FAQs

To maintain the privacy of the insured, information can only be provided if the primary insured is present to give consent.

The Plan Administrator is Franklin Madison Group LLC the nation’s largest provider of direct response insurance programs

Once the Plan Administrator receives the appropriate information and documentation, claims are processed within 5 days and then forwarded to the underwriter for benefit determination.

Call toll-free 1-877-309-6576 weekdays, 7:00 a.m. to 5:00 p.m. CST.

1) Share account holders: the premiums will be automatically debited from your account quarterly. These transactions will be reflected on your statement.

2) Share draft account holders: the premiums will be automatically debited from your account quarterly. These transactions will be reflected on your statement.

You have a no-risk, 30-day guarantee so if you choose not to keep your insurance, just call toll free 1-877-309-6576 to cancel.

Processing and issuance of the Insurance Coverage Document takes about 30 days.

This is paid travel on common or public forms of transportation such as: commercial airlines, trains, buses, cabs, ferries, etc.

Please see your Insurance Coverage Document for “Effective Date.”

No. However, coverage reduces by 50% at age 70 and older.

You automatically receive five added benefits that are included with your insurance.

(1) Common Carrier Accidental Death: Provides payment for common carrier accidents.

(2) Education Expense Benefit: Provides payment of a benefit to each dependent child enrolled as a full-time student in an institution of higher learning.

(3) Anti-Inflation: Provides protection of your Principal Sum value against inflation.

(4)Dependent Child Care: Provides reimbursement of incurred child-care expenses if the insured dies from a covered accident.

(5) Accidental Hospital Indemnity: Provides payment for each day the insured is hospitalized. Accidental Hospital Indemnity is not available in NY and WA. In NY, the fifth benefit is: Total and Permanent Accidental Disability.In WA, the fifth benefit is: Adaptive Home and Vehicle

No. You are guaranteed acceptance

AD&D insurance has coverage levels to fit your budget, from $10,000 to $300,000. Spouses and unmarried children age 19 and under (under age 25 if full-time students) may be insured under the family plan. If the family plan is selected, spouses are insured for 50%, dependent children are each insured for 20%. Households without dependent children: spouse coverage is 60%.

Yes. You’re covered 24 hours a day, worldwide.

No. The coverage is our gift to you as long as you have an account with us.

No. You must complete and return the enrollment form.

Simply use our ATM locator to find COOP ATMs. All ATMs listed within the ATM locator are our official free ATMs.

CO-OP is a total of, nearly 30,000 ATM locations, more than 5,600 shared branch locations nationwide.

The ATM date used in the Allpoint locator is update every two weeks to reflect any changes to our network locations.

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.

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.

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.

Yes. All ATMs listed on our ATM locator are surcharge-free, even if the Allpoint logo is not on the ATM.

If you require a surcharge refund, please contact your card provider.

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).

Allpoint’s 85,000 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.

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

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.

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.

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.

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).

There is no cost to use our Bill Pay service except when using Expedited Electronic or Overnight Check payment service.

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)

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)

YES. You can cancel or change bill pay prior to the scheduled date.

The funds are deducted on the “Deliver Date.” This will be the date that the payment will need to arrive at the payee.

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.

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)

You can begin bill payment is immediately after registration is complete.

No, only checking accounts can be used for bill payment purposes.

When you update the information for the bill payment account, the changes are implemented virtually instantaneously.

Yes. You can schedule monthly, weekly and daily recurring payments.

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.

YES. You can pay any credit card, store card or utility bill using Bill Pay.

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.

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.

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.

The minimum balance to open a Share Certificate is only $ 500.00.

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.
• We reserve the right to charge early withdrawal penalties except for required minimum distributions for IRAs.
  

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!

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.

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.

There is an initial deposit requirement of $5,000 for Premier Checking, $50 for Easy and Fresh Start Checking and there is an initial deposit requirement of $5 to open the Edge Checking.

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.

You can reorder checks by logging into Digital Banking and then clicking on ‘Additional Services’ and select ‘Check Reorder Service’.  If you are ordering checks for the very first time then please call Greater Alliance Credit Union’s Service Support at 888-554-2328 and we will order them over the phone for you. You can also stop in to any one of our branches.

