News Release


Recent News

GAFCU Partners with Allpoint to Extend ATM Network

Greater Alliance Federal Credit Union Partners with Allpoint to Extend ATM Network 
Paramus, NJ – Greater Alliance Federal Credit Union now offers its members access to 55,000 surcharge-free ATMs as part of a new partnership with Allpoint, the world’s largest surcharge-free ATM network.

Allpoint Network ATMs are conveniently place in premier retailer locations, within Greater Alliance’s footprint as well as nationwide and beyond.  Complementing and expanding upon the credit union’s existing fleet of ATMs, the Allpoint surcharge-free ATM network makes cash access quick, easy and fee-free for Greater Alliance members.

In today’s digitally evolving marketplace, we strive to deliver convenient banking solutions that serve our members where and when they demand,” said Glenn Guinto, Chief Executive Officer, Greater Alliance Federal Credit Union. “The Board of Directors and staff are working every day to bring our members the best banking experience possible. Now we can offer that experience to them worldwide.

How to find Allpoint Network 
Allpoint Network, the world’s largest surcharge-free ATM network, offers members and eligible cardholders access to 55,000 ATMs across the United States, Canada, and Mexico, as well as the United Kingdom and Australia.

Greater Alliance Members can always find the nearest participating surcharge-free ATMs using the ATM locator online or by downloading the free GAFCU mobile app. And once at the store hosting an Allpoint ATM, look for the green Allpoint logo. Visit for more information.

 About Allpoint 
Allpoint Network is the largest surcharge-free ATM network with more than 55,000 ATMs in leading national and regional merchant locations across the United States, Canada, Mexico, United Kingdom and Australia.  Allpoint provides greater access, convenience and savings to customers of financial institutions while providing institutions the tools to compete more effectively for customers. For more information or to find the nearest Allpoint surcharge-free ATM, please visit, like us on Facebook and follow @Allpoint on Twitter. Allpoint Network is a wholly owned subsidiary of Cardtronics plc (Nasdaq: CATM).

About Greater Alliance Federal Credit Union 
Greater Alliance Federal Credit Union is a not-for-profit financial cooperative, existing solely to serve its members in Bergen and Passaic counties within New Jersey. As a financial cooperative, Greater Alliance offers the best-in-market rates, world-class service, and a full menu of personal and commercial financial services.  Greater Alliance maintains three branches in Paramus, Hackensack and Paterson with more than 5,000 shared branch locations and 75,000 surcharge-free ATMs throughout the country. For more information regarding Greater Alliance Federal Credit Union, visit or call 888-554-2328.


As a means of demonstrating the “People Helping People” spirit of credit unions, we are pleased to host our annual food drive to benefit the following food pantries:

During the entire month of November and December, we will collect food and other basic necessities to help those less fortunate. Please donate your non-perishable food items during this holiday season.

Drop off your food items at any one of our branch locations NOW through December 31, 2017.


  • Cereal/Breakfast Items
  • Stuffing & Dry Potatoes
  • Peanut Butter & Jelly
  • Tuna
  • Canned & Dry Pasta
  • Rice, Quinoa and Other Healthy Grains
  • Canned Meats, Fruits & Vegetables
  • Canned & Dry Stews
  • Salt, Sugar & Spices
  • Soup
  • Diapers
  • Laundry Detergent
  • Personal Care Items (feminine products, soap, toothpaste, shampoo, etc.)



President’s Message

Dear Valued Member:

Here’s hoping that you and your family had a wonderful and memorable summer! We had a busy and exciting time during the first half of 2017. Preoccupied with the various enhancements that we have been working on since 2016, time definitely just flew by. I hope by this time, you are already experiencing some (if not all) of our new and improved products and services.

There’s more to come as we continue to deliver new enhancements and exciting new products and services as we remain true to our mission, vision and core values.  Speaking of which, those same mission, vision and core values are what kept us motivated for the past 80 years and will no doubt keep us fueled for the
next 80. Many of our seasoned members can attest to the level of care and attention we provide, not only to them, but to the generations before and
after them.

Being around for so many years, it is very humbling to have the opportunity to provide our top-notch member experience – now to the next generation of credit union members, who may have found us through their parents, or even their grandparents. It is very rewarding to be able to deliver our mission, vision and core values at every stage in life that requires financial assistance.

For our newer members, this is what credit union membership is all about. This is how we are different from your typical commercial banks where you’re
just an account number. We sincerely hope that over time, we can earn your trust and confidence just like the rest of our seasoned, long-tenured members.

I’d like to invite you to join us from October 16th -20th in our lobbies and visit our Facebook and Twitter pages as we celebrate our 80th year anniversary. We will be running trivia contest online and lucky winners will be able to win gift cards in the amount of $10 OR $25. At the branches, we will have scratch off prizes where members will have a chance to win $5, $10, $20 cash prizes and also win some great electronic gadgets throughout the week.

