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!
GCF Gift Card Terms and Conditions

and Frequently asked Questions

Give this document to the recipient of the gift card for any future questions or issues

For all Gift Cards the following fees apply:

Maintenance Fee
Subject to applicable law, beginning the 13th month after the Card is purchased, a monthly maintenance fee of $2.95 will be assessed to your Card. This fee will be assessed to your Card as long as there are funds remaining on your Card.

Purchase Fee
A purchase fee of up to $6.95 may be assessed at the time of purchase.

Lost/Stolen Card Replacement Fee
If your card is lost or stolen, there will be a fee of $5.00 to replace it.

  • Always know the exact dollar amount available on your Card.
  • Merchants do not have access to this information and cannot determine the balance on your card.
  • Free access to check your balance is available at or by calling 1-888-399-7511


  • Point-of-Sale Purchases: When making a purchase always select CREDIT.
  • Gas Pumps: We recommend using your Card inside at the register and not at the pump.
  • Restaurant Purchases: Most restaurants will automatically factor in an additional 25% to cover any tip you may leave on the Card. You should ensure that your Card has an available balance that is 25% greater than your total bill.

This Card can be used for purchases ANYWHERE Visa®, MasterCard or Discover  debit cards are accepted!


  • Sign the back of your Card before use
  • Write down the Card number and the customer service number from the back of the Card on a separate piece of paper in case the Card is lost or stolen.
  • Log on to at anytime to check your balance and transaction history.

Other Facts

Q: How do I register the Card to my name?
A: Go to Registering your Card will provide the additional security required to allow you to use your Card for Internet or phone purchases as well as requesting a replacement should your Card become lost or stolen.
Q: Can value be added onto my Card after it is purchased?
A: No, the Card is disposable. It cannot be reloaded or renewed. When all value is used, the Card should be destroyed. Do not give your Card to a merchant to destroy.
Q: How do I use my Card at hotels and rental agencies?
A: Like restaurants, these types of companies may also authorize for 25% over the purchase price to cover incidental charges. Again, make sure to have at least 25% over the total purchase available on your Card.
Q: If my Card is lost or stolen, how do I report it?
A: Immediately report your Card lost or stolen by calling the number listed on the back of your Card.

Prepaid VISA® Gift Card - Cardholder Agreement

Terms and Conditions for the Gift Card
This document constitutes the agreement ("Agreement") outlining the terms and conditions under which a Visa U.S.A. Inc. ("Visa"), MasterCard International Incorporated ("MasterCard") or Discover Network ("Discover") Prepaid Card ("Card") has been issued to you. The Prepaid Visa® Gift Card is a prepaid card issued by MetaBank ("Issuer"). By accepting and using this Card, you agree to be bound by the terms and conditions contained in this Agreement. Please sign your Card immediately. In this Agreement "You" and "your" mean the person or persons who have received the Card and are authorized to use the Card as provided for in this Agreement. "We", "us", "our" and "Bank" mean MetaBank, our successors, affiliates or assignees. You agree to sign the back of the Card immediately upon receipt. The Card will remain the property of Bank and must be surrendered upon demand. The Card is nontransferable, and it may be canceled, repossessed, or revoked at any time without prior notice subject to applicable law. Please read this Agreement carefully and keep it for future reference.

The Card allows you to access funds you place on the Card. The Card does not constitute a checking, savings or other bank account and is not connected in any way to any other account you may have. The Card is a Prepaid Card loaded with a specific amount of funds, redeemable to buy goods and services anywhere Visa®, MasterCard, or Discover debit cards are accepted. The Card is NOT a credit card. The Card is not connected in any way to any other account and is not FDIC insured unless fully registered. To register your card visit or call the telephone number on the back of your card.

Authorized Users
Until you sign the Card, you may present the card to another person for their use. That person should then sign the Card and become subject to these terms and conditions. However, once you sign the Card it is for your use only. You are wholly responsible for the use of each Card according to the terms of this Agreement.

Using Your Card
You may use your Card to obtain goods or services anywhere Visa, MasterCard or Discover debit cards are accepted. The Card cannot be used for illegal transactions or online gambling activity. If you use your Card number without presenting your Card (such as Internet or telephone purchase), the legal effect will be the same as if you used the Card itself.

For security reasons, we may limit the amount or number of transactions you can make on your Card. You do not have the right to stop payment on any transaction made with your Card.

Each time you use your Card, you authorize us to deduct the amount of the transaction from the balance of the funds associated with the Card. YOU ARE NOT ALLOWED TO EXCEED THE BALANCE OF THE FUNDS AVAILABLE ON YOUR CARD. If you attempt to use the Card when there are insufficient funds associated with it, the transaction will generally be declined. Nevertheless, if a transaction that exceeds the balance of the funds available on your Card occurs due to a systems malfunction or otherwise, you shall remain fully liable to us for the amount of the transaction and any applicable fees or charges.

If you wish to use your Card for a purchase which is greater than the balance of the funds available on your Card, you must tell the merchant to charge only the exact amount of funds available on the Card to the Card and then you must arrange to pay the difference using another payment method. The merchant may require payment for the difference in cash rather than accepting another card, such as a credit or debit card. Some merchants may not accept these "split transactions." If you fail to inform the merchant prior to completing the transaction, your Card is likely to be declined.

If you commence a purchase and then change your mind and fail to make the purchase, after the merchant has already obtained an "authorization" for the transaction, the "authorization" may result in a temporary hold for that amount of funds for up to ten (10) days. Car and hotel authorizations may result in a temporary hold on funds up to thirty (30) days.

