Banking?
Online Banking, also known as Cyberbranch, is a tool that allows you to use a personal computer with an Internet connection to conduct your financial transactions online.
How do I enroll for Online Banking?
You need to have your member# handy along with your SS# and click on the “Enroll Now” link to enroll. Fill in all the required information and you are set to start using your Online Banking platform.
What can I do with Online Banking?
You can view account balances and transaction history, transfer money, view cleared check images and much more.
What accounts will I be able to access through Internet Online Banking?
You can access your checking, savings, and loan accounts from Online banking service. Our Online Banking Product is intended to give you as much access, security, and versatility as possible.
I forgot my password and I am locked out of my accounts. What do I do?
If you forget your password please click on the “Forgot Password” link and follow the directions. If you still have difficulties please call us at 888-554-2328 x280 during our regular business hours.
My spouse and I have joint accounts; do we need our own login?
If you do have a Primary account at GAFCU then you will need to go through the Online Banking registration process and you will be able to view all of your accounts and any accounts that you are a joint on. If you are not a Primary account holder on any of the accounts at GAFCU then the Primary account holder will need to give you “Shared Access” through the Online Banking platform.
Note: Joint account holders that are not primary on any accounts cannot create their unique User ID and Password.
Can more than one email be added for notifications?
YES. You can include more than one notification for email. However, you will only be allowed to receive notifications for the email that is setup as your “Primary Email”.
Can members customize alerts?
YES. Members can customize alerts and you can also receive alerts via email or text.
How secure is Online banking?
At Greater Alliance Credit Union your account information is very secure. We use the latest technology to protect our member’s privacy.
Can anyone else access my account?
Absolutely not. Information on Online Banking is not public. Only you can access your account information using your access code. (Unless you share your password with another person or offer shared access to a joint account holder)
When do transactions post to my account?
When you perform a transaction on Online Banking, posting will occur immediately.
Will the member be able to open a subaccount in Online banking?
YES. You will be able to open subaccounts through Online Banking and our Mobile app and also apply for a loan.
Can I request a Withdrawal by Check within Online Banking after the system upgrade?
Check withdrawal is not allowed through Online Banking but you can put a stop payment on a check through Online Banking. You may call 888-554-2328 x280 or stop by a branch to make a request for check withdrawal.
Will my account be purged if I do not use Online Banking?
If you have scheduled Bill Pay (BP) or Scheduled recurring transfers (SRT) your account will not be purged. However, if you don’t have any SRT or BP setup and haven’t performed any activity for 90 days after enrolling for Online Banking your account will be purged from the system.
Can I download my account history information & what software is supported?
You can download your account history into: Microsoft Money; Quicken (versions 2004 and older); and Microsoft Excel as a CSV File. For information regarding Quicken versions 2005 and newer, please contact a member service representative. Account history downloads to Quickbooks is NOT supported at this time.
Mobile Banking Questions
How do I enroll in Mobile Banking?
After you enroll in Online Banking, you will then be able to download the GAFCU Mobile App 2.0 for Android from Google Play Store or Apple App Store for an iPhone.
Your “Username” and “Password” will be the same as the one that you used for the New Online Banking enrollment.
Is Touch ID available for the Mobile App?
A fingerprint can be used to log in securely in lieu of a user ID and password. You will need to have Android 6.0 or iPhone 5S or higher version to have this functionality. You will be prompted to enable Touch ID the next time you login. You can choose to use “Touch ID” option or choose to “Close” that option. You may also go under the settings tab and choose to enable Touch ID at any time.
Same login for Mobile and Online banking?
YES. It will be the same login credentials for Mobile and Online Banking
Can you do person to person transfers on mobile? Bank to bank?
YES. You will be able to do person-to-person payment using Popmoney. At this time we do not have Bank-to-Bank transfers using your Mobile App.
What’s the difference between the Mobile App and the Tablet App?
The phone and tablet app design has a consistent look and feel and has most of the features that are available through Online Banking.
What are some of the new features within the new Mobile App?
All the services that you have within Online Banking will also be available within your Mobile App.
• The ability to review your balances, apply for a loan, pay bills, schedule alerts and more – all with a single convenient sign-in
• Free online money management tools such as Popmoney® personal payments service that lets you send, request and receive money
• Push Notifications and Quick balance view setup
• Find the nearest Surcharge-Free ATM or shared branching location
• Discount links to rental cars
• Remote Deposit Capture and more…
Will eStatements look the same as Print Statements?
NO, eStatments will be in color while printed statements will be in Black and White.
How do I enroll for eStatements if I am a new user?
Simply click on the eStatements Tab within Online Banking and click on “Enroll Today” you will be asked to accept the terms and conditions and update your information within Profile Settings.
Can I access my eStatements through the New Mobile App?
At this time you won’t be able to access your eStatements through your Mobile App however, we are working on making this available couple of months down the road.
Is my eStatement secure?
Yes, your statement is stored behind firewalls and is transmitted to your internet browser using industry security. In addition, our enhanced online customer authentication methods also protect you when you log in to access your eStatement. As always, it is important that you maintain your personal computer with firewalls, the latest anti-virus and operating system updates and spyware protection.
How do I know when my eStatement is ready for viewing?
An email notification is sent to you when your statement is ready for online viewing. To view the statement, you will need to log in to your Online Banking account.
Is there a cost for eStatements?
No, the eStatement service is absolutely free.
Can I receive all notices via email?
When you enroll in eStatements you will receive all your notices and Tax forms electronically.
How long will those statements remain archived within Online Banking?
Online statements for eStatement members will remain in Online Banking for 2 years beginning with the enrollment date, before they are purged. Non-eStatement members will not have access to statements within Online Banking.
How do I update my email address for eStatement notification delivery?
Just visit the eStatements tab within Online Banking go to “Profile Setting” and update your email address. You may also call our Service Support Team at 888-554-2328 x280 or stop by at a branch to update the information.
Can I use a different email address for Online Banking enrollment and eStatement enrollment?
YES, you can have different email address for Online Banking and eStatement.
Bill Payer Questions
Can I use Bill Pay with all my accounts?
You can only use Bill Pay if you have a Checking account. If you do not have a Checking account you will not be able to use Bill Pay.
How do I register for Bill Pay if I am a new user?
It’s very easy, simply click on the Bill Pay tab, you will be asked to enter your Mother’s Maiden Name for verification and accept the terms and conditions. You will receive an email confirmation once you register for Bill Pay.
How do I add new payee?
You may simply type in the name of the person or business that you want to pay. To simplify the payee process, you will see common payees on the bottom of the Bill Pay page; you may just click on the name to quickly add the payee.
Can I pay any bill through Bill Payment?
YES. You can pay any credit card, store card or utility bill using Bill Pay.
Is there a monthly fee for Bill Pay?
There is NO FEE to use Bill Pay. However with our new Bill Pay if you would like to make expedited payments there will be a small fee associated with it.
Is it possible to schedule recurring payments?
Yes. You can schedule weekly, semi-monthly and monthly recurring payments.
When I add a new payee to my bill payment account, or change my account number, how quickly will the change take place?
When you update the information for the bill payment account, the changes are implemented virtually instantaneously.
Can I use electronic bill payment with all my accounts?
