|GCF ONLINE BANKER|
|Q: What do I need to sign up? |
|A: All you need to have is an account number available and an e-mail address.|
|Q: How do I sign up for GCF Online Banker? |
|A: Getting signed up on GCF Online Banker is as easy as 1...2...3:
Get ready to experience the convenience of GCF Online Banker!
- Log onto our website.
- Click on First Time Login and fill in the required information. Complete instructions are included on the screen.
- Your Access ID and password will be mailed separately for your security. When you receive them, complete the enrollment process
- Log in with these items. You will then be asked to change your Access Id and password.
|Q: I am not able to enroll or login. What should I do/check? |
|A: First Time Users - If you are having problems enrolling, check to make sure all the information is correct. Your Social Security Number should not include any dashes. Enter your 10-digit Account Number exactly as it appears on your statement (ex: 0100999999), adding "0" (zero) in front for a full 10-digit entry. Your First and Last names. Make sure to complete all required fields.
Login - If you are not able to login, make sure you entered your Access ID in the same way you sign up with. Make sure your password is entered correctly. Remember your Access ID and password are both case sensitive.
If you still encounter a problem, call customer service at (856) 589-6600 ext. 300.
|Q: I've been using Online Banker for sometime but can't login since upgrading to Internet Explorer 9. What should I do?|
|Issues have been identified where Internet Explorer 9 users must change their settings to login into Online Banker. The easiest fix is to run your browser in Compatibility View. You'll see an icon that looks like a torn sheet of paper near your address bar. Click on it and your problem should be solved.|
|Q: What should I use as my Access ID and password? |
|A: While GCF cannot tell you what to use as an Access ID and Password, we do recommend that you use something known to you only. Do not use birthdates, telephone numbers, social security numbers or any other combination that would be easily figured out by someone that is unauthorized to access your account online. Use a combination of upper and lower case letters, numbers and special characters where allowed for your strongest protection.|
|Q: I forgot my password - now what? |
|A: If you forgot your password please call (856) 589-6600 Ext. 300. A customer service representative can reset your account and have you back online in no time!|
|Q: Will I be able to change my Authentication Image?|
|A: A default image will be provided to you at enrollment, and you must keep this selection initially. You will then be able to change your Authentication Image after completing the enrollment process. When logged in, select the "Options" button and in the following screen, select the "Edit" button in the "Security Data" section. You will be able to select from a library of thousands of images.|
|Q: I sometimes access Internet Banking from a public computer, such as at an Internet cafe or at work. Can I still use those types of computers to do my Internet Banking?|
|A: Yes, you can continue to use public computers to access Internet Banking. As part of your enrollment in the Layered Authentication process from your home computer (or other non-public computer you regularly use), you will complete a series of challenge questions. If you need to access Internet Banking from a non-public computer, you will be provided with an additional confirmation process using the challenge questions, and then will be granted access to the system. |
|Q: Am I required to enroll in Layered Authentication?|
|A: Yes, we are requiring all Internet Banking users to enroll in Layered Authentication for their security. We're confident that you will find the process easy to use and convenient.|
|Q: How does the Authentication Image protect me?|
|A: The Authentication Image that is presented to you is verification that you are accessing our legitimate Internet Banking site. By presenting the Authentication Image and passphrase that you established during the enrollment process, we are providing an assurance to you that your activity has not been redirected to a fraudulent site where your login credentials could be compromised.|
|Q: Why should I register my computer?|
|A: Each computer has a unique set of characteristics, similar to a fingerprint. By registering the computer, its unique set of characteristics will be stored by Internet Banking and used as additional validation criteria during subsequent logins. If you choose not to register a computer, you will be presented with a different validation process consisting of challenge questions/answers. Thus, we encourage you to register your computer and make for a more convenient, yet secure, login process.|
|Q: Is there a limitation on the number of computers I may register?|
|A: There is no limit on the number of computers you may register. |
|Q: What happens if I enter my password incorrectly 3 or more times? |
|A: If you enter your password incorrectly 3 or more times, you will get an error message indicating "Invalid Customer Security Code." You will be unable to access Online Banker. Please call (856) 589-6600 Ext. 300 to reactivate your account. |
|Q: Are GCF personnel able to obtain my password? |
|A: No. Your password is completely confidential. GCF personnel do not keep any password information on file.|
|Q: Is anyone else able to view my account information? |
|A: No. The only way another person can view your account information is if they have your Access ID and Password. We recommend that you do not share this information with anyone.|
|Q: Why should I bank Online?|
|A: GCF Online Banker is not only safe but also has many different features right at your fingertips. Some of our features include:
- 24/7 banking - Anywhere, anytime!