Returns and Refunds
If you are entitled to a refund for any reason for goods or services obtained with your Card, you agree to accept credits to your Card for such refunds. It may take up to seven (7) days for the amount of the refund to be credited to your Card.

International Service Fee
If you obtain your funds or make a purchase in a currency or country other than the country where your Card was purchased, the amount deducted from your funds will be converted by Visa, MasterCard or Discover. We will establish a currency conversion rate for this convenience selected by Visa, MasterCard or Discover from the range of rates available in wholesale currency markets for the applicable central processing date which may vary from the rate Visa, MasterCard or Discover receives or the government mandated rate in effect for the applicable central processing date, in each instance, plus or minus any adjustment determined by the issuer. This percentage amount is independent of any amount taken by the Issuer in accordance with these Terms and Conditions.

You should get a receipt at the time you make a transaction using your Card. You agree to retain your receipt to verify your transactions.

Our Liability for Failure to Complete Transactions
We will not be liable:
  • If, through no fault of ours, you do not have enough funds available on your Card to complete the transaction;
  • If a merchant refuses to accept your Card;
  • If an electronic terminal where you are making a transaction does not operate properly, and you knew about the problem when you initiated the transaction;
  • If access to your Card has been blocked after you reported your Card lost or stolen;
  • If circumstances beyond our control (such as fire, flood or computer or communication failure) prevent the completion of the transaction, despite reasonable precautions that we have taken;
  • If an ATM where you are making a cash withdrawal does not have enough cash;
  • Any other exception stated in our Agreement with you.
Periodic Statements
You may obtain information about the amount of money you have remaining in your card account by calling the number on the back of your card. This information, along with a limited history of account transaction, is also available online at You also have the right to obtain a limited written history of account transactions by calling the number on the back of your card or by writing us at 5501 S. Broadband Lane, Sioux Falls, SD 57108.

No Warranty Regarding Goods and Services or Uninterrupted Use
We are not responsible for the quality, safety, legality, or any other aspect of any goods or services you purchase with your Card. From time to time the Card service may be inoperative, and when this happens, you may be unable to use your Card or obtain information about your balance. Please notify us if you have any problems using your Card. You agree that we are not responsible for any interruption of service.

Your Liability for Unauthorized Transactions; Disputed transactions
You agree to safeguard the Card and treat it like cash. The Card can be replaced if it is lost or stolen, with certain restrictions. You should call the number provided on the back of your card immediately to dispute a charge or report a lost or stolen Card. You will be required to provide the purchaser's or cardholder's name, the Card number, original value, and transaction history. If you do not contact us immediately, you may lose all the money in your account (plus the maximum overdraft line of credit, if applicable). If you do not notify us within two business days after you learn of the loss or theft of your Card, and we can prove we could have stopped someone from using your Card without your permission if you had told us, you may be responsible for charges up to $500.00. We reserve the right to require an affidavit and conduct an investigation into the validity of any request. You will not be liable for transactions identified by us as unauthorized. We will charge a $5 Replacement Card Fee (subject to applicable law) for any lost/stolen Card, which will be deducted from the balance on the Card. A reissued Card may take up to 30 days to process. You acknowledge that purchases made with prepaid cards, such as the gift card, are similar to those made with cash. You cannot "stop payment" or lodge a "billing dispute" on such transactions. Any problems or disputes you may have regarding a purchase should be addressed directly with the merchant.

Other Terms
Your Card and your obligations under this Agreement may not be assigned. We may transfer our rights under this Agreement. Use of your Card is subject to all applicable rules and customs of any clearinghouse or other association involved in transactions. We do not waive our rights by delaying or failing to exercise them at anytime. If any provision of this Agreement shall be determined to be invalid or unenforceable under any rule, law, or regulation of any governmental agency, local, state, or federal, the validity or enforceability of any other provision of this Agreement shall not be affected. This Card is issued by Meta Bank pursuant to license from Visa®, MasterCard or Discover. This Agreement will be governed by the law of the State of South Dakota except to the extent governed by federal law.

Amendment and Cancellation
We may amend or change the terms of this Agreement at any time. You will be notified of any change in the manner provided by applicable law prior to the effective date of the change. However, if the change is made for security purposes, we can implement such change without prior notice.
We may cancel or suspend your Card or this Agreement at any time. You may cancel this Agreement by returning the Card to us. Your termination of this Agreement will not affect any of our rights or your obligations arising under this Agreement prior to termination.

Privacy and Data Protection
(i) Information We Collect ("Cardholder Information"): (a) Information about purchases made with the Card, such as date of purchase, amount and place of purchase (b) Information you provide to us when you apply for a Card, or for replacement Cards or when you contact us with customer service issues, such as name, address, phone number. (ii) Information Security: Only those persons who need it to perform their job responsibilities are authorized to have access to Cardholder information. In addition, we maintain physical, electronic and procedural security measures that comply with federal regulations to safeguard Cardholder Information. (iii) Disclosure: We may use Cardholder Information to provide customer services, to process claims for lost or stolen Cards, to help protect against fraud and to conduct research and analysis. In addition, it is often necessary for us to disclose Cardholder Information for the same purposes to companies that work with us. For example, we may provide certain Cardholder Information to companies that perform business operations or services on our behalf. We may also provide certain Cardholder Information to others as permitted by law, such as government entities or other third parties in response to subpoenas.

Telephone Monitoring/Recording
We may periodically monitor and/or record telephone calls between you and us to assure the quality of our customer service or as required by applicable law.

This Card is issued by MetaBank
5501 S. Broadband Lane, Sioux Falls, SD 57108

For additional support, please call the number on the back of your Card or visit

©2008 MetaBank
Catalog No. 776704-816406