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 22, 2013

Edition #696

Today's Highlights:

Past issues of GCFlash:

January 15, 2013 Edition #695

January 8, 2013 Edition #694

December 18, 2012 Edition #693

December 11, 2012 Edition #692

Weekly Spotlight:

Find out What's New on!

Our Current Rates:

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

Today's National Market Rates
January 22, 2013 6 Mo Ago
1 Yr Ago
5 Yrs Ago
Dow Jones Industrial Average
(Up 324.77 or 2.43% since 12/31/12)
13,712.13 (+0.46%) 12,727.46 12,720.48 11,971.19
S&P 500
(Up 66.32 or 4.65% since 12/31/12)
1,492.51 (+0.44%) 1,350.52 1,315.38 1,310.50
(Up 123.67 or 4.10% since 12/31/12)
3,143.18 (+0.27%) 2,890.15 2,786.70 2,292.27
10 Year Treasury Bond Yield 1.84% 1.43% 2.03% 3.48%
British Sterling 1.5833 1.5619 1.5444 1.9503
Euro 1.3319 1.2151 1.2885 1.4519

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1st Flash

Popmoney® Goes Mobile

Not using Popmoney yet? You're missing out on the fastest, simplest and safest way to send money from your checking or savings account to anyone that has an email address or cell phone number.

That means absolutely everybody.

And we've made it even easier yet. Popmoney is now available in Touch Banking!

Sending and receiving money is now just as easy as emailing or texting. Simply log into GCF Online Banker on your computer OR your mobile device and select the Bill Pay feature. You must be enrolled in Bill Pay to use this neat feature.

If you're logging in from your PC, you'll see a tab for Popmoney on your bill pay main landing page. Mobile users will select the Payments icon from the main menu.

From there, follow the prompts to schedule a payment to anybody at anytime. Your kid at college. Did he tell you yesterday that a fee is due today? No worries!

Your sister to chip in for your parent's anniversary gift. The debate over what to buy lasted until the day before the big event. No worries!

Your share of the dinner tab. Someone forget their wallet? They can't use it as an excuse any longer.

Your landlord. "The check is in the mail" is just another obsolete excuse.

Your lawn care worker. Nobody wants to be chased down the highway by an angry man on a tractor.

The recipient will be notified that you sent them money. If their bank is among the 1,700 that offer Popmoney, the funds will be deposited directly into their account.

If not, they'll have to register at to retrieve payment. This is a one-time process. Subsequent payments to the same person will be automatically handled as directed.

Eliminate the hassles of writing checks, snail mail delays and increasing postage costs. No personal checks in the mailbox with a pickup flag extended, a welcome sign to thieves lurking for your account numbers.

Still not convinced? Visit our web site to answer any questions you still may have.

On The World Wide Web

Find out where on the Internet a photo has appeared. Not all sites are yet catalogued, but you'll know if someone has stolen a Facebook image or sent you a photo of a supermodel by uploading it here.

Take the romance scams quiz. Find support, education and healing for scam victims at this site.

Legitimate online dating sites can be a great way to meet people, as long as you follow these ten online dating safety tips

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2nd Flash

Can You Be Manti'd?

The official name for the scam is catfish. Yet the revelation of a very public hoax perpetrated on the Heisman trophy runner-up Manti Te'o has brought it to a whole new level.

Te'o was involved in an online romance. While those of us of another generation find this far-fetched, those of the digital age can relate quite well.

People meet under every circumstance life offers. You meet people at school, at work, at clubs, at ballparks, at church. Anywhere people gather offers an opportunity to connect with others.

There's no need for it to be a physical location. Those seeking companionship might have placed a personal ad in the local newspaper back when they were the major source of news.

Today it's the Internet. Dating sites, social networking sites, sites dedicated to a shared interest or cause all bring people together under a common umbrella.

And like those you meet under any circumstance, they're not all who they portray themselves to be.

It could be a lie concerning where they went to college or previous job responsibilities they never really held. Maybe they want you to think they were raised in a good neighborhood rather than one fallen into decline. Pretending to be someone you aren't is no new trend.

But the anonymity of the Internet has made it more dangerous. Like cyberthieves, those who perpetrate cyberscams can ply their trade hiding within the complexity of the World Wide Web.