No, only checking accounts can be used for bill payment purposes.
When can I start using electronic bill payment?
You can begin bill payment is immediately after registration is complete.
What is the difference between Expedited Payment and Overnight Check Payment?
If a payee can receive payment electronically they you can choose to send the payment electronically overnight, however if the payee doesn’t accept payments electronically then your only option would be to send the payment via an overnight check. Both of these options have a small fee associated with them. (Please check our Fee Schedule)
Are expedited payments made electronically or by check?
You can choose if you would like to make an overnight payment electronically or via Overnight Check, however, if the merchant is not setup to receive electronic payments then you can only choose to make an Overnight Check Payment. If the Payee is setup for both payment options you can choose one of the options. Note: You cannot cancel or edit payment after you have confirmed the payment for expedited payments.
How and when is the money deducted from my checking account?
The funds are deducted on the “Deliver Date.” This will be the date that the payment will need to arrive at the payee.
Can I cancel or change a bill payment?
YES. You can cancel or change bill pay prior to the scheduled date.
What happens if there is not enough money in my account to cover my bill?
Your payment will be made by the credit union and you will be charged an NSF fee. The credit union will attempt to collect the funds 2 times and a 3rd attempt will be made at the end of the month. Each attempt to collect funds will incur a fee to the member. If the funds are still unavailable at the end of the month, we will put a block on the account which does not prevent the member from accessing Bill Pay but will halt any further payments. (Please check our updated Fee Schedule in April 2017)
Can I edit or cancel scheduled payments?
YES. You can cancel or edit any scheduled payments prior to the scheduled date. If you need to put a Stop Payment after the scheduled date you will need to call us at 888-554-2328 x280. There is fee associated with that. (Please see Fee Schedule)
How much bill pay history is available?
You will have Bill Pay history from January of 2016 to date if you are an existing Bill Pay user.
How much does Bill Pay cost?
There is no cost to use our Bill Pay service except when using Expedited Electronic or Overnight Check payment service.
Remote Deposit Capture/Mobile Check Deposit
What is Remote Deposit Capture (RDC)?
Greater Alliance RDC allows you to deposit a check using the Greater Alliance Mobile app on your Internet-enabled iPhone® or AndroidTM mobile device, provided your device has a camera. You must enroll for Mobile Banking to take advantage of RDC.
How do I sign up for Mobile Banking?
Online – By enrolling for Online Banking and selecting the Mobile Banking icon on the overview screen and then downloading the GAFCU iOS or Android app for a smart phone or tablet with Internet access.
Are there any other specifications that need to be met?
You must meet the following criteria to use Remote Deposit:
- Be enrolled in Online banking
- Downloaded and installed our latest mobile app
- iPhone– minimal version 3.10.1
- Android – minimal version 3.13.1
- Must have a share account and meet the credit unions acceptance criteria
- Must be at least 18 years of age
- Current mailing and residence address on file
What should I do with the check after I’ve completed my deposit?
Write today’s date and the word “Deposited” on the front of the check. Keep the check in a secure place and destroy it after 45 days.
Is there a limit to the amount I can deposit using Greater Alliance Mobile Deposit?
Yes, there is a limit of $3,000 per day and $3,000 per item.
Can I make multiple deposits into my account in one day?
Yes, you can make multiples deposits in one day; however the maximum total for the day is $3,000. Anything larger than that, you can come visit us or mail the check.
What accounts are ineligible for Remote Deposit Capture?
Any Retirement accounts, Share Certificates and loans
What type of accounts can I make deposits to?
Deposits can be made to any share savings or share draft checking account to which the member is an owner.
Are there any hold times? When will the deposit be processed?
Accepted deposits can be viewed in the account immediately. A hold will be placed all mobile deposits and funds will be made available based on our Funds Availability Policy. The release/availability date will be viewable in the Account Summary.
What types of checks can be deposited using Remote Deposit?
Personal or business checks drawn on a financial institution and payable in US currency and US Money Orders. If the check is payable to multiple parties, all parties must be on the account being credited.
How should the checks be endorsed? Do I need to include a deposit ticket? How long the deposited check should be retained?
All checks should be endorsed with the payees’ signature and include the following words “For mobile deposit at Greater Alliance FCU only”. Deposit tickets are not required and will not scan. Deposited checks should be retained in a secure area for a minimum of 45 days.
Will any other type of confirmation be sent?
We will send you an email when we receive your deposit. If your deposit has been declined you will also receive an email with further instructions.
Where do my funds get deposited when I have multiple accounts?
You can deposit the check to any Share Savings or Share Checking account of your choice.
Are there types of checks that I may not deposit through Greater Alliance Mobile Deposit?
Ineligible items include:
– Checks payable to any person or entity other than the account owner
– Checks that have been altered in any of the check fields
– Checks that are not payable in US dollars
– Checks that are stale or postdated
– Checks that are stamped “non-negotiable”
– Check or items payable to you and another party who is not a joint on the account
– Any third party check (a check made payable to another party and “signed over” to the depositor)
– Checks that are incomplete ( e.g., any items that does not contain the signature of the maker, endorsement signatures, or other required information).
– Your Personal checks made out to cash are acceptable and any checks made out to cash that is over $500 that are not your personal checks will not be accepted.
Can I cancel Remote Deposit Capture?
There is no long term contract. But if you must cancel the service we understand, just call or stop by one of our branches and we will stop the service.
Important Tips on Remote Deposit Capture?
When taking a photo/picture of your check, please make sure that the check is flat and smooth and there are no shadows on the check. It is best to take a photo on a dark surface and keep the check image within the view finder on your screen.
It is important that the check is not blurry, all four corners are visible and the numbers on the bottom of the check are readable.
What is Apple Pay?
Apple Pay is a payment service integrated into the Passbook® app of Apple Pay-equipped devices that lets you add your Greater Alliance Debit Card to Apple Pay to make purchases at participating retailers using secure Near Field Communication (NFC) technology. The Apple Pay service is not available for Greater Alliance ATM cards.
What is Google Pay?
Google Pay is a simple, secure, and fast way to pay, in stores, in apps and online using Google Pay-equipped devices. Google Pay is a new home for your cards so that you can pay with your phone. Simply get the app, add a card and you’re ready to pay! Google devices that support Google Pay are those which are Near Field Communication (NFC)-enabled and running KitKat 4.4 and above.
What is Near Field Communication (NFC) technology?
Near Field Communication (NFC) is a short-range wireless technology that allows two devices to exchange information quickly, securely and conveniently at close proximity. Apple Pay uses NFC technology to transmit tokenized payment card information from your phone to a contactless payment terminal.
What is a token and tokenization?
Your payment card information, such as the 16-digit account number found on the front of your card, is replaced with a digital account number or token that can be securely stored on devices and used to make purchases. Your credit and debit card numbers are not stored on the device or on servers. This helps to reduce the potential for fraud.
The tokenization process is invisible to you and happens behind the scenes. It also helps to simplify checkout by eliminating the need to enter and re-enter your account number when buying items in mobile applications “in-app” or at the point-of-sale.
How do I use my Greater Alliance Debit Cards with Apple and Google Pay?
