Question #1
What equipment and software do I need to access the Home Banking product?
Answer:
You will need an Internet Service Provider (ISP), a modem (the faster the
better, but at least 28,800 baud is recommended), and Browser software which supports Secure Sockets Layer (SSL) encryption. For
best results, we recommend Microsoft Internet Explorer 5.5, and Netscape Navigator 4.7 or higher. In all cases it is important that
you
use the most recent software release.
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Question #2
Is the Internet safe and secure for online banking?
Answer:
Yes. We use 128-bit encryption: Secure Socket Layer 3.0 (SSL) for all
communications. This is currently the highest level of security available for Internet transactions.
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Question #3
Can anyone else access my account information?
Answer:
No. Your online account information is available
through access methods that have been rigorously
tested for security accessibility. Only you can access
your account by using your Sign-On ID and Pass Code.
You can help safeguard your information by protecting your Sign-On ID and Pass Code.
Your Sign-On ID and Pass Code is the only way to get access into your account. Please
take caution to keep this information secure and to Signoff after each use.
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Question #4
What if Home Banking goes down? Will my payments be
made; will my transfers go through?
Answer:
If Home Banking and all of our back up systems were to go down, you can be
confident that any transaction for which you had already processed prior to
the system going down, will go through. If you were in the middle of a transaction and there is some question as to whether the
system has received
your transaction, you may feel free to contact the
credit union to ensure your transaction request has been accepted.
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Question #5
What types of accounts are included in Home Banking?
Answer:
You can access the following types of accounts:
- Checking
- Savings
- Loans
- VISA Credit Cards
- Share Certificates
- IRA
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Question #6
Can I have more than one checking account linked to Home Banking?
Answer:
Yes. You can link all of your checking
accounts to Home Banking.
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Question #7
How current is this information?
Answer:
All transactions and balance updates are performed once each business
day. Therefore, any transactions you
complete today that will affect your balance (i.e.
deposits, ATM withdrawals, etc.), will appear in
your balance on our next business day. Certain ATM
transactions may take longer periods to clear, and will not be deducted from
your account balance until the
transactions have cleared.
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Question #8
What is the cost of Internet Home Banking and Bill
Payment?
Answer:
We offer both of these services for FREE.
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Question #9
Is Home Banking compatible with Quicken?
Answer:
Absolutely. Home Banking was designed to be highly compatible with
this popular software. We have achieved this compatibility by building an industry-standard Quicken Interchange Format (QIF)
downloading capability right into Home Banking. You can access the downloading capability from the Reports screen.
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Question #10
I can view other areas of Home Banking but I can't get into Home
Banking. What's wrong?
Answer:
If you are able to view other areas of our web site, but are unable to
access Garden Savings Federal Credit Union Home Banking, it may indicate that you are having a problem accessing secured sites in
general. Both your browser and Internet Service Provider must support secured sites. Refer to the requirements for using Home
Banking.
Using other browsers may prevent access to Home Banking. Another
reason that you may not be able to access Home Banking is that your cookies may not be enabled. In order to
enter the secure encrypted site you must accept the cookies. To
enable cookies for Internet Explorer 5.5 or higher:
- Click on start
- Click on setting
- Select control panel
- Click on "Internet Options" icon
- Click on the tab marked "security"
- Click on "custom" level
- Scroll down to cookies and click the radio button to enable to Enable cookies for Netscape Navigator 4.7 or higher:
- Open Netscape
- From edit menu, select "preferences"
- Click on "advanced"
- Under cookies select "Accept all Cookies"
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Question #11
What number do I call if I have lost my VISA CheckLink Debit Card or ATM
Card?
Answer:
Report lost or stolen cards immediately by calling 1-800-523-4175.
This number is located on the back of your card.
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Question #12
What do I do if I forget my PIN number?
Answer:
If you forget your PIN, you can request a PIN reminder that will be mailed
to you.
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Question #13
Will I be charged an ATM fee when I use my Garden Savings Visa Checklink
Debit card at a foreign ATM?
Answer:
Garden Savings FCU will not charge you a fee. The owner of the ATM may
charge a fee ranging from $1.00 to $2.50. Most of our members avoid these ATM's altogether. Your local supermarket, most CVS stores,
KMart, Walmart, and other retail stores will give you cash back when you make a purchase with your Visa CheckLink Debit Card. You
must tell the cashier that you want it put through as a debit purchase in order to get cash back. Also keep in mind that when you
need to pay for something, your GSFCU Visa CheckLink Debit card is accepted where ever Visa is accepted.
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Question #14
What is the Credit Union’s routing or ABA Transit number? (electronic
transactions only)
Answer:
221278954 (for wire transfers please refer to incoming wire instructions)
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Question #15
Are the funds that I have on deposit in my Garden Savings FCU account
insured?
Answer:
Credit Union funds are insured by our regulatory and insuring governing agency, The
National Credit Union Administration (NCUA). The basic insured amount per member is $100,000. Accounts maintained in different
rights or capacities are each separately insured to $100,000. Thus a member may hold or have an interest in more than one type of an
insured account for an insured total in excess of $100,000. For further details, call the Garden Savings FCU at (888) 554-9328.
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Question #16
Can other members of my family join the Credit Union?
Answer:
Yes, we encourage your entire family to join. Anyone who is related to you
by blood marriage or adoption, or anyone who lives in the same household as you can join as a member.
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Question #17
If I leave my sponsoring company, will I still be a member of the credit
union?
Answer:
Once a member, always a member: Once you join you
may remain a member for life, even if you change jobs, relocate, or retire.
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Question #18:
I’ve lost my Visa Credit Card. Who should I notify?
Answer:
You should report this at 1-800-237-6211, a line that is covered 24 hours a day, 7
days a week. This number is also located on the back of your card.
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Question #19:
Is there a penalty for pre-paying my loan at GSFCU?
Answer:
No, there is no prepayment penalty on any loan product at your Credit Union.
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Question #20:
What is your holiday schedule?
Answer:
Garden Savings FCU is closed for the following holidays:
- New Year’s Day
- Martin Luther King Jr. Day
- Presidents’ Day
- Good Friday
- Memorial Day
- Independence Day
- Labor Day
- Columbus Day
- Veteran's Day
- Thanksgiving Day and the day after
- Christmas Day
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Question #21:
How do I register for Bill Payment?
Answer:
Registering for Bill Payment is straightforward: The first time you access Bill
Payment, you will be prompted to accept Garden Savings FCU disclosure statement (terms and conditions).
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Question #22:
When can I start using Bill Payment?
Answer:
Within two to three business days the applicant receives an activation e-mail, that
they can access Bill Payment.
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Question #23:
Who handles customer support for Bill Payment?
Answer:
Metavante is the bill pay provider and may be contacted by telephone 24 hours a day, seven days a
week at 1-888-276-1081
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Question #24:
What if my account information is incorrect?
Answer:
To change your address and phone number, you may contact Garden Savings Federal Credit Union
directly. To update your email you may log into your Online Banking and click on the options tool to update your email. To update
you address and phone number please click on Other Services then Address Change.
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