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, December 10, 2013

Edition #742

Today's Highlights:

Past issues of GCFlash:

December 3, 2013 Edition #738

November 26, 2013 Edition #740

November 19, 2013 Edition #739

November 12, 2013 Edition #738

Weekly Spotlight:

Give the gift that's always the right style, the right color, the right choice! A GCF Visa Gift Card is always the perfect gift for any occasion. Stop into any GCF branch to purchase a GCF Visa Gift Card for someone special on your holiday shopping list!

Our Current Rates:

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

Today's National Market Rates
December 10, 2013 6 Mo Ago
1 Yr Ago
5 Yrs Ago
Dow Jones Industrial Average
(Up 2,585.77 or 19.32% since 12/31/12)
15,973.13 (-0.33%) 15,238.59 13,169.88 8,761.42
S&P 500
(Up 376.43 or 26.39% since 12/31/12)
1,802.62 (-0.32%) 1,642.81 1,418.55 899.24
(Up 1,040.98 or 34.48% since 12/31/12)
4,060.49 (-0.20%) 3,473.77 2,986.96 1,565.48
10 Year Treasury Bond Yield 2.79% 2.21% 1.62% 2.68%
British Sterling 1.6444 1.5554 1.6040 1.4814
Euro 1.3763 1.3215 1.2925 1.2689

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1st Flash

Passwords Stolen

If you've visited over the past week, you've already seen the news. Over 2 million passwords were stolen and posted online.

Here's the full scoop:

Security company Trustwave announced last week that its SpiderLabs research group gained access to a server which was part of a botnet called Pony. The botnet collected personal information from users in 102 countries.

Trustwave notified the larger of the affected organizations and learned some of the credentials were outdated. Victims were notified and compromised passwords were changed.

It's not known exactly which malware was used to infect the victims' computers and send the information to the bad guys. But it's believed to be distributed through a phishing attack.

Once your computer is compromised, passwords to every account or website you visit are their's for the taking.

Facebook, Yahoo, Google, Twitter, LinkedIn and ADP payroll services were among the largest groups of more than 90,000 websites and ISPs whose passwords were found on the server. Frighteningly, the most common passwords discovered were ones the public has been warned not to use over and over again. The most common password found was "123456," used in nearly 16,000 accounts. It narrowly beat out "12345". Other frequent credentials included "password," "123" and "1".

The stolen credentials were posted online on an underground cybercrime website. They're shared on the black market with anybody willing to pay the price.

Think, for a minute, about all those mail order catalogs that fill your mailbox this time of year. They're the result of companies selling their mailing list to other vendors. Fortunately, the Direct Marketing Association has a method to remove your name from such lists similar to the FCC's Do Not Call list.

You can't ask to be removed from a stolen password list. Even if there were an advocacy group to petition. Criminals don't play by the rules, regardless of how many laws exist.

Far too many people choose a password, and then cling to it for life. Using it for multiple websites. They'll devise something simple that's easy to remember.

It's also easy for hackers to crack. And once they do, you may as well just grant them access to all of your accounts. They've probably already cleared everything out of them by the time you notice the breach.

Readers: Change Your Password!

Many accounts force a change every 90 days. That may not be necessary in all circumstances. But at the very least, change them every six months or whenever a specific threat emerges.

Make your password something hard to guess. We cover strong password tips fairly often in GCFlash. Today's web highlights offers past articles you can refer to.

If you're among those thinking this could never happen to me, visit our Security Center for resources on recovering from identity theft.

On The World Wide Web

Tips on creating a strong password have been printed frequently in GCFlash. The ones in this article contain references a bit dated, but the advice remains sound.

GCF Bank tightened password protocol in June 2012. Here's an article we printed to explain the change, along with tips on creating a new one.

How secure is your password? Find out here. GCF Bank does not promote the password manager suggested at this site, yet the tester itself gives insight into how long it would take a hacker to crack your password.

