We are keeping a close eye on the "Heartbleed" bug you may have heard about. The vendor we use for Online Banking has completed a preliminary assessment and has not discovered any vulnerability. We will be sure to keep you updated should anything to the contrary be discovered. Rest assured that we are doing everything we can to help ensure that your information is safe.

It is always a good practice to use unique passwords for all of the online services you access. If your GCF Online Banking password has also been used with a different service, we do recommend that you change your Online Banking password at this time.

If you currently utilize GCF’s online banking EXPRESS TRANSFER function to make your loan payments, this service will be temporarily unavailable from April 25, 2014 through June 9, 2014. As an alternative to this temporary inconvenience, you can do one of the following:

  • Contact 1-877-589-6600 ext. 320 or 368 between the hours of 9:00 a.m. and 5:00 p.m., Monday through Friday, to manually complete the transaction.
  • Mail a check to Investors Bank, 101 Wood Avenue South, Iselin, NJ 08830.
  • Sign up for GCF’s online bill payment system and set up a monthly payment to be sent to Investors Bank.

Fast Access

GCF Bank is now part of the Investors Bank family!

Tuesday, January 15, 2013

Edition #695

Today's Highlights:

Past issues of GCFlash:

January 8, 2013 Edition #694

December 18, 2012 Edition #693

December 11, 2012 Edition #692

December 4, 2012 Edition #691

Weekly Spotlight:

Run across a fraud or malware term and not sure what it is? Look it up in our Security Glossary!

Our Current Rates:

For a listing of our current deposit and loan rates, click here.

Today's National Market Rates
January 15, 2013 6 Mo Ago
1 Yr Ago
5 Yrs Ago
Dow Jones Industrial Average
(Up 147.53 or 1.10% since 12/31/12)
13,534.89 (+0.20%) 12,727.21 12,422.06 12,501.11
S&P 500
(Up 46.15 or 3.24% since 12/31/12)
1,472.34 (+0.11%) 1,353.64 1,289.09 1,380.95
(Up 91.27 or 3.02% since 12/31/12)
3,110.78 (-0.22%) 2,896.94 2,710.67 2,417.59
10 Year Treasury Bond Yield 1.83% 1.46% 1.85% 3.70%
British Sterling 1.6065 1.5573 1.5327 1.9595
Euro 1.3306 1.2248 1.2751 1.4847

Back to top

1st Flash

You Will Be Hacked

It's not a matter of IF you'll be hacked any longer. It's wondering WHEN.

Java has made the news highlights over the past week with news of a zero-day vulnerability. Commentators will tell you to disable the plug-in.

But what does this all really mean? And will it help?

Java is a program that allows website functionality. It allows you to conduct online banking, play online games, chat with people, view 3D images and much more. It's built into your PC or Mac.

Since it's so widespread, it's also a favorite for cyber crooks. This is one program you want to update when prompted. Oracle releases frequent patches as vulnerabilities are detected.

It was one such detection last week that made the headlines.

Users running their version 7 rev. 10 are vulnerable to the threat. Industry experts say that's about 100 million users.

The Department of Homeland Security issued the warning after detecting two zero-day flaws. Oracle responded quickly with a patch. For one of them. Their next patch is due out on February 15th.

Malware package kits exploiting this vulnerability are already out on the black market. By the time the next patch is released, it may be too late for many of us.

Here's what you can do now:

Update your Java. You can find the tools to do this on their website. Your first step should be to find out what version of Java you have running. Their home page has a link asking "Do I have Java?" Click on it to run an auto-detect tool that will confirm your current version. If it's version 7 rev. 10 or lower, follow the links for a free download.

Don't forget to remove the older versions. They have a link for that, too, with directions on removing the software using Windows Control Panel. Mac users will see instructions for their system.

The Department of Homeland Security warns us that updating Java may not be enough. You may want to disable it completely. But realize your websites, games and anything else dependent on Java will be rendered inoperable. Not all websites, merely those functions based on Java.

Unless you're technically inclined, I don't recommend disabling Java in Internet Explorer. It involves a registry edit that will wreak havoc if not performed exactly as directed. You're best to remove the program entirely in this situation.

Firefox and Chrome both offer easy methods to disable any plug-in. Click the Firefox button, choose Add-ons and then the Plug-in tab. You'll see Java listed along with a Disable button.

Chrome users can type chrome://plugins directly into the location bar to find the same option.

Using Safari? Choose Preferences, Security, and uncheck the Enable Java box. Those of you using Opera can follow the same directions as Chrome users.

Java is different from JavaScript, which is code that allows for dynamic web content. JavaScript interacts with HTML to provide visitors a tool to print a page or submit a form among many other functions.

The Internet is a huge resource. One that comes with huge responsibility. It's one more component of daily life that needs to be managed. Done properly, you may one of the lucky ones who avoid my opening prediction.

On The World Wide Web

Money is the leading cause of divorce. What's your money personality? Take the quiz at to learn about yourself and your spouse. Find some good resources, too.

How do you choose the right wireless service? Credit card? Television provider? It's made simple here.

Find a local Zumba instructor. Learn how to play guitar. Find local service pros in a bevy of categories.

Back to top

2nd Flash

Will Your Face Be Shown?

It's been a while since we talked about Facebook in GCFlash. It had become so commonplace that our input was no longer necessary. Lately, though, the social networking giant has unveiled some new bells and whistles that are worth discussing.

Possibly to attract stockholders, maybe to increase value for those who jumped in during their IPO craze, or could be to remain relevant as upstarts try to dethrone their hold as Master of the Media. Socially speaking, that is.

Whatever their motive, the results benefit all who login and post on their pages.