To add your eligible VISA Debit cards to Apple or Google Pay, follow the instructions here. Mobile Wallets provide the same benefits and protection as your physical card, with the convenience of making secure in-store transactions on your Apple and Google Pay-enabled devices.
How do I get Apple or Google Pay on my device?
Apple Pay is integrated into the Passbook app, which comes pre-installed on most newer Apple mobile devices. You will be given an opportunity to configure Apple Pay upon setup of your new device or installation of the iOS update when it becomes available. If you already have established an iTunes®account, the credit or check card that is on file will be made available to you immediately upon Apple Pay setup. You will have the ability to add additional eligible Greater Alliance Debit Card using the iSight® camera to instantly capture your card details, or you can enter the information manually.
You can download the Google Pay app from your Google Play store. It also comes pre-installed on most newer Android devices. To add a card with your Android phone: Open the Google Pay app; If you have multiple Google Accounts in Google Pay: At the top left of the app, touch your name, then choose the account you want to add a card to. At the bottom right, tap +. Tap Add a credit or debit card. Use the camera to capture your card info or enter it yourself. When you’re asked to verify your card, choose a verification method from the list. Find and enter the verification code. You can add one or multiple cards to Google Pay. If at any point you need help, please call us at (888) 554-2328 Or click here for an instructional video.
On which devices do these wallets work at Greater Alliance?
Apple, Samsung, Garmin, FitBit and Google Pay work on most newer Apple and Android devices, respectively, that are enabled with Near Field Communication (NFC) technology. Please check with Apple and Google support for a list of compatible devices.
How do I pay using a Mobile Wallet?
For iPhones and iPads – Simply hold your device near the contactless reader and keep your finger on Touch ID or enter your passcode. For Apple watch – double click the side button to activate Apple Pay and hold your watch near the reader. A sound, screen check mark and vibration will let you know that the payment was successful.
For Android: Android devices that support Google Pay are those which are Near Field Communication (NFC)-enabled and running KitKat 4.4 and above.
On enabled devices, you can also use Apple Pay to pay with a single touch in-apps. Checking out is as easy as selecting “Apple Pay” and placing your finger on the Touch ID.
How do I know which card is my default payment card for Apple and Google Pay?
The first card you add to Apple Pay automatically becomes your default payment card, but you can go to Passbook anytime to pay with a different card. If you add your payment card from your iTunes account to Apple Pay, this card automatically becomes your default card in Apple Pay.
To change your default card, go to Settings on your iPhone or other Apple-Pay compatible device, then select Passbook and Apple Pay. You may then choose your default card.
Can I add other internationally-issued cards from non-U.S. financial institutions to Apple and Google Pay?
At this time, Apple Pay is only available in collaboration with certain U.S. financial institutions and card issuers. The availability of Apple Pay outside the U.S. will be determined by Apple.
Can I use Apple and Google Pay to make contactless payments internationally?
Yes. Apple Pay has been designed to enable contactless payments internationally (provided the merchant is able to accept Apple Pay with Near Field Communication) much like how you are able to use your credit or check card internationally.
Do I need to be connected to the Internet?
For in-store contactless payments you do not need to be connected to the internet.
How do I remove my card from Apple and Google Pay?
To remove your check or credit card from Apple and Google Pay select the card in Passbook, then click on the ‘info’ icon in the bottom right corner to view the back of the card. Scroll to the bottom to find the remove card option. This will instantly remove the card from Passbook and the Secure Element or token on the device.
Dual Debit card holders, example:
If a husband and wife have the same card number, can the card be loaded on different phones? Yes.
Can I load the same card on two phones?
Yes. (The card example above would then have two tokens associated with it).
Is thumb print recognition required?
Yes. What if it is not working? Then the 4-digit security device code can be entered.
SECURITY AND DATA PRIVACY
Does the credit union need to update the token’s expiration date once a card is reissued?
Yes; at this time, the old token needs to be deleted and the new card will need to be provisioned in order to match the new card’s expiration date
How does Mobile Wallets keep my payment information secure?
By using tokens, Apple Pay prevents your payment card information from being exposed when you shop. This reduces the risk of your payment data being stored or compromised, because only the token is passed on and your payment card information is never shared with the merchant. In addition, if your device is ever lost or stolen, you will not need to cancel your payment card, only the token, which can be quickly disabled and then reissued.
How does my Mobile Wallet transmit payment details?
When shopping in-store, hold the device in front of a contactless reader. The token information stored on the device is transmitted directly to that contactless reader.
Are my credit and debit card numbers passed to the merchant?
No. Your credit and check card numbers are NOT transmitted to merchants, stored on your Apple device, or on Apple’s servers. Instead, a digital account number or “token” is passed on to merchants.
Can I remove my token or digital account number stored on my devices?
Yes, when you remove a payment card from Apple Pay on your device, the token is also removed. If you remove your card from Apple Pay you will still be able to continue to make purchases with your physical credit or check card.
What if my Phone is lost or stolen?
The consumer should report the device as lost, either by telephone or in person, and Apple may suspend or delete the Provisioned Card on an enabled device.
If the phone device is stolen, can anyone use the phone for a purchase if the phone is not password protected?
No, the password to access the phone is independent and in addition to the authentication required for Apple Pay. Cardholders must set up a pass-code, PIN, biometric identification, or other comparable authentication mechanism enabled by Apple to control access to the Apple Payment Platform on an Enabled Device.
What information is stored about my purchases?
Transaction data that is stored is kept anonymous and recent purchase history is kept private, and stored only on your device and not on Apple servers. In addition, the information is not used by Apple, Google or merchants for marketing purposes.
CONVENIENCE AND USAGE
What happens if the phone is lost?
The consumer should report the device as lost, either by telephone or in person, and Apple may suspend or delete the Provisioned Card on an enabled device.
What happens to Mobile Wallet when I replace my device?
If you replace your device, you will need to add your card(s) again to Passbook as a new Apple Pay setup.
If I sell or give away my device, what will happen to the information on it?
When selling or giving away your device, you should make sure to remove all payment cards from your mobile wallet. Alternatively, you may reset your phone to factory settings which will also remove all Mobile Wallet information from the device. If you forget to do this, please contact Greater Alliance 888-554-2328 x280 to perform these actions on your behalf.
Will I continue to earn Debit Card Rewards® points on purchases made with my Greater Alliance Debit card through a Mobile Wallet?
Yes. Purchases made through any Mobile Wallet using Greater Alliance Debit cards that are enrolled will earn rewards as usual.
How will transactions appear on my statement?
Transactions made through Mobile Wallets will appear as check and credit card transactions as they currently do on your statements today.
What should I do when I receive a new, renewed or replacement card?
What if I need to return an item purchased with Mobile Wallet?
Any returns are processed as they are today. However, individual merchants’ return policies may vary.
What payment information will appear on my purchase receipt?
Receipts for purchases made with Mobile Wallets may display the last four digits of your token, which is different from the last four digits of your payment card number.
If I have a credit card with a chip imbedded in it, will it work with any Mobile Wallet?
Yes, Apple Pay works with chip-enabled personal Check or Credit cards.
Can I have my card stored in Apple or Google Pay on more than one device?
Yes. You can add multiple cards to Apple or Google Pay on multiple eligible devices.