We offer Premier, Easy, Fresh Start and The Edge Checking accounts for our members.

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.

iPad
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

Please contact Service Support Department at 888-554-2328 x280.

Yes. Apple Pay can store up to eight (8) eligible Credit and Debit cards.

Yes. You can add multiple cards to Apple or Google Pay on multiple eligible devices.

Yes, Apple Pay works with chip-enabled personal Check or Credit cards.

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.

Any returns are processed as they are today. However, individual merchants’ return policies may vary.

Transactions made through Mobile Wallets will appear as check and credit card transactions as they currently do on your statements today.

If you replace your device, you will need to add your card(s) again to Passbook as a new Apple Pay setup.

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.

To become a member of Greater Alliance Credit Union, you need to open a share “savings” account with a minimum deposit of $100.00. Once you are a member you are eligible for all of the Credit Unions services, from savings products to our loan products.

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.

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.

Greater Alliance is a forward-thinking and growing credit union built upon more than 80 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 and is fully committed to the financial well-being of the families, businesses and communities where we serve.

“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.

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.

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.

The number that the alert will be sent from is 72488.

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.

YES. The minimum dollar amount required to setup an alert is $1.00

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.

Yes, you will need to create 2 distinct registrations one for each destination.

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.

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.

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.

Text messages are unique in that they can only hold 160 characters. Some commands require multiple messages to return all of the necessary information.

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.

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.

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.

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.

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.

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.

• Click ‘Register or Return’
• Enter the requested information
• Select any alerts you would like to receive
• Click submit

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.

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.

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.

Yes, a copy of the approval/denial paperwork will be sent to you.

No, within the data we collect from your Credit Union, we will be able to determine the other loans you have also
have protection and file claims for them as well.

If your don‘t have access to the on-line claims portal, no problem, you can simply call us at (1-800-621-
6323), to work directly with a Claims Specialist at CUNA Mutual Group.

Yes, in some instances, we may need additional information from your credit union regarding the member’s loan(s) or
their protection enrollment documents that are stored at the credit union. We will reach out through email or phone to
your CU claims team for that information.

Information collected in the online claim submission is limited to basic information about the member and their life
event (e.g. loss of life, disability, etc.…). This is information the member will very likely know without doing any research.

Simply put, instead of credit union employees filing claims with CUNA Mutual Group using the credit union facing
Claims Online system, or faxing paper claim forms, you will instead be submitting their initial claim information via a
secure website in order to initiate the claims process for CUNA Mutual Group’s Credit Insurance and Debt Protection
programs. Many members prefer this claims submission experience

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 Digital Banking your account will be purged from the system.

Check withdrawal is not allowed through Digital Banking but you can put a stop payment on a check through Digital Banking. You may call 888-554-2328 x280 or stop by a branch to make a request for check withdrawal.

YES. You will be able to open subaccounts through Digital Banking and our Mobile app and also apply for a loan.

When you perform a transaction on Digital Banking, posting will occur immediately.

Absolutely not. Information on Digital 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)

At Greater Alliance Credit Union your account information is very secure. We use the latest technology to protect our member’s privacy.

YES. Members can customize alerts and you can also receive alerts via email or text.

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”.

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.

You can access your checking, savings, and loan accounts from Digital banking service. Our Digital Banking Product is intended to give you as much access, security, and versatility as possible.

You can view account balances and transaction history, transfer money, view cleared check images and much more.

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 Digital Banking platform.

Digital 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.

1. Limited Liability Company (LLC)

Required Documents

• IRS Letter
• Business Operating Agreement
• Certification of Formation
• Business Registration
• All signers on the business account need to have/open an individual membership.

2. Sole Proprietor

Required Documents

• Certificate of Trade Name
• Business License
• All signers on the business account need to have/open an individual membership.

3. Non for Profit (Unincorporated Association)

Required Documents

• IRS Letter
• Minutes of Meeting
• Proof of Non-Profit Status
• Certificate of Formation
• Business Registration

You will need an unexpired Government issued ID which has your current address. If this membership closing is for a deceased member you will need additional items, please indicate that when you schedule an appointment.

You will need an unexpired Government issued ID which has your current address.