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2nd Flash

To Hash and How To Hash

Those #hashtags can look a bit annoying. But you'd better get used to seeing them embedded in ads, videos, social media, and anywhere else a statement is being made.

Remember how funny it looked when the Internet was young? TV and print ads would display the entire url "HTTP://" They're so commonplace today you can eliminate everything except and still get where you're going.

The same will be true of hashtags one day. They began as a social media tool, and quickly morphed into a marketing and advertising sensation.

Hashtags are an easy way to find related content online. They serve as a search tool on social platforms.

They're easy to spot in a tweet or post. A simple click on the hashtags compiles comments on your subject of interest in one handy screen, similar to Google or Bing search results. They can be leveraged across platforms by entering the hashtag into a traditional search engine, or confined to the social site you're visiting at the time.

Companies and individuals can register a hashtag. You can't prevent others from using it, but it could be important in implementing an advertising campaign or promoting an event.

If you do create a hashtag, you'll want others to use it as often as possible. It's the surest way to gain attention to your cause.

Learn what your customers think of your product, what your competitors are doing, or how the media is presenting a topic related to your item of interest. Know how often people are sharing your topic, and how they feel about it.

Hashtags get people talking. Post your comments on a topic and interact with others who share your interest. Expand your professional network.

Use hashtags to announce breaking news. In researching this article, I learned that the family missing in Nevada has been found alive and in pretty good condition just 10 minutes ago. Good news travels as quickly as bad news.

The little ones can follow Santa's journey this year using hashtags #Norad and #Santa.

Hashtags may one day revolutionize the way people shop. Celebrities and manufacturers are selling products or accepting donations to their charities by simply adding #buy to their tweets.

American Express offered money-back deals to customers who synced their credit card with their Twitter account. They could then purchase certain products from Amazon, Sony and other partners by tweeting a special hashtag. Spend $250 at Best Buy and get a $25 credit on their account. Simply tweet the appropriate code.

Companies like Chirpify ask consumers to sign up once on their website, provide their personal and credit card information, and buy items instantly using specified hashtags. They have deals in place with MasterCard, Adidas, Sprint and others, and they're already selling consumer goods by just using a hashtag.

Selling products over the TV just got easier. Simply add a hashtag to your advertising. A consumer tweets it out and product arrives at your door.

Convinced of how useful hashtags can be? Ready to try it yourself? Like everything else, you have to learn to use them wisely.

Don't just run a phrase together and preface it with a hashtag. Test out your options. Check to see what other content comes up. If the results aren't targeted to what you are offering, go back to the drawing board and try again.

Use them sparingly. It's hard to read a tweet with multiple hashtags strung together. Readers tend to overlook those they see repeatedly.

Make it relevant. Don't use generic words. Hash a specific topic. Put it out on social platforms and test the results using a site like or

Be prepared for whatever you may learn. And use the results to improve where you may be lacking.

The folks from McDonalds urged customers to use #McDStories to share their love for the famed hamburger. Instead, it serves as a prime example of a hashtag gone wrong when customers used the opportunity to bash their quality and service.

And life is eternal on the Internet. Once posted, it spawns life of its own. Even if the author deletes it, it can continue to resurface.

Read your proposed hashtag over and over to make sure it can't be misinterpreted. Ask others to do the same. When former British Prime Minister Margaret Thatcher died, news sources used #NowThatchersDead to spread the word. Many saw #NowThatChersDead and mourned the singer's loss.


Tip of the Week

'Tis the season to be shipping. Domestic first-class mail must be sent by December 20 to reach your recipient by December 24th. Standard international mail should have been sent yesterday. Find a chart by country and military ship dates at

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"Do not judge me by my successes, judge me by how many times I fell down and got back up again." - Nelson Mandela

Today in History

1799 - The metric system is established in France.

Flash Fact

A senior or middle management staff member was responsible for the fraud that occured at nearly one-third of companies surveyed.

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 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