Can I have more than one card in Apple and Google Pay?
Yes. Apple Pay can store up to eight (8) eligible Credit and Debit cards.
Who do I contact with questions about my Mobile Wallet?
Please contact Service Support Department at 888-554-2328 x280.
Which devices are compatible for Mobile Wallet?
All devices must have NFC (Near Field Communication) Capability to pay with the wallet. *For the most up-to-date device list, please visit the wallet websites.
Apple Pay: iPhone
In stores, within apps, and on the web in Safari*
- iPhone X
- iPhone 8
- iPhone 8 Plus
- iPhone 7
- iPhone 7 Plus
- iPhone 6s
- iPhone 6s Plus
- iPhone 6
- iPhone 6 Plus
- iPhone SE
In the United States,3 you can use Apple Pay Cash and person to person payments on the above devices.
Within apps and on the web in Safari
- iPad Pro
- iPad (5th generation)
- iPad Air 2
- iPad mini 4
- iPad mini 3
In the United States,3 you can use Apple Pay Cash and person to person payments on the above devices. Apple Watch
In stores and within apps, paired with iPhone 5 and later*
- Apple Watch Series 3
- Apple Watch Series 2
- Apple Watch Series 1
- Apple Watch (1st generation)
In the United States,3 you can use Apple Pay Cash and person to person payments on the above devices. Mac –On the web in Safari
- MacBook Pro with Touch ID
- A Mac model introduced in 2012 or later with an Apple Pay-enabled iPhone or Apple Watch
Android Pay: Android Operating System – 4.4 and up
Android Phones can only use Android Pay
Android Pay is available on all non-rooted Android devices (KitKat 4.4 and up).
- Rooting is the process of allowing users of smartphones, tablets and other devices running the Android mobile operating system to attain privileged control (known as root access) over various Android subsystems. Rooting is how to get complete access to everything in the operating system, and those permissions allow you to change it all. It gives the users the ability to say what is running and what isn’t running to control data & battery life.
Samsung Pay: Android Operating System – 5.0 and up
Samsung Phones can use Android Pay OR Samsung Pay but they can’t be loaded at the same time. Galaxy S7, Galaxy S7 Active, Galaxy S7 edge, Galaxy S6, Galaxy S6 active, Galaxy S6 edge, Galaxy Note5, Galaxy S6 edge+
Microsoft Wallet: Microsoft Wallet is available on Windows 10 devices.
Fitbit Pay – Compatible Device: Fitbit Ionic
Garming Pay- Compatible Devices: vivoactive 3, Forerunner 645, Forerunner 645 Music
How is this really multifactor authentication if the passcode is sent to the same device?
First, the login has to be verified with the specific phone that it is tied to the end user’s account. Second, the phone has to be in the end user’s hand at time of login.
Am I able to change the phone number(s) that I registered to use for authentication?
You are able to change your registered phone number(s) within Online Banking, but there are currently no settings that allow this to be done within Mobile/Tablet Apps. However, during first-time use of multi-factor authentication, you are able to change the phone number(s) you use for authentication. This will allow a Mobile or Tablet Apps-only user to add a new number or change an old number that was set up, so you can log in from the registered phone
If I don’t have any registered phone numbers, will I be able to log in?
YES, use the same approach as the authentication setup in Online Banking. On Step 1, you are prompted to enter a phone number if you are a Mobile or Tablet Apps-only user and have not registered a phone number for use with Online Banking. You will use this phone number for future login attempts on other devices.
What happens if my mobile device is stolen or lost?
Call the carrier to report it and cancel service to the phone/tablet.
• Do a remote lock or data wipe via another device.
• Use the “Unenroll all” feature in the Support Dashboard in the case devices are lost or stolen, so that the user will be forced to go through Multi-factor Authentication again during their next login.
Do you mask the phone numbers in the feature?
YES, phone numbers are masked throughout all points of the authentication process.
Will I need to authenticate each device that I am using?
You only have to authenticate a device one time and you can have up to 2 devices authenticated. This is so we can provide additional security to the end user across each access point that they engage with their Financial Institution.
Will I have to authenticate every time I log in or only the first time?
You only have to authenticate your devices the first time. Then, we will create a secure cookie that will be used to ensure that each future login attempt is made by the same user on the same device. If you erase the cookie from a device, you will have to authenticate the device again.
What if users are located in other countries and have non-U.S. phone numbers?
You can use the voice authentication method for international numbers.
How much does Skip-A-Payment cost?
For loan payments $600 and below the cost is $40 for loan payments above $600.01 and above the cost will be $60. There is also a convenience fee of $1.50 to make a payment via Debit/Credit card.
How will Skip-A-Payment affect the term of my loan?
The skipped months will be added to the end of your loan, extending the term of your loan. Interest will continue to accrue during the skipped months.
Which loans are eligible for Skip-A-Pay?
The following loans are eligible for Skip-A-Pay:
- Unsecured Personal Loan
- Enterprise Auto Loan
- New & Used Auto Loan
- First Time Auto Buyer Loan – One time during the life of the loan.
- Recreational Vehicle Loan
- 5, 10, 15 and 20 Year Fixed Rate Home Equity Loan
How many times may I use Skip-A-Pay?
Members’ are allowed 4 Skips during the term of the loan and they can initiate it any time of the year according to their convenience. However a loan can only be skipped 2 times consecutively. There will be a wait time of 120 before the next Skip can be initialized. Each loan will have to be skipped one-at-a-time. For each skip you will receive a separate confirmation page and unique code and a confirmation email.
Does everyone automatically qualify for a skipped payment?
All loan and accounts must be current, in addition any share accounts cannot be in the negative over 35 days plus you will need to make 3 consecutive payments before you can qualify for a Skip.
What if I have requested to Skip a payment on a loan in which I have scheduled a payment within Online Banking?
If you use an Online Banking transfer to make the payment on a loan selected for Skip-A-Pay, please make sure to suspend the Online Banking payment transfer for the month in which the payment will be skipped.
I have an automatic payment for my loan. Will it stop to accommodate the skip payment?
If you have any automated Share Transfer, Loan Transfer or ACH Origination, it will be accommodated to make the Skip.
Why doesn’t my loan appear in the “Loans eligible to be skipped” section?
This could be because you have already reached the limit that you can skip for the term of the loan or that loan type is not eligible for a Skip. Please see above the list of loans that is eligible for a Skip. If you are still having difficulties please contact our Service Support Department at 888-554-2328 x280.
I just opened a new loan account. Can I skip a payment?
No. You have to make 3 consecutive payments before you are eligible to Skip the payment on that particular loan.
EMV VISA Debit/Credit Questions
What if my New Chip Card is lost or stolen?
If you are New Chip Card is lost or stolen please call us immediately at 888-554-2328 x280 during our regular business hours or if it’s over the weekend, after hours or holidays, please call 855-735-1588
What if I forget my PIN 6 months down the road and need to reset my pin?
If you forget your PIN, please call 866-985-2273 and follow the prompts to reset your pin.
What if a store doesn’t have a chip terminal?
The card will still have a magnetic strip that can be used if a store hasn’t upgraded their terminal yet.
Can I still make online purchases?
YES, you can make online purchases the same way you do today.