- Pay your bills
- View Account Summaries - Combined account history in one glance!
- Check your register balance - Confirm that you've posted every debit card transaction!
- View your statement summary - Know on the spot if your check has cleared!
- View cancelled checks - Get the endorsement information immediately!
- Transfer funds - Move money from one account into another with the click of a mouse!
|Q: Does it cost anything to bank Online? |
|A: No. GCF Online Banker is free of charge. However, fees may apply for specific features as noted. |
|Q: Where do I find the link to pay my bills in GCF WebPay? |
|A: After you login to Online Banker, choose the checking account you use to pay your bills. You'll see the Bill Payment link right below the menu buttons. |
|Q: Am I able to transfer money between different banks? |
|A: No. GCF Online banker only allows you to make transfers between open accounts at GCF Bank.|
|Q: If I open another account after I sign up for Online Banking, will I be able to access that account also? |
|A: Yes. GCF Online Banker is linked to all your accounts by household. As long as your new account is associated with your social security number, you will be able to see it immediately.|
|Q: How do I make deposits into my accounts? |
|A: GCF Online Banker does not allow you to make deposits into your account online. However, for your convenience, consult your employer about direct deposit. |
|Q: Can I transfer funds into/from passbook account? |
|A: No. Under Regulation E, the only electronic transfer that can be made on passbook accounts are preauthorized credits, such as direct deposit. However, if you would like the convenience of transferring money between these accounts online, you may convert your passbook savings into a statement savings account. See your local branch for more details. |
|Q: Into what formats can I download my transaction search history? |
|A: GCF Online Banker supports downloads to Quicken®, QuickBooks®, Microsoft Money® or as a comma-delimited text file.|
|Q: I need additional help or have questions? Who should I contact? What information should I include in my e-mail? |
|A: For general information please contact Ellie, your Electronic Banker, at email@example.com. Please try to explain, in detail, your issues of concern. But do NOT include any sensitive information in your e-mail. For specific account questions or issues please call (856) 589-6600 Ext. 300. |
|Q: Can CyberSaver accounts be opened on the phone or through the mail?|
|A: No, the application process has been created to check consumer information during the application. This protects you from identity theft by verifying customer information with a soft credit check. |
|Q: I couldn't print out my signature card. What do I do?|
|A: You can print another one directly from our Web site. From the Online Services menu, choose "CyberSaver/CDARS Signature Card" from the Form Center. It includes mailing instructions. |
|Q: How is the account funded? Can I use a checks, cash or money order? |
|A: CyberSaver accounts are only opened using electronic transfers setup toward the end of the account application. Applicants will only need to supply the name, routing number and their account number at the funding bank. |
|Q: After opening the account, are you able to withdraw or deposit funds from accounts in other banks on the website?|
|A: These electronic transfers, typically called ACH transfers, cannot be initiated by GCF. However, customers can debit or credit their account by initiating these transfers from other financial institutions without charges from GCF.|
|Q: Are CyberSaver accounts federally insured?|
|A: Yes, each account owner is insured up to $250,000 for each account; i.e., if an account is opened with a spouse, the account will be insured up to $500,000. |
|Q: Can I open a CyberSaver account using a trust or beneficiary ownership?|
|A: While this ownership cannot be used for a CyberSaver Supreme or CyberSaver Gold account, it can be used for the regular CyberSaver account with the 90-day introductory rate. Applicants attempting to open an account with the trust ownership must first open the account under their name. Once the account is opened, the trust information must be sent to the Electronic Banking department, where a Change by Assignment form will be created and sent to the customer. All applicable parties will then be required to sign, notarize and return the document to GCF. |
|Q: When is the interest posted to CyberSaver accounts?|
|A: Interest is posted monthly to the CyberSaver Supreme and CyberSaver gold accounts, and quarterly to the regular (promotional) CyberSaver account. |
|Q: How do I close a CyberSaver account? Are there any fees associated with closing the account?|
|A: A written request that includes the account holder's name, account number, directions to close the account and the signature are required to close CyberSaver accounts. These can be sent to the Electronic Banking department through fax or mail. No fees are associated with closing the account, unless the customer would like to have the funds transferred from the account by Wire.|
|Q: How many CyberSaver accounts am I able to open?|
|A: CyberSaver accounts are designed to be opened at the customer's convenience, however, security parameters allow only up to two accounts be applied for within three days of each other. |
|Q: If you are an existing CyberSaver account holder, are you able to have your account changed from a regular CyberSaver to a CyberSaver Supreme account without reapplying?|
|A: No, because the CyberSaver, CyberSaver Supreme and CyberSaver Gold are different GCF products with different terms and conditions, customers are required to reapply for a new account. Funding for the new account - whether it is a regular CyberSaver, CyberSaver Supreme or a CyberSaver Gold - can be established using the existing CyberSaver account.