You will need an unexpired Government issued ID which has your current address.

You will need an unexpired Government issued ID which has your current address. Receiving bank and beneficiary must have physical or domicile address, no PO Box allowed. Wire out request, you will need the following information: Beneficiary Information (name, Address, account number/IBAN#), Receiving Financial Institution information (Name, Address, ABA/Swift Code/IBAN ) . Note: Wire into your Greater Alliance Account information can be found on our Website. Spelling is critical of names and financial institution. Beneficiary bank may reject or hold up for incorrect information.

You will need an unexpired Government issued ID which has your current address.

You will need an unexpired Government-issued ID which has your current address. Your bank Routing number and the billable Checking Account number or a Debit Card/Credit Card to setup your payment.

You will need an unexpired Government issued ID which has your current address.

You will need to know and be prepared with the following information for your appointment.
Purchase Mortgage – Recent Paystubs, 2 year taxes if you are self-employed, knowledge of how much you have in savings for Down Payment and Closing Costs.
 Mortgage Refinance – Knowledge of property taxes, home insurance, how much is your home worth and income

You will need an unexpired Government issued ID which has your current address.

For a Purchase Auto loan you will need an unexpired Government issued ID which has your current address, Purchase Order, Proof of Insurance, Check or Cash for $100 as a deposit into your Savings account if you are a new member along with proof of income (your 2 most recent paystub). IMPORTANT: Minimum length of employment required is 6 months. Existing members must also have $100 in their Savings account to apply for a loan.

For an Auto Refi  you will need an unexpired Government issued ID which has your current address, Check or Cash for $100 as a deposit into your Savings account if you are a new member along with proof of income (your 2 most recent paystub). IMPORTANT: Minimum length of employment required is 6 months. Existing members must also have $100 in their Savings account to apply for a loan.

You will need an unexpired Government issued ID which has your current address, Check or Cash for $100 for a deposit into your Savings account if you are a new member, $35 application fee if you are applying for the first time or if you doing a refinance then a $50 application fee, proof of income(your 2 most recent paystub). IMPORTANT: Minimum length of employment required is 6 months. Existing members must also have $100 in their Savings account to apply for a loan.

You will need an unexpired Government issued ID which has your current address, Check or Cash for $100 for a deposit into your Savings account if you are a new member along with proof of income (your 2 most recent paystubs). IMPORTANT: Minimum length of employment required is 6 months. Existing members must also have $100 in their Savings account to apply for a loan.

You will need an unexpired Government-issued ID which has your current address, Check or Cash for $100 for a deposit into your Savings account along with proof of income (your 2 most recent paystubs). IMPORTANT: Minimum length of employment required is 6 months

You will need an unexpired Government-issued ID which has your current address, Check or Cash for $100 for a deposit into your Savings account.

There is no fee for incoming wires. The fees for outgoing domestic wires are $30.

Our cut-off time for outgoing wires is until 3:00 PM

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.

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.

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.

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.

Greater Alliance Credit Union has many electronic services. We offer Bill Payer, Direct Deposit, Payroll Deduction, E-Statements, VISA Check Cards, Digital Banking, Overdraft Protection, Teller-Phone, Wire Transfers, and our web site!

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.

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.

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.

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.

No, but the responsibility will be put on them if a data breach occurs.

YES, you can make online purchases the same way you do today.

The card will still have a magnetic strip that can be used if a store hasn’t upgraded their terminal yet.

If you forget your PIN, please call 866-985-2273 and follow the prompts to reset your pin.

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

YES, you can have different email address for Digital Banking and eStatement.

Just visit the Statements tab within Digital 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.

Online statements for eStatement members will remain in Digital Banking for 2 years beginning with the enrollment date, before they are purged. Non-eStatement members will not have access to statements within Digital Banking.

When you enroll in eStatements you will receive all your notices and Tax forms electronically.

No, the eStatement service is absolutely free.

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 Digital Banking account.

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.

Yes, your are able to access your eStatements through your Mobile App.

Simply click on the Statements Tab within Digital Banking and click on “Enroll Today” you will be asked to accept the terms and conditions and update your information within Profile Settings.