Are stores required to have chip terminals?
No, but the responsibility will be put on them if a data breach occurs.
Why is my VISA Debit Card not working?
Debit Cards have daily limits. The limit is $500.00 a day using the PIN at a store or ATM machine, and $2,500.00 a day using the card as credit card. If you have a loan with Greater Alliance that is ten days or more past due the card will be blocked until your loan is brought current.
Why would my available cash balance be different from my balance?
When you use a debit card, the merchant sends a confirmation to the Credit Union for an authorization. When the approval is given, the balance in your checking account is reduced or “blocked” by the amount of the purchase. This is known as a pre-authorization hold. The merchant determines the amount of the hold. Greater Alliance CU establishes the length of time the hold remains in place. Typically the hold stays on your account until the funds are transferred to the merchant, or 24 hours.
There’s a charge on my account from my VISA card that I don’t recognize! What should I do?
Some companies use different names, so always try to contact the company first (VISA requires this) to try to get your money back. The next step is to complete a debit/card dispute form and return it to a credit union representative. When we receive your written dispute, we work with VISA to get your refund processed.
Why won’t my VISA credit card and/or Debit card work for transactions outside the U.S.?
Overseas fraud is on the rise. You can use your card internationally by notifying the Service Support Department at 1-888-554-2328 ext. 280. For your benefit, we recommend notifying us prior to traveling.
DEBIT CARD PURCHASE REWARD Questions
What is this rewards program?
This rewards program lets you earn rewards by using your GAFCU Debit Card to purchase merchandise and services. The program is available to all debit card users. Through this program, you’ll receive targeted offers to receive rewards on purchases based on how you shop. As a Cardholder, there is no limit to the rewards you can earn. So, the more you use your GAFCU debit card, the more offers you can receive and the more rewards you can earn!
What is the benefit of these offers in my online banking account?
This is a new program to help you earn even more rewards. We bring you offers from the types of retailers you shop with every day.
How do I earn rewards?
This rewards program is based on how you currently shop, so the offers you receive are relevant to you. The more you use your debit card, the more chances you have to receive offers. Using technology centralized within on, your transactions are matched with current merchant offers.
To earn rewards, click on an offer to see the details; this automatically loads the offer onto your debit card. Then shop at the specified retailer and pay using your debit card to earn the reward.
Do I need to use a coupon or code to earn rewards?
Typically, you do not need a coupon or code to redeem an offer. Each offer has different specifications regarding when and where you shop and how much you need to spend. Offers that require an online purchase are clearly specified and may include a redemption code. Please read offer details to determine how to redeem each offer.
Can I use another coupon or discount from this retailer with my offers?
Yes, if the amount paid with your debit card meets the requirements of the offer after the coupon or discount is applied.
If I have more than one account, will I see the same offers on both accounts?
Offers are matched on an account level, based on the purchases made with your debit card for that account. If you make different purchases with different accounts, you will see different offers in those accounts. You must use the debit card connected to that account to redeem the offers for that account.
Can I use any of my debit cards to earn rewards?
You have to use your debit card that is associated with the account that received the offer to earn rewards.
I see offers, but I don’t have a debit card. How do I take advantage of these offers?
Please ask us about getting a debit card associated with that account so you can start taking advantage of your offers! Give us a call at 888-554-2328 x280 or stop by any one of our branches.
Is my personal information shared with retailers?
No. Your personal information is not shared with retailers. In fact, no personal information leaves GAFCU.
Is this program free?
Yes, this program is free! There is no cost associated with this program, making it easy for you to earn rewards. This new rewards program is just another benefit of using GAFCU Debit Card.
How do I sign up?
If you have a debit card, you are automatically enrolled in this rewards program but you must be enrolled for Online Banking to redeem these rewards.
What if I do not want to receive offers?
You can opt-out by clicking on the “Stop receiving all offers” link on the rewards summary page. This link can be found in the upper right part of the rewards summary page. If you opt-out of the rewards program at this time but change your mind later, please contact our Service Support Department at 888-554-2328 x280 and we will resume providing offers to you.
Will I still earn rewards if I opt-out?
Rewards earned prior to opting out will be credited to your account.
How do I opt back in?
If you’ve opted out of the rewards program but change your mind at a later time, please contact our Service Support Department at 888-554-2328 x280 and we will resume providing offers to you.
Where do I shop/ When do I shop/ How much do I have to spend to get rewards?
Each offer is based on how you currently shop, so the offers that you receive are relevant! To redeem the offer, simply click on it to see the details; this automatically loads the offer onto your debit card. Then shop at the specified retailer and pay using your debit card to earn the reward.
Each offer has different details regarding when and where to shop and how much you need to spend. Offers that require an online purchase are clearly specified and may include a redemption code. Please read the details to determine how to redeem each offer and start earning rewards.
Do I have to shop online?
Each offer has different specifics regarding when and where to shop and how much you need to spend. Offers that must be made online are clearly specified and may include a redemption code.
Where do I go to see offers?
You can find offers on the new home page beneath transactions in the transaction history or in the “rewards” section in the upper right part of the page. Offers can also be found on the account history page or the rewards summary page. New offers will be labeled as “New Offers” until you click to activate them. Once clicked, the reward is “loaded onto” the associated debit card. All offers can be viewed by visiting the rewards summary page.
How long do I have to take advantage of an offer?
Each offer has an offer period that was set by the retailer. You must redeem offers before the expiration date. The expiration date can be found in the offer details section of the offer by clicking on the offer.
Why don’t I have any offers?
Offers are based on how you currently shop to ensure the offers you receive are relevant. If you seldom use your debit card, you may not receive any offers until you begin using your card more. The more you use your GAFCU Debit Card, the more chances you will have to receive relevant offers!
You may not be receiving any offers because you accidentally opted out of the program. If you cannot access the rewards summary page or don’t see the “rewards” section in the upper right part of the new home page, you are not enrolled in the rewards program. Please call our Service Support Department at 888-554-2328 x280 to be opted back in.
I used to see the program when I logged into online banking, but it’s not there any longer.
Offers are only presented to eligible account types. It is possible that GAFCU has restricted your accounts from this program because your account type is or no longer is eligible.
Where can I find my expired or redeemed (used) offers?
Expired offers can be accessed through a link at the bottom of the rewards summary page. The expired offers page shows your expired offers in the last 90 days and excludes any offers that you have redeemed.
When do I receive the rewards for the offers I redeem?
Your rewards will typically be deposited to your account the month after you redeem the offer. Since we do not share your personal information with retailers, we cannot credit your account immediately at the time of purchase. For example, any rewards you redeem in the month of September typically will be credited to your account at the end of October. If you would like to see the offers you have redeemed or the total value of the offers you have redeemed, please visit the rewards summary page.
How can I view all of my offers and/or how can I tell what offers I am supposed to be credited for?
To view all offers that you have redeemed, go to the rewards summary page. The rewards summary page contains all offers you have received, those you have redeemed and the specifics for each offer including the offer expiration dates.
How long do I have to take advantage of an offer?
Each offer has an offer period that was set by the retailer. You must redeem offers before the expiration date. The expiration date can be found in the offer details section of the offer by clicking on the offer.