So please remember to visit us online or stop by any one of our branches during the week. Lastly and more importantly, on behalf of our Board of Directors and the entire Greater Alliance team, our sincere THANKS to you, for being a member.


Glenn Guinto
President and CEO

80th Year Celebrations

Come Celebrate our 80th Anniversary and International Credit Union Week October 16th – 20th, 2017

Stop by any one of our branches all week long for light refreshments and giveaways:

  • Munchkin Day – Monday
  • Cookie Day – Tuesday
  • Donut Day – Wednesday
  • Chocolate Bar Day – Thursday
  • Candied Apples & Cider Day – Friday

Please join us for fun Scratch-to-Win Games & Prizes each day of the week! Prizes include:

  • $5, $10, $20
  • Kindle Fire HD8
  • Apple TV
  • Apple Watch

We will also have daily Trivia questions on our Facebook and Twitter pages for members to win daily prizes.



*All prizes should be redeemed by October 20, 2017.  Member is allowed only one Scratch Off per day. All the winning scratch offs for $5, $10, $20 should be presented to a Member Service Representative (MSR) and funds will be deposited into the member’s account. For the winners of the Apple Watch, Apple TV and Kindle fire please show the winning ticket to the MSR and the prize will be either mailed to you or can be picked up at the branch within 5 to 10 business days.   Membership required to win the scratch off prizes. Employees are not eligible to win.

Coming Soon – Purchase Rewards

When you use your Greater Alliance Visa® debit card with Online or Mobile App Banking, you will start earning cash back at select retailers. The more you use your card – the more rewards you can receive.

Just use your debit card at participating retailers, and receive offers within Online & Mobile Banking for ‘cash back’ rewards that are deposited directly into your checking account.

Here’s how it works:
• Log in to Online or Mobile Banking to view offers
• Click ‘offers’ to add them to your GAFCU Visa debit card
• Shop with your card to redeem your selected offers
• Enjoy cash back at the end of the next month

There’s no limit to the number of offers you will receive, and no cost to earn your rewards! Watch for more information as we get close to the launch date.

Hurricane Relief Donation

Our Hearts Are With the People Affected by the recent Hurricanes.

In an effort to help the victims affected by the Hurricane we will be collecting donations now through October 13 at all of our branches.

We will match all the donations that we receive up to a $1,000.

All donations we collect from now through October 13, 2017 will be sent to

You can make a difference – Donate Online!


Same Day ACH Payments

On September 15th, Same Day ACH payments will be coming to merchants and billing companies. This means that if you agree to make an electronic payment, funds might be debited to your account as soon as the very same day. Previously, it may have taken a couple of days for payments to post. Starting on September 15th, this may no longer be the case.

When making a payment or paying a bill through ACH, available funds must be in your account. If the funds are not immediately available we recommend you wait until funds are available before making the payment. If funds are not available and funds are debited to your account we may charge a fee, and if you do not have overdraft protection, you will also incur a fee from the merchant or billing company.

You should always have sufficient funds in your account to cover every payment you make, authorize, or initiate, and you should frequently review your account statements and transactions.


What is an ACH payment/debit?
They are electronic debits that are commonly known as Direct Payment, Direct Debit, ACH Debit, Electronic Check or e-check, and similar terms.

What’s changing?
Currently credit transactions are posted multiple times per day while debit transactions are posted to accounts only once per day. As of September 15, 2017, debit transactions will also be processed multiple times per day.

How does this affect me?

Previously, you may have seen debits posted to your GAFCU checking/share draft or savings account once per day. Going forward, transactions such as check clearing (only checks to ACH), and bill payments will post multiple times throughout the business day.

What are the benefits of same day ACH debits?

The conversion to ‘same day ACH debits’ will enable you to make easier on-time bill payments as well as faster crediting when you are moving money among transactions that you own at different financial institutions. Similarly, business to business payments will process more quickly – providing faster processing of invoices and payments.

Will my direct deposit be affected?
No. Your direct deposit will continue to be credited to your account on the correct posting date.

 Will this affect me if I use Bill Pay or have a schedule recurring payment?
If a payment is scheduled to be made on a certain day. The electronic payment will be processed and funds may be debited from your account that day. For example, if a bill/automatic payment is scheduled for the 14th of every month, please make sure funds are available before the 14th. If you are using Popmoney or Bank-to-Bank transfers please make sure to have funds available in your account to make such transfers.

