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, April 12, 2011

Edition #606

Today's Highlights:

Past issues of GCFlash:

April 5, 2011 Edition #605

March 29, 2011 Edition #604

March 22, 2011 Edition #603

March 15, 2011 Edition #602

Looking for articles from a past issue of GCFlash not listed above? Find them in our Knowledge Base!

Weekly Spotlight:

With Debit Card fraud on the rise, GCF is always looking for better ways to increase our customer's security. With Verified by VISA, we are able to provide another layer of security for on-line purchases made with a GCF VISA Debit Card. Click here for details!

Our Current Rates:

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

Today's National Market Rates
April 12, 2011 6 Mo Ago
1 Yr Ago
5 Yrs Ago
Dow Jones Industrial Average 12,263.58 (-0.95%)
(Up 686.07 or 5.93% since 12/31/10)
11,020.40 11,005.97 11,129.97
S&P 500 1,314.16 (-0.78%)
(Up 56.52 or 4.49% since 12/31/09)
1,169.77 1,196.48 1,288.12
NASDAQ 2,744.79 (-0.96%)
(Up 91.92 or 3.46% since 12/31/08)
2,417.92 2,457.87 2,314.68
10 Year Treasury Bond Yield 3.49% 2.42% 3.85% 4.98%
British Sterling 1.6345 1.5920 1.5370 1.7440
Euro 1.4429 1.3923 1.3497 1.2118

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1st Flash

Be Smart About Your Phone

We love our phones. In fact, we've become so attached to them that they're like having another appendage. At least they appear that way when you're navigating a shopping cart through a crowded grocery store. How often have you gotten stuck behind a customer with elbow out and phone to ear - oblivious to the products on the shelf much less other shoppers?

Phones reach far beyond merely placing traditional calls. They serve as a total communications center. Your kid does something cute, you snap a picture and upload to Facebook so relatives near and far can share the experience.

Your favorite team scores big in an important game and you no longer have to wait for the morning paper's box scores to know the results or which star rose to the occasion. Or maybe offer an instant prayer for the people of Japan as news of the latest aftershock displays in real-time right in the palm of your hand.

It's no wonder competition in the marketplace is so fierce.

I'm talking about the criminal marketplace here. That little device you carry around contains more personal information than you might imagine. Computer threats have become so passé. The real booty is in your smartphone.

Your phone knows where you are. It knows who you communicate with and what you're doing.

Privacy advocates are concerned. So is the U.S. government.

Internet music provider Pandora was one of several companies subpoenaed by a federal grand jury last week, but they're not a specific target of the investigation. It's believed by many that some apps running on Android and iPhones collect more information about users than they claim. And our government wants to know the whole story.

A recent report revealed that 4.5 million phones are lost or damaged in the United Kingdom alone. No figures were offered for the U.S. but we can surmise the number is great.

Who finds those phones? And what do they do with the personal information they find along with it?

Mobile banking, shopping or investing carry the same risks as their online counterparts. Computer users have become savvy to the threats and keep anti-virus products updated to stop malware in its tracks. How many of you do the same with your phone?

Scammers hide Trojans inside reputable apps. Without protection, you could be downloading more than you expect.

Android recently announced finding about two dozen malicious applications that were put in their store, downloaded by over 100,000 users. These apps were capable of not only transmitting your personal information to a remote server but could turn your phone into a bot controlled by hackers.

Blackberry and Windows Mobile 6 users are safe from this type of threat. Both have developed a central white list that IT staff can design which applications are allowed to be installed on the phone. It's controlled from a central location. They're geared towards business function and designed as such.

But a large part of the Apple iPhone and Google Android attraction is allowing consumer access to hundreds of thousands of must-have apps along with Facebook and its plethora of the same. Security takes a back seat.

So here we have a computer we carry with us everywhere we travel. One that carries all the risk of your laptop or desktop PC. Plus it's mobile, increasing the probability of loss. And it's advertised as a consumer electronic gadget, reducing your awareness of possible danger.

Cyber criminals have found the goose that lays a golden egg.

Here's what you need to do.

Have you assigned a PIN or password to your phone? Doing so will prevent someone unauthorized from finding more than your phone should you become separated from it.

Norton, AVG and Trend Micro offer anti-virus apps for smartphones. Many are free. They're available for Android platforms. Blackberry, iPhone or Symbian OS users can find McAfee and Kapersky products designed for those platforms.

These apps will scan downloads and catch malicious files before they catch you.

There are apps available to protect your data. They'll perform automatic backups where you can access your data if you lose your phone. You can even control your phone remotely from their web site; erasing data, securing files, even locating your phone via GPS.

This new technology presents new risks. But with it you'll find stronger means to combat them.

On The World Wide Web

Microsoft released Internet Explorer 9 last month. That can only mean Version 10 is right around the corner. Take a test drive.