NO, eStatments will be in color while printed statements will be in Black and White.

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.

You should send your deposits and all other mail to: 40 W. Century Road, Paramus, NJ 07652

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 can be located by logging into Digital Banking and select your desired Savings or Checking account and click on Account Details to view all the details. You may also call 888-554-2328 for more information.

• 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.

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.

Contact a Member Service Representative immediately by calling 1-888-554-2328 or 201-599-5500 or visit a Greater Alliance Credit Union branch.

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.

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, your account number can be located by logging into Digital Banking and select your desired Savings or Checking account and click on Account Details to view all the details.  You may also call 888-554-2328 for more information.

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).

The amount of equity you currently have in your home will determine the Home Equity Line of Credit (HELOC) limit or Home Equity Loan value. Consult with our Home Equity specialist to determine your estimated credit limit or loan value amount.

Each type of product has specific advantages. For example, the home equity line of credit (HELOC) gives you the flexibility to use the funds on an “as-needed” basis. On the other hand, the home equity loan gives you a one-time draw with a fixed rate that is especially useful for a large initial purchase. Consult with our Home Equity Specialist to find the loan that’s right for your situation.

Everybody has unexpected expenses, cash shortfalls, home repairs or large purchases to make. Instead of cashing in stocks or other investments that may increase in value over time, you can use the equity in your home to open a Home Equity Line of Credit (HELOC) or home equity loan. You’ll get a low interest rate and the flexibility of low monthly payments, too.

To maintain the privacy of the insured, information can only be provided if the primary insured is present to give consent.

The Plan Administrator is Franklin Madison Group LLC.

The claims are processed within five days of the Plan Administrator receiving the appropriate information and documentation in their offices in Franklin, TN. Once processed, the claim is then forwarded to the underwriter for determination of benefits

Call toll free 1-800-252-2148 weekdays, 7:00 a.m. to 5:00 p.m. CST .

If you are a share/share draft account holder, the premiums will automatically be debited from your account monthly/quarterly. This transaction will be reflected on your statement. If you are a credit card account holder the premiums will automatically be charged to your account monthly/quarterly. This transaction will be reflected on your statement.

If you choose not to keep your insurance, simply call toll free 1-877-517-0555, and your insurance will be cancelled.

It takes about 30 days from the time the enrollment form is received to process and issue the Certificate of Insurance.

The effective date is shown on your Certificate of Insurance.

There is no termination age; however, benefits reduce to 50% at age 65, and reduce to 25% at age 75.

No. Your coverage is guaranteed provided you are 18 years of age or older.

No. There are no medical questions or physical exams required to qualify.

You can be covered for $900 per each day of hospitalization; if you are in intensive care, the coverage doubles to $1,800 per day. The emergency room benefit is $450. You may also choose single or family coverage, which protects your spouse and dependent children at a reduced benefit rate. See your Certificate of Insurance for specific amounts.

No. This insurance pays for covered accidents only. Hospitalization due to sickness or disease is not covered.

Yes. You may designate a doctor, hospital, or anyone you choose.

No. The cash is paid directly to you, unless you say otherwise, to spend any way you choose. It’s designed to help defray the cost of hospitalization or the incidentals that result from an unplanned hospital stay.

This insurance supplements your other coverage plans. In the event you are hospitalized because of an accidental injury, HAP pays you cash for each day you are hospitalized.

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.

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.

If you have a VISA debit card you can make a deposit using our ATM’s that accept deposits.

Call our Service Support to stop a payment on a check at 888-554-2328 or login to Digital Banking and click on the navigation tab – Additional Services and select – Stop Payment.

You may email us at info@greateralliance.org to send us general questions.  If you have sensitive information please use or Secure Chat feature by logging into Digital Banking.

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 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.

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.

After 10 days late on a consumer loan, the Credit Union charges $ 25 loan late charge fee.

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.

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.

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.

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.

Yes, we offer notary service free to our members. We employ at least one notary in every branch.

We currently do not offer travelers’ checks or money orders.  We offer Cashiers Check and PrePaid cards that can be used in the US and overseas.

Yes, Our Paramus branch offers safe deposit boxes. We have several different sizes of safe deposit boxes to meet your needs.