The term catfish is derived from Alaskan cod fishermen. The cod were kept in vats en route to market in China. Being listless for such a long time, the flesh was mush and tasteless when it arrived. Someone had an idea of putting catfish in the vats to keep them agile since they had to remain on guard. It worked.

An online catfish is a person who creates fake profiles using someone else's pictures and information. They keep you guessing whether the person you're chatting with is who they claim to be. They keep you thinking, on your toes.

Some merely suffer from low self-esteem and in need of an emotional boost. They think nobody could ever love them as they are. They're too fat or too tall. Too poor or too young. So they don a new persona as someone else with nobody the wiser.

Others are scam artists trying to bilk whatever they can out of you. A picture they send may contain a password-stealing virus. They may drill you for personal information.

They may offer a sob story about losing a parent or have a sick relative and need money to travel. A common ploy is pretending to be a soldier who needs money to call home more often. Terrorists often use such scams to raise money.

The best advice we can offer is to avoid falling in love with someone you haven't yet met. But this isn't as easy as it sounds. Catfish are skilled at detecting your vulnerabilities and target caring, honest people who trust in human nature.

There are warning signs. Cancelling face-to-face meetings at the last minute, claiming to fall in love with you in a short period of time, sob stories. Yet these are easy to rationalize when you think you've found your soul mate. Warning signs are easily dismissed as something time and growth will overcome. If this weren't true, divorce wouldn't be so prevalent in our culture.

Catfishing is so widespread that there is a MTV show devoted to it. Producer Nev Schulman was a victim himself. He documented his experience with a woman he knew as Megan in 2010. Turned out to be someone completely different - and the basis for a docudrama.

Since its debut, Schulman has been deluged with requests from people in online romances trying to learn the truth about a partner they've never met. It became the basis for an entire series.

He performs background checks and arranges for the two parties to meet. Sometimes the relationships are authentic and a love connection is made. Other times it's a scam and makes for pretty good TV.

Te'o revealed personal aspects of his online relationship to ESPN's Jeremy Schaap. He got a friend request on Facebook from a woman portraying herself as Lennay Kekua four years ago. The relationship didn't become romantic until late April 2012.

During that time he spoke with a man pretending to be her brother, and one supposedly a cousin. He spoke with someone he thought to be her sister and another her mother.

In reality, it was likely only two people playing all of the roles. And they were good.

Te'o spoke with Lennay every night on the phone. They shared scriptural observations. Te'os parents would often join the conversation. She spoke with his mother at length about converting to his Mormon faith.

He was sent a photo of family members posing with the flowers both he and his family sent for her funeral. The address given for the funeral home turned out to be a foreclosed home.

If only he had taken the time to Google her. He may have learned her dad's construction company didn't exist. He might have thought twice when her name didn't appear as a Stanford alumni as she claimed. Red flags would have raised when he got black screens during Skype sessions.

He would have known that nobody named Lennay Kekua had died on September 12, 2012. He would not have found a record of her birth.

In shock and disbelief, he learned of the deceit the day of the ESPN/Home Depot College Awards Show. Still not understanding what had happened to him, he continued the myth when asked about the inspiration for his performance during one of the greatest seasons in college football history.

Public humiliation is the least of what Te'o has undergone as a result of this hoax. He was projected to be chosen first pick in this year's NFL draft. If professional football teams deem his human error as lack of character, and overlook his achievements on the field, he stands to lose millions of dollars in both contract terms and future endorsements.

Yet Te'o believes there is purpose behind everything. If it can help others understand the risk in online relationships, all is not lost. As long as his family is okay, he will be too.

Today's web highlights offer resources you can use to checkout someone before you take that risk.

Tip of the Week

The Federal Trade Commission (FTC) is warning small businesses that an email with the subject line "Notification of Consumer Complaint" is not from the FTC. The email falsely states that a complaint has been filed with the agency against the business.

The FTC advises recipients not to click on any of the links or attachments with the email. Clicking on the links may install a virus or other spyware on the computer.

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Financial Insights

We've added a Financial Glossary to! More than mere definitions, our glossary includes 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.


"A mule will labor ten years willingly and patiently for you, for the privilege of kicking you once." - William Faulkner

Today in History

1673 - Postal service between New York and Boston was inaugurated.

Flash Fact

An online dating research study conducted in 2011 found one out of every 20 online dating accounts were bogus or scams.

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

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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


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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

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