If I return merchandise used to redeem an offer, do I keep my rewards?
Yes, you will keep any rewards earned.
Do I have to pay any taxes on the rewards I earn?
No, you do not have to pay any taxes on your rewards. These rewards are similar to other coupons, except they are redeemed more easily by using your debit card.
I haven’t been receiving any offers.
Offers are based on how you currently shop, so that the offers you receive are relevant. If don’t frequently use your debit card, you may not be receiving any offers. The more you use your GAFCU Debit Card, the more chances you will have to receive relevant offers!
I did not receive my rewards when I made my purchase.
Rewards are not received at the point of purchase because no personally identifiable information is passed to the retailers. On average, you will receive rewards for redeemed offers approximately one month after the month the redemptions were made. For example, redemptions made in September will typically be credited to your account approximately at the end of October. Check the rewards summary page on the website to ensure the purchase qualifies as redemption of the offer.
I did not receive the correct amount of rewards.
Each offer has different specifics regarding when and where to shop and how much you need to spend. Check the rewards summary page on the website to ensure the purchase qualifies as redemption of the offer.
I saw an offer earlier, but when I went to the new home page, it wasn’t there.
The offer either expired or was redeemed. Expired offers can be accessed through a link at the bottom of the rewards summary page. The expired offers page shows your expired offers in the last 90 days. Redeemed offers (for the current month and previous two months) are displayed in the “Enjoy” column of the rewards summary page.
I had an offer that expired yesterday. Can I still get it?
No, once an offer has expired there is no way to retrieve it. You can view expiration dates for all your offers on the rewards summary page.
Someone I know received an offer I want. How can I receive that offer as well?
Each offer received through the rewards program is based on how your currently shop, so the offers you receive are relevant to you. Since everyone’s transaction history is different, there is no specific way to get someone else’s offer other than to have the same transactional history as that cardholder.
DEBIT CARD ALERT Questions
How much does it cost to use this service?
If you elect to receive e-mail consumer-selected alerts, there is no cost to you. If you elect to receive SMS consumer-selected alerts, alerts will be sent to your mobile phone via text message and standard text message and data rates assessed by your mobile carrier may apply. Please check with your mobile carrier to ensure that you own an SMS capable mobile handset that is registered on a carrier network and elected for a data plan that includes use of the mobile handset’s SMS capabilities.
What if I do not have text messaging on my mobile phone?
Text messaging capabilities on your mobile phone is required to receive SMS consumer-selected alerts. If your mobile phone is able to send and receive text messages, but you do not subscribe to this service, you will need to contact your mobile phone provider to add a text messaging feature to your phone plan.
Can members sign up for the alerts through our mobile app?
The solution that is being set up is on a dedicated hosted website. You may share the url to connect and be viewed on the mobile devise web browser.
How do I register for alerts?
- Click ‘Register or Return’
- Enter the requested information
- Select any alerts you would like to receive
- Click submit
What carriers currently participate in this service?
T-Mobile, Verizon Wireless, AT&T, Sprint, Interop – Appalachian Wireless, US Cellular Corp®, Cincinnati Bell, Boost Mobile, Cricket Communications, Virgin Mobile USA, ALLTEL Communications Inc.
How long should it take to receive an alert?
Typically, responses arrive within 10 minutes for debit cards, but timing may vary. You may experience delays or failures in delivery of an alert because of any of the following circumstances: (1) merchant delay in processing a transaction; (2) delays and/or failures attributable to network operators and telecommunications providers; (3) if your mobile device is off or out of operating range of a carrier with an appropriate signal for SMS and/or data services; (4) a variety of other wireless service and coverage conditions; (5) active or passive filtering of e-mail messages; and (6) insufficient space in the email account that is to receive email messages.
I enrolled in the service on-line and never received a text message to complete my registration?
Your mobile phone may be blocked from receiving third-party text messages. Check with your carrier and ask them to remove the block from your phone.
If I am traveling outside of the U.S., can I receive text message alerts?
No. Messages can only be sent via U.S. carriers and will only be receivable in the U.S. If you live or travel outside of the U.S., you will need to specify an email address to begin receiving alerts to that email address.
Can I add multiple phone numbers?
Yes. If you are an authorized user, you can enroll as many mobile numbers and email addresses for an account as you wish. You may create a unique 10 character alphanumeric registration nickname per registration to assist you in identifying the card for which the alert is triggered.
What if my card is lost or stolen?
In most cases, your existing alert settings will be transferred to your new card number. Please review your settings online to ensure you continue receiving text messages or emails about potential fraudulent activity.
Why do I receive multiple messages with Pg1/2, Pg2/2?
Text messages are unique in that they can only hold 160 characters. Some commands require multiple messages to return all of the necessary information.
Is this service safe and secure?
Yes. Our first priority is to protect your personal information. If you ever receive a text message asking for your member number, account numbers or other personal information, please do not respond.
If my mobile phone number changes, what do I need to do?
In order to receive alerts to your new number, you will need to re-register your new mobile number by changing your phone number within your saved registration.
Can members opt out of text alerts?
Yes. The member can send a text that says STOP to 72488. The will receive an opt-out confirmation.
They may also unsubscribe to this service by deactivating their registration on the site.
Can I register for different alerts on my mobile numbers versus my email addresses?
Yes, you will need to create 2 distinct registrations one for each destination.
How do I confirm alerts I’ve registered to my mobile numbers and email addresses?
Click ‘Register or Return’. Enter the requested information. Review the alerts selected. If changes, proceed with what you’d like to change. Click ‘Submit’. If no changes, Click ‘Home’ or exit browser.
Is there a limit on the dollar amount that you can setup an alert for?
YES. The minimum dollar amount required to setup an alert is $1.00
Is there a cost to the member for receiving the alert?
For e-mail consumer-selected alerts, there is no cost. If electing to receive SMS consumer-selected alerts to the mobile phone, standard text message and data rates assessed by the mobile carrier may apply.
What number will the alert come from?
The number that the alert will be sent from is 72488.
What is an ATM surcharge fee?
Commonly referred to as a surcharge, this is the fee the owner(a non GAFCU,
CO-OP or Allpoint) of the ATM machine assesses to all “foreign” cardholders (i.e., someone that is not a cardholder of the institution owning the ATM).
What is a Foreign ATM fee?
A FEE charged by GAFCU for using ATMs that are not owned by GAFCU and doesn’t fall under COOP or Allpoint network is referred to as a foreign ATM fee.
Can I use my ATM and Debit Card and not get assessed a fee?
Yes, you can use your GAFCU ATM and DEBIT card unlimited times a month at any of the GAFCU owned machines or use them at a CO-OP or Allpoint Network and not be charged a fee.
What is Allpoint Network?
Allpoint is a network of 55,000 ATMs through which certain cardholders of member financial institutions participating in Allpoint can get surcharge-free access to their accounts. Not all accounts at Allpoint member financial institutions may participate in Allpoint. Check with your financial institution to be sure that your account participates in Allpoint.
I just receive a notice form my financial institution that I now have access to Allpoint. How do I enroll? What are the fees?
There are no fees assessed by Allpoint to the cardholders of participating financial institutions. Enrollment in Allpoint is automatic. You can start using Allpoint today, by finding a surcharge-free Allpoint ATM on our ATM locator
Where are Allpoint ATMs located?