Your brain needs regular exercise to function properly. Doing so requires fun. Start playing brain games.

Improving your brain improves your life. Find exercises to improve your brain's health and performance here.

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2nd Flash

Browser Wars Version 4, 9 and 10

It's said that there's no rest for the weary. As well, there's no rest for those in the IT field. By the time one version of any new offering is announced, an upgrade is already in the works.

Likewise, the competition is quick to announce their latest and greatest product. Is it coincidence that we find they contain similar features?

Both the Mozilla and Microsoft folks were so enamored by Chrome's sleek look and functionality that they incorporated much of it in their latest versions of Firefox 4 and Internet Explorer 9.

Gone are the clunky menus that cluttered the Firefox window. The tabs are above the URL bar, giving the product a clean look. Use Firefox in Android? You can now sync your passwords, bookmarks and even open tabs for access wherever you happen to be browsing.

A redesigned add-on library makes it easier to find new ones as well as manage those currently installed. If a plug-in crashes, it won't take the browser down with it. Simply reload the page and you're back up and running.

It's fast. A new JavaScript engine speeds up browsing, up to six times faster than previous versions according to Mozilla.

Create App Tabs for frequently visited sites. By right-clicking an open tab and selecting "Pin as App Tab," you'll create a tiny tab window that takes up less space while keeping the page open. Organize tabs in groups with Panorama. Switch between tabs from the URL bar. Start typing the page title and you'll see an option to switch to that tab. No more searching!

Microsoft unveiled Internet Explorer 9. It's loaded with features new to the product. But if you're a Firefox, Chrome or Safari user you won't find much new.

This version only works with Windows 7. Those of you running XP or Vista are stuck with IE8.

Internet Explorer 9 features a tabs page with tiles of your favorite sites, similar to Chrome. Notifications appear at the bottom of your screen, making them less intrusive while you're browsing.

The "One Box" turns your URL bar into a Bing search tool. Type either a web address or search term into the same box. Again, very similar to Chrome.

Drag the tab of your favorite sites to the taskbar to "pin" it. Color code and rearrange tabs for easier retrieval.

Crash management is improved similar to Firefox and Chrome. One bad page doesn't spoil the mix.

Perhaps the best feature of IE9 is the way it integrates with Windows 7. Bookmarks pinned to the taskbar update in the background, providing real-time information like unread emails or thumbnail previews of new site content. Use the "Snap" feature to view two web pages side-by-side.

With competitors quick to embrace Chrome's innovations, there's only one way its Google creators could respond.

Chrome 10 not only targeted the user experience, they took a swing at security as well.

Their new preference page makes it easy to sync bookmarks, passwords and other settings between computers you run Chrome on similar to Firefox. Sync data encryption too. But here you can also import data from other browsers with just one click as well.

Manage settings in a separate tab rather than a floating window that can get lost. Search for specific settings based on keywords. Type "cookies" and search results will display all setting options available.

Google introduced a system they call "sandboxing," improved in Google 10. It keeps each web page open in a separate sandbox. This keeps the browser running when one page crashes. Heard this before? Not quite. Sandboxing also keeps a virus contained on the page that attempted delivery rather than infecting your entire computer.

Creators claim version 10 is 66 percent faster than its predecessor.

Not yet impressed? Stay tuned. Beta versions of the next versions will be available soon!

Tip of the Week

Navigate too deep on a web site to find your way back home? Not every site contains a menu bar on each page. To quickly get back to a web site's home page, click on their logo in the banner head.

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Financial News

In this global economy that we are in, imports and exports have a huge impact on our economy and indeed on inflation. Export prices rose 1.5 percent for the month of March. The increase for the last twelve months was 9.5 percent. Food inflation is the big mover with agricultural prices up 2.3 percent in the month.

Import prices also went up 2.7 percent in March. However, this increase was greatly impacted by a 10.5 percent bump in the prices of petroleum imports. Excluding petroleum, import prices only went up 0.3 percent, a drop from the prior month of 1.2percent. Over the last year, total import prices also increased to 9.7 percent in March. Inflation is a key component these price changes, moving beyond energy and food.

Analysts will look to other benchmarks that will be reported later this week like the Consumer Price and Producer Price Indexes to continue to point the direction and speed of moves in inflation and the overall economy.


"When I took office, only high energy physicists had ever heard of what is called the Worldwide Web.... Now even my cat has its own page." - Bill Clinton

Today in History

1961 - Soviet cosmonaut Yuri Gagarin became the first man in space and the first to orbit the Earth.

Flash Fact

The first orbital human spaceflight by Yuri Gagarin lasted 108 minutes.

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

For more comprehensive information, visit our Web site at or call (856) 589-6600 Ext: 337 (Timothy P. Hand)


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, please hit reply and place the word REMOVE in the subject line. 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