|Q: Do I need to have a particular Internet browser to view GCF Online Banker? |
|A: No. GCF Online Banker is compatible with most popular Internet browsers. Your Internet browser must support 128-bit encryption. Such browsers include: Microsoft Internet Explorer® Version 5.5 or higher or Mozilla Firefox®. We do, however, recommend that you use the current version of Microsoft Internet Explorer® for optimal results. You may experience viewing problems with a browser earlier than Internet Explorer 7.|
|Q: I can't see all of the information on my screen. What should I do? |
|A: GCF Online Banker, as with all of www.GCFBANK.com, is best viewed using a 1280 x 800 screen resolution. This is the current Internet standard. To select this setting, open Control Panel and choose Display Settings. Select the Settings tab to change your screen resolution. |
|Q: What is 128-bit data encryption? |
|A: Encryption is the process of converting information into a more secure format for transmission. In other words, the plain text is converted to scrambled code while being transmitted, and then decrypted back to plain text at the receiving end of the transmission. It is comparable to writing a letter, converting it to code, putting it in an envelope and mailing it with the recipient descrambling the code. |
|A:Currently, there are 2 levels of encryption generally available in web browsers: 40-bit encryption and 128-bit encryption. The 128-bit browser offers the highest level of encryption generally available in North America today and provides the best protection when transmitting confidential data over the Internet. 40-bit encryption means there are 240 possible keys that could fit into the lock that holds your account information. That means there are many billions (a 1 followed by 12 zeroes) of possible keys. With 128-bit encryption, there are 288 (a three followed by 26 zeroes) times as many key combinations than there are for 40-bit encryption. That means a computer would require exponentially more processing power than for 40-bit encryption to find the correct key.|
|A: Yes. "Cookies" are files that some Internet companies or online services use to store configuration and user preference information on your computer. We use cookie files to maintain your Account identity as you move from page to page. The cookies these cookies are stored in your computer's temporary memory, they are deleted when you sign off or when you close your browser. |
|Q: What do I do if I am having problems printing my account information? |
|A: If you are having problems printing your account information you may need to adjust your printer properties. You can do this by clicking File >> Page Setup, adjust your margins accordingly, and click OK.
|Q: Is my mortgage application fee refundable?|
|A: No. |
|Q: Can I have a copy of my appraisal? |
|A: Yes! We need a written request that is signed, dated and includes the property address. |
|Q: If the rates go down after I apply can I get the lower rate? |
|A: Your rate is locked when the application is received. If the rate decreases for the type of loan for which I have applied, GCF will honor the rate published 10 calendar days before settlement.|
|Q: Should I have an attorney at settlement? |
|A: GCF Bank does not require that you have attorney present at settlement for a purchase or refinance. |
|Q: Should I have a home inspection? |
|A: It is a good idea to have a home inspected. The inspector will determine the condition of many parts of the home and provide you with a written report as to the overall condition of the home|
|Q: Are there any fees for a Home Equity Loan or Home Equity Line of Credit? |
- There is a mortgage recording fee that may range from $36.00 to $126.50 based on the local municipality and state where the property is located.