No, Greater Alliance is unable to accept any foreign currency.

You may find the complete list on our website by clicking on ATM/Branch Locator or by downloading the Mobile app.  Simply include the zip code, city or state and you will find all the Fee FREE Greater Alliance branches and ATMs around the Zip Code you are looking for.

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)

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.

All the services that you have within Digital 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 transfer and pay
• Push Notifications and Quick balance view setup
• Find the nearest Surcharge-Free ATM or shared branching location
• Remote Deposit Capture and more…

The phone and tablet app design has a consistent look and feel and has most of the features that are available through Digital Banking.

Yes, you can do person-to-person, Member-to-Member and bank-to-bank transfers through the Mobile app.

YES. It will be the same login credentials for Mobile and Digital Banking

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.

After you enroll in Digital Banking, you will then be able to download the Greater Alliance FCU Mobile App 2 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 Digital Banking enrollment.

Yes. What if it is not working? Then the 4-digit security device code can be entered.

Yes, for example: If a husband and wife have the same card number, the card may be loaded on different phones.

If a husband and wife have the same card number, can the card be loaded on different phones? Yes.

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.

For in-store contactless payments you do not need to be connected to the internet.

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.

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.

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.

In-Store Purchase
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.

In-App Purchases
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.

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.

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.

To add your eligible VISA Debit cards to Apple or Google Pay, follow the instructions here for Apple Pay and here for Goole Pay. 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.

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.

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.

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.

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.

Yes. At Greater Alliance, there are no prepayment penalties for paying off your loan faster than your payment schedule. In fact, it’s a great way to save on interest over the long run.

With an adjustable-rate mortgage (ARM), monthly payments can change after a specific amount of time, according to your loan structure. However, Greater Alliance ARMs have a cap to prevent a drastic payment increase. Talk with a Greater Alliance home loan specialist to make sure you understand how your payment can change over time.

The shorter the loan term, the less you will pay in interest over the long run, but the larger the monthly payment will be. Keep in mind that even with a Greater Alliance 30-year Fixed-Rate Mortgage Loan, there are no penalties for paying ahead of your payment schedule, so choosing a 30-year loan but making larger-than-scheduled payments could be a good compromise option.

Fixed-rate loans provide peace-of-mind from knowing your rate is locked in for your entire 15- or 30-year term – your monthly payment won’t change. Adjustable-rate mortgages (ARM) have lower payments in the beginning so you can take care of other necessary expenses, like furniture for your new home.

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.

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.

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.

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.

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.

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.

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).

You can use the voice authentication method for international numbers.

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.

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.

YES, phone numbers are masked throughout all points of the authentication process.

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.

YES, use the same approach as the authentication setup in Digital 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 Digital Banking. You will use this phone number for future login attempts on other devices.

You are able to change your registered phone number(s) within Digital 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

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.

To maintain the privacy of the insured, information can only be provided if the primary insured is present to give consent.

The Plan Administrator is Franklin Madison Group LLC.

The claims are processed within five days of the Plan Administrator receiving the appropriate information and documentation in their offices in Franklin, TN. Once processed, the claim is then forwarded to the underwriter for determination of benefits.

To file a claim, call your Plan Administrator at 1-877-629-6037 weekdays 7:00 a.m. to 5:00 p.m. CST

Share/Share Draft or Credit Card. Premiums will be automatically deducted from your account quarterly /monthly and will be reflected on your statement.

If you choose not to keep your insurance, simply call toll free 1-877-629-6037, and your insurance will be canceled.

It takes about 30 days from the time the enrollment form is received to process and issue the certificate of Insurance.

The policy’s effective date is shown on your Certificate of Insurance.

There is no termination age for you, your spouse or domestic partner; however, benefits reduce by 50% at the age of 65 and by an additional 25% at age 75, regardless of age at enrollment.

No. Your coverage is guaranteed provided you are 18 years of age or older

No. There are no medical questions or physical exams required to qualify for this insurance.

You can be covered for $400 for each day of hospitalization; or $200 for sickness. You may also choose family coverage, which protects your spouse and dependent children at a reduced benefit rate. See your certificate of insurance for specific amounts.