First came Login Approvals. Facebook followed Gmail's lead in securing users with a multi-factor authentication option. Configure your account to require a security code if someone is attempting to access it from an unknown browser. So if you login to your account from your neighbor's PC, Facebook will say, "Hey, is that really you?" and shoot a security code off to your mobile phone. You'll need to enter the code to proceed.

Why would someone try to hack into your Facebook account? Your online identity holds value to a cyber criminal. They can use your credentials to distribute malware, scam your friends or commit fraud in your name.

To enable Login Approval, click on the Settings icon at the far right of your Facebook toolbar. Select Security and you'll see a list of options you can enable to safeguard your Facebook account.

The social networking site has also made it easier to find your privacy settings, and has tried to do a better job of describing options in plain English. You'll see the lock icon just to the left of the aforementioned Settings icon.

You can better control who sees your future posts. Create a Close Friends list to assure only those you really care about know your vacation destination. Limit who sees general posts, who can look you up and how, or review all your posts and the things you're tagged in.

View your timeline as others see it. You can even look at it as a specific friend would.

For all their security enhancements, they still have a way to go with privacy efforts. Yes, you may be echoing my frequent lament... it's very purpose is to share information. How can you possibly maintain privacy?

The information you choose to share is one thing. Tracking you around the web, even when you're logged out of Facebook, is another.

Every time you visit a web page with a Like button displayed, the social site knows about it. Facebook claims this only happens when you're logged into their site. The truth is their cookies never expire.

If you have a Facebook account, you are being tracked.

They're not selling your personal information. But they are pushing ads out based on your travels, likes and location. They can boost ad revenue by selling ad space to a targeted audience.

There are several third party applications available that would delete all cookies automatically when you logout of any web site. But then again, those apps would have to know what sites you're on as well. So are you really gaining anything? They could just as easily jump on the targeted ad bandwagon.

In a major announcement today, Facebook found Mark Zuckerberg introduced a new aspect to the site. No longer speculation, Graph Search is a search engine where you can look up anything shared with you. And a little bit more.

It's a useful way for retrieving and refining the data mine that is Facebook. Say, for example, you want to translate a phrase in Italian but don't want to rely on a site translator. Search for "Friends who speak Italian" and Facebook will scour your friend list to recommend someone whose translation you trust.

Or you have an extra ticket to the Sixers game and not sure who to invite. Your usual game day pal can't go. Search for "Friends who are fans of the Sixers" to find someone you may not have considered.

Hook up with others in your area who share an interest. Try "People in my city who ride motorcycles" and find new riding buddies.

Graph Search launches today in select beta markets. But you can give it a test drive and learn a bit more now.

Tip of the Week

Milo's Kitchen, Cadet Brand, Waggin' Train and Canyon Creek Ranch Chicken Jerky and Chicken Grillers dog treats have been recalled. An antibiotic legal in China, where they're made, is not approved in the U.S. This recall is separate from the whatever caused over 360 dog deaths last fall, all linked to Chinese chicken jerky treats. If you have purchased any of these products, stop using them immediately. Call the manufacturer and demand a refund.

Back to top

Financial Insights

We've added a Financial Glossary to! Not just the standard definitions, but also the commentary you came to know and expect in our Financial Insights column. Extracted from past issues of GCFlash and compiled on one convenient page for your reference.


"When the going gets tough, the tough get going." - Former Notre Dame Head Coach Frank Leahy (Commonly, and inaccurately, attributed to Joseph P. Kennedy)

Today in History

1844 - University of Notre Dame receives its charter from the State of Indiana.

Flash Fact

Notre Dame's nickname "Fighting Irish" was derived from the Irishmen who would box for money in the streets of South Bend in the late 1800s.

Have a comment about something you read in GCFlash? Suggestions for future articles? Drop us an email!

Back to top


GCFlash is a weekly e-mail sent only to its listed customers and associates free of charge. GCFlash informs customers of special product offerings which may be of interest, current interest rates on both deposit and loan products, selected financial news and other financial tidbits. GCFlash is intended to supplement the more comprehensive information listed on the GCF Web site at


For a copy of our Privacy Policy, visit

GCF maintains your e-mail address in a confidential and secure database along with much of your other account information, such as mailing address and telephone number, etc. Before aggregating our e-mailing list each week, we filter out any duplicates. In most cases, this inhibits the unintended e-mailing of multiple copies of GCFlash to a single e-mail address. However, because these account records are kept by both individual and account, there is a chance members of the same household could each receive a copy of GCFlash or any other transmission at the same e- mail address - resulting in multiple copies. For example, a husband and wife that both have accounts with GCF may both receive a copy because the names are different but listed at the same e-mail address. This is similar to the manner in which each individual may share a common telephone number. To handle this situation, GCF recommends you simply delete any extra copies of GCFlash as this will ensure that ALL individuals receive any future promotional mailings, which might only be targeted or offered to specific accountholders meeting certain criteria. GCF has the capability to suppress customer e-mail addresses so they are omitted from our transmission list. If you would rather have a specific household member's e-mail address suppressed in our electronic database, simply send us a reply, as stated below, and indicate the accountholder for which you would like to have e-mail suppressed. Please keep in mind that this suppression will mean that NO future e-mails are sent, including special promotional offers. If you have any questions about this process or need additional information, please contact us at

If you would like to be removed from this electronic mailing list, click this link to send us an email to unsubscribe. Please note, removing your name from our electronic mailing list means GCF will send NO FUTURE NEWS or SPECIAL OFFERS.

GCF Bank
381 Egg Harbor Road
Sewell, NJ 08080
(856) 589-6600