We hope you enjoy our phone system!!! Here are a few virtual guidelines to get you started.
Call either 203-863-4687 or 203-863-3186.
Account Number plus the # sign (123456#)
Pin Number #
The suffix of the account you would like to use.
Access codes:
- 00 - 08 = Savings
- 09 = Money Market
- 10 - 11 = Checking
- 12 = Christmas Club
- 15 = Visa Payment
- 16 = Visa Secured Share
- 17 - 19 = IRA Shares
- 25 = Line of Credit Loans
- 30 - 40 = Regular Loans
- 50 = HELOC Loans
- 60 - 69 = Certificates
Check your statement or call the Credit Union for the suffix you need.
Use the Hour Line for balance inquiries, rate information, transfers, ordering check withdrawals in advance, placing a stop payment on checks, balancing your checking account using the list of the last ten checks that have cleared, and many other services.
These accounts, comparable to passbook savings at other financial institutions are the basic savings accounts at GHAFCU. Share savings accounts earn dividends from the date of deposit to the date of withdrawal on all balances exceeding $500 minimum. Dividends are compounded and paid quarterly. A share savings account may be opened with a minimum of $25. Subsequent deposit may be made in any amount via payroll deduction, direct deposit or over the counter transactions. A minimum balance of $25 is required to retain membership at GHAFCU.
No monthly service charge, no per-check charge and no minimum balance requirement
Standard checks and designer checks are available at a very reasonable cost.
2009 CANCELLED CHECKS AVAILABLE on CD
The Credit Union is now offering a CD with copies of all of your canceled checks for the past year. The CD includes its own search engine and requires no additional software to run. You will have availability to search and view images by date, check number or dollar amount. You can view the front and back of each item and they will print both on a single page. The cost for this CD is $20.00. Please contact us at the office or through our website if you are interested.
Holiday accounts are deposit accounts that help members save specifically for holiday shopping. Members make weekly or bi-weekly deposits of ie. $5, $10, $20 or $25 or more over a 50-week period. You can start you account at any time. You will get out of it whatever you put in! Funds are deposited in your share account at the end of October for easier access.
Build savings for your next vacation or any special purpose with complete access to the funds any time of the year. There is no minimum balance requirement.
U.S. Savings Series EE and Series I Bonds. These bonds earn high interest rates and are an excellent alternative to a cash gift.
- SERIES EE BONDS
These bonds are purchased at 50 percent of face value.
Interest is tax-deferred until the bond is redeemed.
These bonds are redeemable after six months.
These bonds are eligible for education use tax breaks.
- SERIES I BONDS
Are purchased at face value.
Earn a fixed rate of return and their principal will be adjusted to offset the effects of inflation.
Earn interest for 30 years.
Are eligible for education use tax breaks.
For more information on U.S. Savings Bonds, please call the credit union at (203) 863-3186 or visit the U.S. Savings Bonds website at www.savingsbonds.gov.
A Liquid Savings Account with premium dividend rates on a minimum balance of $2,500 .
No monthly fee or penalty (if balance falls below the minimum, the dividend rate drops to the current savings rate).
Additional deposits are allowed and up to six transfers per month (three may be by check).
Designed for investors seeking both yield and liquidity, our share certificate program offer automatic rollover and maturity options of 3 months to 5 years. Minimum deposits from $1000.
The Credit Union offers money orders for a fee of $2.00 each.
Now you and your traveling companion can enjoy the convenience of using the same Cheques/Cards, whether you're together or apart.
- Only one of you needs to be present to purchase the Cheques.
- Both of you sign them and then either of you can use them whenever you want, wherever you go.
Just like all American Express®Travelers Cheques, you can use Cheques for Two like cash virtually anywhere in the U.S. and around the world . . . if they are lost or stolen, you can get a convenient refund by selecting the refund choice that's best for you. Plus, you'll get around-the-clock emergency refund assistance every day with just one phone call.
Save yourself a trip to the Credit Union by using Direct Deposit to automatically deposit your paycheck into a GHA FCU account. Use Direct Deposit to automatically deposit a specified portion of your paycheck into your Credit Union account(s). It's a great way to regularly deposit savings.
If you would rather begin your weekend than battle traffic on your way to the credit union, then you need direct deposit in your life!