Allpoint’s 75,000 surcharge-free ATMs are located in local, regional and national retailers across all 50 states, Puerto Rico, Canada, Mexico, Australia and the United Kingdom. This includes merchants such as CVS/pharmacy, Kroger, Target, Walgreens, Winn-Dixie and many others. Use the ATM locator to find the Allpoint ATM closest to you.
How can I be sure that the ATM I’m using is an Allpoint ATM?
Simply use our ATM locator to find Allpoint ATMs. All ATMs listed on our official Allpoint ATM locator are surcharge-free for Allpoint cardholders to use.
I used an Allpoint ATM and the surcharge message screen said I would be assessed a surcharge for the transaction I was attempting? Will I be charged? Why does this happen?
No. Due to the technical limitations of certain types of ATM machines, we are not able to prevent the “surcharge message” screen from appearing on some Allpoint ATMs. You should continue the transaction by answering “yes” on this screen. When you get your receipt, you’ll see that you were not assessed a surcharge (i.e., the withdrawal amount on your receipt will show $20, $40, $60, etc., as opposed to $21.50, $41.50, $61.50, etc. shown when you pay a surcharge).
My card is participating card from an Allpoint member financial institution, but when I used an Allpoint ATM, I was assessed a surcharge fee. How can I get a surcharge refund for these fees?
If you require a surcharge refund, please contact your card provider.
Your website listed a certain ATM as part of your network, but when I went to use the ATM, the Allpoint logo was not on the machine. Is this ATM still surcharge free?
Yes. All ATMs listed on our ATM locator are surcharge-free, even if the Allpoint logo is not on the ATM.
Are there any limitations to how many items I can use an Allpoint ATM?Participating cardholders of Allpoint member financial institutions are entitled to an unlimited number of surcharge-free transactions at Allpoint ATMs. However your card provider may have limitations in place so please check with them.
Can I still use ATMs that are not part of Allpoint?
Yes. Your ATM card will continue to work at ATMs that are not included in the Allpoint network. However, the amount, if any, surcharge fee that you will be assessed at such non-participating ATMs will be determined solely by the owner and operator of that ATM and not eligible for reimbursement by Allpoint. There will also be a Foreign ATM fees charged by the GAFCU.
Can I use an Allpoint ATM branded by another financial institution?
If your institution participates in Allpoint Network, ATMs on the Allpoint Locator are guaranteed surcharge-free regardless of location branding. The ATM should have an acceptance mark with the Allpoint logo in addition to being on the locator.
How often is ATM locator updated for Allpoint Machines?
The ATM date used in the Allpoint locator is update every two weeks to reflect any changes to our network locations.
Who is CO-OP?
CO-OP is a total of, nearly 30,000 ATM locations, more than 5,600 shared branch locations nationwide.
How can I be sure that the ATM I’m using is a COOP ATM?
Simply use our ATM locator to find COOP ATMs. All ATMs listed within the ATM locator are our official free ATMs.
How can I apply for a loan?
You can apply for a loan at www.greateralliance.org, call our loan Department at 1-888-554-2328 ext. 290, during our business hours or stop in to any of our locations.
What type of loans does Greater Alliance Credit Union offer?
Greater Alliance Credit Union is the answer to all your lending needs. We offer a wide variety of loans: mortgages, home equity lines of credit, fixed home equity loans, auto loans, boat loans, RV loans, personal loans, and debt consolidation loans.
My loan is on automatic payments and the due date is a weekend or holiday, when will it post on my account?
Automatic payments are scheduled to transfer to the loan in the evening. In the event that the payment is scheduled for the weekend or a holiday, the payment will transfer to the loan the next business day, in the evening. The delayed processing will not negatively impact your account.
My loan due date is not on the best day for me. Can I change my due date?
Greater Alliance Credit Union will allow you once within the life of the loan to permanently change the due date. ** You will need to contact one of Greater Alliance Credit Union’s loan department at 1-888-554-2328 ext. 290.
**This does exclude Real Estate Loans, Home Equity Loans, Line of Credits
My payment might be a few days late, will there be a fee?
After 10 days late on a consumer loan, the Credit Union charges $ 25 loan late charge fee.
I am having trouble this month making the payment. What should I do?
We encourage you to contact your Member Service Department immediately upon experiencing difficulty making your payments. We will work with you to find a solution.
What are some convenient ways I can make my payments?
If you sign up for on-line banking you can make transfers from deposit accounts to your loan anytime of the day. Greater Alliance FCU is also affiliated with Shared Branching, you can check on our website to find a location near you.
Electronic Services Questions
What electronic services does Greater Alliance Credit Union offer?
Greater Alliance Credit Union has many electronic services. We offer Bill Payer, Direct Deposit, Payroll Deduction, E-Statements, VISA Check Cards, Online Banking, Overdraft Protection, Teller-Phone, Wire Transfers, and our web site!
I’m trying to transfer on-line and it says I have met my limit. What is this and what does it mean?
Reg D is a federal regulation that pertains to the number of electronic withdrawals and transfers that come OUT of a non-transactional (savings) account. There is a limit of 6 per month and it is reset every month on the 1st. This does not apply to transactional accounts such as a checking account. You can come into a branch to perform the transfer, use a shared branching location, or make the transfer or withdrawal at an ATM if you have a debit card. The call center will not be able to process your transfer request by phone once the Reg D limit has been reached.
User Name and Access Code, is that the same as Log In and Password?
Yes. Your username is set up by you so you’re not entering your account number online. The Access Code is also set up by you, for your protection.
I don’t have internet access how do I make a transfer or check on my account?
Our Telephone Banking is our 24/7-telephone system that provides members with access to their accounts using a touch-tone telephone. It is user friendly and free to all members.
I can’t find my statement from last month what should I do?
With our e-Statements members can receive their statements electronically, usually just a few days after the end of the month. Members access their current or previous e-Statements securely through the internet. You can sign up for e-statements by clicking on the e-statements tab found on the home banking account profile page.
What is the cut-off time for outgoing wires?
Our cut-off time for outgoing wires is until 3:00 PM.
What is the fee for a wire transfer?
There is no fee for incoming wires. The fees for outgoing domestic wires are $30 and for International wires is $ 40.00.
Miscellaneous Services Questions
What is shared branching?
Shared branching is a group of more than 1,200 credit unions nationwide that allow you to access your credit union account at more than 5,000 locations in 46 states.
Can I use another financial institution to access my Greater Alliance Credit Union account?
You can access your account through the Shared Branching network. You will need to know your full member ID number and also have a valid picture ID. (Driver’s License, State ID, Military ID or Passport)
Where can I find a list of your ATM and Shared Branching locations?
We do not have a list but please use the ATM and Branch locator App available on our website. Simply put in the Zip code or City and State and it will get you to all the Greater Alliance branches and ATMs, COOP Surcharge Free ATMs and Shared Branching locations around the Zip Code you are looking for.
Does Greater Alliance Credit Union exchange or accept foreign currency?
No, Greater Alliance is unable to accept any foreign currency.
Does Greater Alliance offer safe deposit boxes?
