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!

Today's Highlights:

Past issues of GCFlash:

December 11, 2012 Edition #692

December 4, 2012 Edition #691

November 27, 2012 Edition #690

November 20, 2012 Edition #689

Weekly Spotlight:

With Debit Card fraud on the rise, GCF is always looking for better ways to increase our customer's security. Verified by VISA adds another layer of security for on-line purchases made with a GCF VISA Debit Card. Activate it today.

Our Current Rates:

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

Today's National Market Rates
December 18, 2012 6 Mo Ago
1 Yr Ago
5 Yrs Ago
Dow Jones Industrial Average
(Up 1,133.40 or 9.28% since 12/31/11)
13,350.96 (+0.87%) 12,741.82 11,866.39 13,232.47
S&P 500
(Up 189.20 or 15.04% since 12/31/11)
1,446.79 (+1.15%) 1,344.78 1,219.66 1,454.98
(Up 449.38 or 17.25% since 12/31/11)
3,054.53 (+1.46%) 2,895.33 2,555.33 2,596.03
10 Year Treasury Bond Yield 1.83% 1.58% 1.85% 4.12%
British Sterling 1.6250 1.5710 1.5482 2.0167
Euro 1.3225 1.2639 1.2999 1.4399

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1st Flash

Another Tragic Sandy

This isn't the article I had planned to write today. But it's one that must be written.

The heinous act perpetrated at Newtown, Connecticut's Sandy Hook Elementary School last Friday has left our entire nation in a state of shock.

We weep with the parents who took their children to see Santa one week, and had to bury them the next. We search for answers to questions that hold none: How did something like this happen? How could it have been avoided? How do we prevent it from happening again?

The terrorist attacks of September 11, 2001 revealed the face of evil. Intel knew something big was in the works, but nobody would have foreseen commercial aircraft used as a weapon.

There were signs that the Sandy Hook shooter was unstable. But who could have imagined any human capable of such a horrific act?

Gun control advocates see this tragedy as proof of their platform. But over 10,000 Americans are killed every year by drunken drivers. Nobody has yet to suggest we ban automobiles.

Yes, you are going to get a bit of personal opinion here. Just a little bit.

Timothy McVeigh constructed a homemade truck bomb to blow up the Alfred P. Murrah Federal Building in Oklahoma City in 1995. We still use fertilizer today.

The point is that someone capable of mass destruction does not care what weapon they use. They'll find something; whether it be an airplane, automobile, fertilizer or a gun.

We can blame violent video games, graphic scenes in movies and television, or even song lyrics. But according to the 2010 U.S. Census, there are over 30 million Americans between the ages of 18 - 25 exposed to the same environment.

We will never make sense of such action. People with a mental illness do not view the world in the same way as the rest of us. We can't comprehend their sense of reality anymore than they can ours.

What has to happen is that we, as a public, gain a greater understanding of mental illness and remove the stigma attached to it. Only then can those who suffer from the disease begin to seek the help they desperately need.

The human body contains 78 organs, 13 considered major. Among them include the heart, kidney, lungs, stomach, liver and brain.

Dysfunction in any of them send you scurrying to the doctor. Early detection of potential malfunction is the difference between life and death.

Except the brain. When something goes awry in this complex maze of neural circuitry, we're ashamed. We should be able to rationalize our way to mental health.

Quite impossible when it's the very organ used to do so that suffers. We can't think our way out of mental illness anymore than we can order proper blood flow to our heart or enzyme creation to a failing liver.

That such horrific events can unfold in the quiet, upscale city of Newtown is proof that it can happen anywhere at anytime. Society must acknowledge the unspoken truths about mental illness and puts resources towards eliminating this deadly disease for us to hold hope for a cure.

In the meantime, the City of Houston Mayor's Office of Public Safety offers advice on responding to an active shooter. We share it with you here:

If you find yourself in the middle of an active shooter event, your survival may depend on whether or not you have a plan. The plan doesn't have to be complicated. There are three things you can do that make a difference:



If you can get out, do so

  • Always try to escape or evacuate, don't let others slow you down with indecision
  • Getting yourself out of harm's way is your #1 priority
  • Once you're out of the line of fire, call for help


If you can't get out safely, you need to find a place to hide

  • Act quickly and quietly
  • Try to secure your hiding place as best you can
  • Turn out lights and lock doors
  • Silence your cell phone
  • If you can't find a safe room or closet, try to conceal yourself behind large objects that may protect you.
  • Do your best to remain calm


As a last resort, if your life is at risk, whether alone or working together as a group, FIGHT!

  • Act with aggression
  • Improvise weapons
  • Disarm the shooter
  • Commit to taking the shooter down, no matter what.