What can I do to prevent my account from being overdrawn?
We offer overdraft lines of credit. For more information please contact our Service Support Department at 888-554-2328 x280

Old Debit Card Will be Deactivated on July 31, 2017

Final Reminder to activate your new EMV Debit Card that you received in the mail last month:


After July 31, 2017 your old Debit Card shown below will no longer work:



Important things to note regarding your NEW EMV Debit Card:

  • New EMV Debit Cards were only issued to members who have a Checking account and currently have an old debit card on hand.
  • Your debit card account number will change, along with your card’s expiration date and 3 digit security on the back of your card.
  • When activating your new EMV Debit Card please remember to listen to all the prompts and choose the option to “select/change your PIN.”  (YOU MUST COMPLETE THIS STEP TO FULLY ACTIVATE YOUR CARD)
  • You may keep your existing PIN however you MUST re-enter the PIN again when you first activate your new EMV card.
  • Please remember to update all of your accounts where you have setup automatic payments using your debit card account number, e.g., Netflix, Paypal, Gym Membership etc.

For security reasons, please destroy the old card once your new EMV debit card has been activated.  If you do not activate your new EMV debit card by July 31, 2017 your current debit card will be deactivated and will no longer work.

If you have any questions or concerns, please do not hesitate to contact us at 888-554-2328 x280 or email us at gro.ecnaillaretaergnull@ofni.

Hackensack Branch Lobby ATM NOT Available After Hours

Please note that access to our Hackensack Lobby ATM will NOT be available after hours until further notice.  We are working to resolve this issue, in the mean time please visit our Paramus branch to access the ATMs or use the ATM locator on our website or on your Mobile app to find Surcharge Free ATMs and Deposit taking ATMs located near you.

We apologize for the inconvenience.  If you need more information please contact 888-554-2328 x280.

July President’s Message

Dear Valued Member:

What a busy year 2016 has been for Greater Alliance. At last year’s annual meeting, some of the members in attendance were given a preview of the
things to come through various presentations and discussions.

I’m delighted to share with you that all the system enhancements we planned to put in place, were completed as of April 3rd. All the hard work from our dedicated and enthusiastic staff was well worth it as we reopened our doors to a new chapter in products and services delivery.

Under the direction of the Board of Directors and Management, your credit union is now in a better position at supporting the very diverse banking requirements today’s members need and deserve. Never have our remote delivery channels been so completely integrated, interactive and user friendly.

Our staff now has access to the best systems available in order to provide the best possible experience at every member service touch point. Whether you decide to visit us at our branches, visit us online, access us through our mobile banking,
telephone banking or simply interact with us via our social media channels, we want to provide you that same level of great member experience that you’ve come to expect.

As we celebrate our milestone 80th year anniversary, I can’t help but look back at how your credit union has endured the test of time, under various economic conditions, ever-increasing regulatory challenges, and the constant evolution of providing services to our members. Chapter after chapter, the answer is simple – we remain true to the same “people helping people” philosophy that our founders established in 1937.

For the past 80 years, we have always put our members’ needs first. Welcome to our new chapter.

Summer Fun Events

Come meet us for a chance to win $150!  We will be participating in your community this summer, stop by our table to learn more about what’s happening at the Credit Union.

$150 Raffle: Enter our raffle to win $150! Stop by during any one of our events listed below and enter for a chance to win. The more entries you receive the odds of winning will increase as well.  The winning ticket will be picked on Friday August 11, 2017. 

Schedule of events:

  • Friday July 7, 2017 – Hometown Hero’s Night & Live Band
  • CANCELED DUE TO INCLEMENT WEATHER – Friday July 14, 2017 – Dance Party Night, Live Band , Motown, 70’s 80’s 90’s Dance Music
  • Friday July 21, 2017 – Hometown Hero/Celebrity Night, Matthew Whitaker Live
  • Friday July 28, 2017 – Caribbean Night, Live Band
  • Friday August 4, 2017 – Latin Night, Live Band
  • Friday August 11, 2017 – LGBTQ Hackensack “Pride Event” ($150 Raffle will be picked)
  • Friday August 18, 2017 – Dance Party Night, Live Band , Motown, 70’s 80’s 90’s Dance Music

All events will take place at : 102 State Street, (Atlantic Street Park) Hackensack, NJ 07601 (Off Main Street, and Atlantic Street. Behind the new Hackensack Performing Arts Center.)

Contact: Ana Suarez at gro.ecnaillaretaergnull@zerausa for more information.

City of Hackensack Traffic Delay

Please note – The city of Hackensack will be starting the two-way traffic conversion of Main and State Streets, starting with State Street, on July 5, 2017. Completion of State Street will take approximately 4 months.  Work will begin on Main Street thereafter and is expected to be completed by August of 2018.  The State Street conversion will occur north to south beginning at Passaic Street and ending at Essex Street.

During construction:  Use caution. Obey all posted signs. Expect delays.  Use alternate routes as may be necessary.

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