Yes, at our Hackensack and Paramus branches. We have several different sizes of safe deposit boxes to meet your needs.
Can I get travelers’ checks, teller checks’ or money orders at Greater Alliance?
The fee is five dollars per teller check drawn to 3rd party. Money orders and Visa Gift cards are available at a nominal fee.
Do you have the service of a Notary Public available in any of your branches?
Yes, we offer notary service free to our members. We employ at least one notary in every branch.
Checking Account Questions
What types of personal checking accounts does Greater Alliance Credit Union offer?
We offer Easy Checking, Fresh Start and The Edge Checking Accounts for our members. Please click here to learn more.
How can I order checks?
You can call Greater Alliance Credit Union’s service center and we will order them over the phone for you. You can also stop in to any one of our branches.
Why was I charged a fee for a transfer I didn’t make?
Greater Alliance Credit Union offers to all its members’ automatic overdraft protection from the savings account to prevent bounced checks. GAFCU charges a nominal fee for this transfer and the number of allowable transfers is governed by Regulation D limits.
What is the minimum deposit required to open a checking account?
There is an initial deposit requirement of $50 for Easy and Fresh Start Checking. There is an initial deposit requirement of $5 to open the Edge Checking. Please click here to learn more.
How can I tell which set of numbers on the bottom of my check is my checking account number?
The nine digit number 221275876 is our routing and transit number (ABA Number). The ten digit number at the bottom of the checks is your Micro Number (checking account number) it should start with 00.
Certificates and Money Market Questions
When I call the Credit Union and ask for a rate of a Certificate why do they give me two rates?
There is an APY (Annual Percentage Yield) and a DR (Dividend Rate). The dividend rate is the rate on your certificate. The annual percentage yield is the amount that you earn over the life of the certificate if you don’t withdraw your monthly dividends.
I want the best rate for my money, but don’t want a certificate. What should I do?
Greater Alliance Credit Union has several Checking accounts with great rates! If you want the best rates you don’t need to go anywhere else!
How is the penalty calculated for closing out a certificate early?
If share certificate funds other than dividends are withdrawn prior to maturity, A SUBSTANTIAL PENALTY IS IMPOSED as follows: The penalty is a forfeiture of dividends earned. The amount upon which dividends are forfeited is the principal amount withdrawn unless the amount withdrawn reduces the balance below the minimum balance required for the share certificate. In the event, the amount upon which dividends are forfeited is the entire principal amount of the share certificate, the penalty is as follows:
- If the term of your share certificate is one year or less, you will forfeit an amount equal to 90 DAYS OF DIVIDENDS, WHETHER OR NOT THEY HAVE BEEN EARNED. THIS COULD CAUSE YOUR PRINCIPAL INVESTMENT TO BE REDUCED TO LESS THAN THE ORIGINAL AMOUNT DEPOSITED
- If the term of your share certificate is greater than one year , you will forfeit an amount equal to 180 DAYS OF DIVIDENDS, WHETHER OR NOT THEY HAVE BEEN EARNED. THIS COULD CAUSE YOUR PRINCIPAL INVESTMENT TO BE REDUCED TO LESS THAN THE ORIGINAL AMOUNT DEPOSITED.
- The penalty does not apply to any of the following early withdrawals: withdrawal subsequent to the death of any owner; withdrawal after the close of the dividend period in which the owner’s credit union membership was terminated; if the account is part of a qualified individual retirement plan, withdrawal to effect distribution of funds upon the participant’s disability or attainment of not less than 59 ½ years of age; and withdrawal as a result of liquidation of the Credit Union.
What is the minimum balance I need to open/keep in my Certificate?
The minimum balance to open a Share Certificate is only $ 500.00.
Telephone Banking Questions
How do I begin using Telephone Banking for the first time?
Call Greater Alliance at 888-554-2328
- Press 1to access the menu in English.
- Press 2to access the menu in Spanish.
- After you choose Option 1 or 2 – Press 7 to access Telephone Banking
When accessing Telephone Banking for the first time on April 3, 2017 you will be asked to setup your PIN. Please have the following information handy to setup your PIN.
- Member number
- The last 4 digits of your Social Security
- Date of Birth – MMDDYYYY
- Once you have entered the above information – you will be asked to select your 4 digit PIN3.If I am a Joint Owner can I use Telephone Banking?
If you are a Joint Owner you can access your accounts. Setup the account, using your Member Number, use the last 4 digits of your social and include your DOB to set you PIN so you can view the accounts that you are joint on.How can I view my account history that occurred prior to the system upgrade?All your account history will be automatically transferred with our new system, it will be a seamless process
Can I change my access code or pin?
Yes, you can change your access code, to change your access code, Press 1 for Account Info. Press 3 to Change Access Code.
How long does it take for a transaction to occur via telephone banking?
All transactions are carried out immediately.
How do I have a check sent to me?
Press 1 for Account Info, then Press 1 for Transactions and Press 2 to Withdraw by check.
What is the phone number for Telephone Banking?
We don’t have a separate number for Telephone Banking. You will need to call our 888-554-2328 – Press 1 to continue in English and then Press 7 to connect to Telephone Banking.
When can I use Telephone Banking?
Telephone Banking is available 24/7
Is Telephone Banking secure?
YES. By requiring all members to enter a personal identification number Telephone Banking provides a safe and secure environment for conducting transactions.
Is there a reference guide I can refer to when using Telephone Banking?
YES. Please click here to access the guide. Please click here.
How many transfers can I make each month through Telephone Banking?
You may make as many transactions as you like.
Can I make transfer to a Joint account?
YES. You can make a transfer to a joint account, you will need to know the account ID # that you are making the transfer to. The account ID# is different from the account or member #. Account ID# is a 4 digit code that is associated with the different accounts associated with the Joint account member.
What is a down payment?
Virtually all home buyers rely on a mortgage loan to finance a home. Few mortgage loan programs will enable you to finance the full purchase price of a home. Instead, you will have to contribute a portion of the cost from your own funds (called down payment).
What are points?
Points are finance charges paid to the lender as part of the closing costs. Each point equals 1% of your total mortgage loan. Points can be negotiable and are sometimes tied to your interest rate. Paying more points to get a lower interest rate may be a good idea if you plan to take a long-term loan.
What is PMI?
Private Mortgage Insurance – Insurance the buyer carries to guarantee that the lender is paid off if the buyer defaults on a mortgage. It’s required for all mortgages with less than a 20% down payment. The exact amount depends on the amount of the loan and the size of the down payment.
What is an appraisal?
An evaluation of the property’s value. The appraiser visits the house and reviews recent selling prices of similar homes within the area. You will probably pay an appraisal fee at closing or before.
What is prepayment?
Making early or extra payments towards the principal (amount borrowed). Prepayment can shorten the length of your mortgage and thus lower your total interest paid over the life of the loan.
What is a homeowner’s warranty?
This warranty covers any repair to the structure, mechanical systems, and major appliances of the house for a certain time. This warranty is useful when purchasing an older home.
What is an inspection?
An evaluation of the property to find out if there are any problems with it that could change its value. The inspection also helps you decide if there are any items that you want the seller to repair before the final contract is signed. The inspector prepares a detailed report indicating any problems found, after inspecting the entire home.