Remember ... RUN, HIDE, FIGHT

What to expect from responding police officers:

Police officers responding to an active shooter are trained to proceed immediately to the area in which shots were last heard; their purpose is to stop the shooting as quickly as possible. The first responding officers will normally be in teams; they may be dressed in regular patrol uniforms, or they may be wearing external bulletproof vests, Kevlar helmets, and other tactical equipment. The officers may be armed with rifles, shotguns, or handguns, and might also be using pepper spray or tear gas to control the situation. Regardless of how they appear, remain calm, do as the officers tell you, and do not be afraid of them. Put down any bags or packages you may be carrying and keep your hands visible at all times; if you know where the shooter is, tell the officers. The first officers to arrive will not stop to aid injured people; rescue teams composed of other officers and emergency medical personnel will follow the first officers into secured areas to treat and remove injured persons. Keep in mind that even once you have escaped to a safer location, the entire area is still a crime scene; police will usually not let anyone leave until the situation is fully under control and all witnesses have been identified and questioned. Until you are released, remain at whatever assembly point authorities designate.

On The World Wide Web

The holiday season means different things to different people. Those readers who celebrate the birth of Christ will find inspiration, and a break from the hustle bustle, in this video.

Santa and his elves have been busier than ever this holiday season. Find facts about Santa, enjoy Christmas activities, track Santa's path and learn about NORAD at this site.

This holiday season, give a gift to those who have given the greatest gift of all. Help a military family receive a holiday dinner. Learn how.

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2nd Flash

GCFlash 2012 Year in Review

This is the last issue of GCFlash for the year 2012. What a year it's been.

We made banking easier through two new offerings at GCF. First was Popmoney which allows you to send money to anyone, anywhere, anytime with only their email address or cell phone number. Popmoney makes sending money to your kid in college or contributing to your parent's anniversary gift a breeze.

Still not using Popmoney? You'll find the tab in GCF Online Banker's bill pay section. Try it once and you'll be hooked.

Next, mobile banking came to GCF with Touch Banking. Now you can check your balances from the palm of your hand. Confirm a payment was made or schedule a new one while you're at it. Find branch or ATM locations and hours of operation, too.

Soon Popmoney will be available through Touch Banking. That's right. You can be just like the folks in the television commercial who divvy up the restaurant tab and zap each other their share while they're still sitting around the table. All through their smartphone. We expect this to be available by the end of January. You'll get the scoop here first.

Bank online with more confidence in 2013. GCF is implementing a tool that allows us to detect fraud attempts and stop them in their tracks - before you become a victim. And the best part is that you won't have to change a thing in your current login procedures. No additional authentication measures, no new password to learn. It is all happening behind the scenes.

It's been an interesting year in GCFlash, too. The presidential elections brought political issues to the forefront. Hurricane Sandy gave us reason to share disaster, insurance and contractor tips that would not have been otherwise necessary.

As is our custom, we reviewed legislation that impacts our readers. Tax law, retirement benefits, IRAs laws and government regulations can be complex. Count on us to bring you relevant news when you need it most.

Our primary focus with this e-newsletter is your online security. The rest is just for fun. You wouldn't be anymore interested in reading nothing but articles on scams and malware than we would be in writing about only those topics.

Yet they are the most important resource we offer. And some are pretty darn intriguing. Like the government-created Stuxnet we told you about. It was the first worm designed to target a country's infrastructure.

And you learned how Flame could potentially be more destructive than Stuxnet.

We revealed how Ramnit infiltrated Facebook accounts. There's good news in that 10 individuals around the globe were recently arrested for conducting this scam among others.

We also provide you with tips and resources to avoid becoming a scam victim, and steps to take if you've already been compromised. These tools are always available in our Security Center.

GCFlash may be taking a holiday break, but we're not. We'll be as busy as Santa's elves. Watch for new, enhanced content on our website.

The staff of GCFlash wishes all our readers a Merry Christmas, Happy Holiday season and prosperous new year.

Tip of the Week

Christmas trees exemplify holiday spirit. But if you don't adhere to safety tips, they can become a fire hazard. Never put your tree up too early or leave it up longer than two weeks. Keep your tree away from heat sources such as fireplaces or vents. Keep it watered at all times. Find more safety tips here.

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"It came without ribbons. It came without tags. It came without packages, boxes, or bags. Maybe Christmas doesn't come from a store. Maybe Christmas... means a little bit more." - The Grinch

Today in History

1966 - Dr. Seuss' "How the Grinch Stole Christmas" airs for the first time on network television.

Flash Fact

Thurl Ravenscroft, who sang the song "You're a Mean One, Mr. Grinch", was also the voice of Tony the Tiger in the Frosted Flakes television commercials.

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, 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