- Loan closings can take place anytime, anywhere! However, if you do not close in a GCF branch office, there is a closing fee of $150.00.
- GCF will order an Automated Property Evaluation (AVM) at NO CHARGE. However, if a drive-by appraisal is needed in order to obtain the necessary value or if the customer requests one, an appraisal fee ranging from $150.00 to $225.00 will be assessed. If a drive-by appraisal is necessary, GCF will contact the customer before proceeding.
- There is an early account closure fee of $250.00 if a loan is paid off within 12 months of the date the account was opened.
|Q: How long will it take to have my Home Equity Loan approved? |
|A: Approximately one to two business days. |
|Q: How much can I borrow on a Home Equity Loan? |
|A: Up to 80% of our Automated Property Evaluation (AVM), less the balance on your first mortgage.|
|Q: Are all checks now considered local with the new check clearing policies?|
|A: As of 2/27/2010, there are no longer any non-local checks. A hold can still be placed on a large deposit for a maximum of seven business days rather than eleven as with the previous policy.|
|Q: When ordering checks online, I get the error message "We are unable to locate a previous order for this account." Why do I get this message?|
|A: This message will display for a couple of reasons:
- Your account number is incorrect. For check ordering purposes only, the 2-digit cycle code must be added to your account number. See Reorder Page for a description.
- You have not ordered checks in the past 24 months. If this is the case, you'll need to order checks from your local branch so that your information can be re-entered.
- You previously ordered checks from a vendor other than Harland. If you order checks from another vendor, such as Deluxe, you will not be able to reorder them through Harland. You'll need to visit your local branch or the vendor's website to reorder checks.
|Q: When ordering checks online, I get the error message, "You have entered an invalid Check Starting Number," but I know this the right number.|
|A: If you are using the number off of one of your checks, make sure you use the number following the last check you have in your box as your next starting number. If you're certain you're using the correct number, contact your local branch for further assistance. |
|Q: I tried everything and I still can't get it to work. What do I do? |
|A: If you're still having problems, contact your local branch.|
|Q: I have a check that is not payable to me. How should I endorse it for deposit into my account? |
|A: First the party that this check is issued to must endorse it. Next, this same party must write Pay to the order of (your name). The last step is your written signature with your account number. This check is now ready for deposit. |
|Q: I will be 70 1/2 this year. When will I need to begin taking distributions from my Traditional IRA? |
|A: You must have taken your first Minimum Required Distribution by April 1 of the year following the year you turned 70 1/2.|
|Q: How often may I rollover my IRA? |
|A: IRS Publication 590 states that if an individual rolls over assets from one IRA to another IRA, those same assets may not be rolled over again within a 365-day period.|
|Q: How much may I contribute each year to my IRA? |
|A: For 2011, an individual under the age of 50 may contribute up to the lesser of $5,000 or 100% of taxable compensation to a Traditional IRA and a Roth IRA. |
|Q: What is not considered earned income? |
|A: The following is not considered earned income: Disability insurance, Child Support, Unemployment compensation and Stipends, Interest from savings, Dividends, Rental income, Social Security, and Pension. |
|Q: What if I have earned income and I am over 50? |
|A: As of 2010, an individual age 50 or older may contribute up to the lesser of $6000 or 100% of taxable compensation to a Traditional IRA and a Roth IRA. The extra $1000 is called a "Catch-up Contribution."|
|Q: I have a Roth IRA and a Traditional IRA. May I contribute $4,000 to both IRA's? |
|A: No, for the purpose of the contribution limit, Traditional IRA contributions and Roth IRA contributions are aggregated.|
|Q: Will the contributions limit change in the coming years? |
|A: Yes, in 2010 and after the contribution limit will be $5000 plus a cost of living adjustment (COLA). An individual age 50 or older may contribute $6000 plus COLA. |
|Q: May I contribute to my IRA when I am over 70 1/2 if I am still working? |
|A: You may not contribute to a Traditional IRA after you reach the age of 70 1/2, however, you may contribute to a Roth IRA after the age of 70 1/2. |