No. This insurance pays you cash while you get well only for each day that your doctor has kept you in the hospital for covered accidents and sicknesses.

The benefit is paid directly to you and you can use it however you like. When you are home from the hospital, you can use it to pay monthly bills, recovery expenses, or anything else you want.

Recuperative Care pays in addition to Hospital Accident Protection. It pays for hospitalization due to a sickness as well as an accident. HAP provides a benefit for hospitalization due to an accident, and Recuperative Care also provides a benefit to help with recuperation.

This insurance supplements your other coverage plans. Your health insurance pays for medical procedures while Recuperative Care pays you a flat benefit amount which can be used for anything you choose.

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.

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.

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.

You can deposit the check to any Share Savings or Share Checking account of your choice.

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.

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.

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.

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.

Deposits can be made to any share savings or share draft checking account to which the member is an owner.

Any Retirement accounts, Share Certificates and loans

Yes you can make multiple deposit one day. Deposit limits will vary depending on your account history and relationship with us. Such information will display for you when a deposit is being made.

Yes there is an aggregate monthly limits.  Deposit limits will vary depending on your account history and relationship with us. Such information will display for you when a deposit is being made.

Deposit limits will vary depending on your account history and relationship with us. Such information will display for you when a deposit is being made.

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.

You must meet the following criteria to use Remote Deposit:

• Be enrolled in Digital 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

Online – By enrolling for Digital 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.

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.

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.

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.

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.

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.

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.

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.

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.

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

If you are a Greater Alliance member and believe you are a victim of fraud or identity theft, immediately contact our Service Support Department at 201-599-5500. Read more about Reporting Identity Theft.

Phishing (pronounced “fishing”) is an electronic scam that attempts to obtain confidential personal or financial information from its target. It takes the form of a fake message, usually an e-mail, which appears to be from a financial institution or service provider. The message usually includes the company name, logo and a link to a website which instructs you to update your account information by providing your Social Security number, bank account number, PIN, password, birth date, etc. with a dire warning if action isn’t taken. A phisher can then use your personal information to commit fraud. Learn more about phishing and how to protect yourself.

A keylogger is a computer program that logs each keystroke a user types on a keyboard and saves this data into a file or transfers it via the Internet to a pre-determined remote host. It also can capture screenshots of the user activity, log-in passwords, record online chat conversations or take different actions in order to find out what a user is doing. Often downloaded inadvertently by users clicking on links in fraudulent e-mails, keyloggers pose the most dangerous threat to user privacy.

Trojan Horse programs (including Remote Access Trojans or RATS) can be hidden in games, videos, music files or programs downloaded from the Internet or e-mail that install a malicious program on the target’s computer. Many anti-virus programs will detect and remove Trojan Horse programs, but must be regularly updated to be effective.

No. Regular e-mail is not secure. Never e-mail personal financial information such as account numbers or your Social Security number. However, you can use the secure message feature within our digital banking product.

The number and sophistication of phishing scams sent out to members is continuing to increase dramatically. As a general rule you should be very careful about giving out your personal information over the Internet.

If your phone is lost or stolen, it is unlikely that someone could access your account information unless they also know your Digital Banking user name and password. However, to be safe, you should contact Greater Alliance FCU as soon as possible by calling 201-599-5500.

If you are concerned that you have received fraudulent e-mail, disclosed confidential information or have questions about online security, immediately contact Service Support Department at 201-599-5500 or e-mail us at info@greateralliance.org

Greater Alliance is committed to providing you with a secure online experience that protects your confidential information, our website and our apps. Read more about Our Online Security Commitment.

No. You have to make 3 consecutive payments before you are eligible to Skip the payment on that particular loan.

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 the list of loans eligible for a Skip. If you are still having difficulties please contact our Service Support Department at 888-554-2328.

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

If you have setup Scheduled Recurring Transfers through Digital Banking you will need to stop the transfers for the Skip to proceed.  If you have any automated Share Transfer, Loan Transfer or ACH origination, the Skip will be automated.

If you use an Digital Banking transfer to make the payment on a loan selected for Skip-A-Pay, please make sure to suspend the Digital Banking payment transfer for the month in which the payment will be skipped.

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.

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.

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

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.

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.