With so many responsibilities pulling at your time, Direct Deposit can help you enjoy the time you have, by eliminating the responsibility of personally depositing your checks. Read on as we explain the many benefits of Direct Deposit:
- Time Saving - No more driving to the Credit Union to deposit your check
- Flexible - Route funds to Savings, Checking or Money Market Accounts
- Consistent - Checks are deposited on time and accurately, even if you're out of town
- Safe - Alleviate concerns about losing a check or having it stolen
- Fast and Convenient - Have instant access to your funds, there's no "hold"
- Profitable - Your money earns dividends immediately, if deposited to a Savings or Money Market Account
- Traceable - Your monthly statement will reflect the deposit
Payroll, Government, Income Tax Returns and Retirement Checks are eligible for Direct Deposit. To initiate Direct Deposit of U.S. Treasury Checks (i.e., Social Security, Civil Pension, Disability), contact a customer service representative for a Sign-up Form. For private employer pay, please consult your employer to originate Direct Deposit. The Credit Unions Routing and Transit # is 221174045.
Members can access their accounts around the clock at Cirrus® or NYCE® ACCEL, The Exchange ATM networks. The ATM offers the ability to withdraw, transfer or check balances 24 hours a day. A $1.00 transaction fee will be charged for each withdrawal or inquiry transaction (that is at a non-Credit Union Machine) Transaction at the GHA Credit Union Atm is free of charge. Be aware, however, that non-Credit Union Machines may assess a "surcharge", if you do not use the Allpoint network. If your card is lost or stolen please call 1-800-554-8969.
Now you can access all your accounts through the Internet from anywhere in the world. This secure service offers a wide range of features and it is easy to use. Online Banking allows you to:
- View account history and check your balances
- Transfer money between accounts
- Transfer loan payments online
- Request a Check from your account
- View interest and dividend information on your accounts
- Verify if a check has cleared your account
- Place stop payments on lost checks
- Download your Statement to Quicken or Money (QIF)
- Request a copy of Your statements
- Sign up for Estatement or ENotices
Click on HOME BANKING. Enter your member number (which can be found on your monthly or quarterly statement) and a PIN number. If you do not have a PIN number please email us through the website and we will get you started.
For our members who would like to be able to move money between their spouse's or children's accounts please contact our office for special details.
e-Pay is an electronic bill payer application that allows members to access, view, and pay their monthly bills over the Internet from anywhere at anytime the monthly cost is $5.65.
With e-Pay, members can visit our Web site, click on a specially designed link and enroll to pay their bills online. With this service, members can perform functions such as entering and maintaining payees, scheduling payments, and examining and downloading payment history data.
Electronic Bill Payment simplifies bill paying and saves time. With this system, there are no more trips to the mailbox, checks to sign, stamps to buy, or envelopes to lick. Members can pay their bills (electric, telephone, credit card, insurance, etc.) online 24 hours a day, seven days a week.
Once a member has signed up for Electronic Bill Payment, he or she can schedule payments to be made directly from his or her checking account. These payments can be made promptly or members can schedule them to be made automatically on a specific day each month.
A brief overview:
Once you have decided to use this convenient service, you must thoroughly complete the set up process. It is very important that you enter your checking account number correctly when using our e-Pay system. To ensure no mistakes are made, please be sure to have your checkbook in front of you.
Listed below are sample checking numbers as they appear at the bottom of all NSFCU checks:
|:221174045|: 00001234510 || 1000
Our routing and tracking number is 9 digits between the "|: |:" symbols Your checking account number is to the left of the "||" symbol. Please do not include the zeros. This is the check number. It should match the number in the upper right corner.
We offer members two types of IRAs:
- A Traditional IRA is a tax-deferred personal retirement account. Your contribution each year may be tax deductible depending on how much money you earn, your maritial status and whether you contribute to a 401(k) plan at work.
- With a Roth IRA, your contribution is not tax-deductible, but when you retire and begin making withdrawals, you may do so tax-free.
Master Check Cards allow you to withdraw funds from you checking account without ever having to write a check. You can use your Master Check Card anywhere you see the Master Card Logo. You can purchase groceries, gas or anything else and the money will come directly out of your checking account. No more writing checks and showing two forms of identification. Best of all, there is no charge for using the Master Check Card or no annual fee.
You also have access to over 32,000 atms accross the 50 states surcharge fee. Go to Allpointnetwork.com for locations.
Our Master Check Card is also an ATM Card. It can be used worldwide. Money can be withdrawn from your checking account or your savings account.
With our Master Check Card you will earn 1 point with each $2.00 credit transaction you make. Sign up today.
https://www.uchooserewards.com
Click here to view the card choices.
If your card has been lost or stolen please call - 800-554-8969. |
