Scam Alert


Recently, some card issuers and financial institutions have noticed increased attempts by fraudsters to hack the CVV/CVC codes on compromised debit cards to commit ATM fraud.
Learn more


Do You Read GCFlash?

If not, here's what you missed the past few issues:

  • The Price of Freedom
  • War and the Economy
  • Get It Direct!
  • Sit Still, Stay Fit
  • Financial Insights

There's something for every interest! Subscribe today to have GCFlash delivered to your inbox every Tuesday.




Fast Access



CBS 3 On Your Side

GCF Earns Perfect Score of 100 for Overall Service!
Read the CBS 3 Review
Read the Checkbook.org Rating

Disclosures and Product Terms


Looking for the "small print?" At GCF, we don't hide vital information. Here are quick links to our policies, guidelines, terms and regulations.

PRIVACY POLICIES


Our Privacy Policy describes the methods we use to protect your personal information.

The Children's Online Privacy Protection Act (COPPA) prohibits unfair or deceptive acts to collect personally identifiable information on children under the age of 13. Here's how we comply.

GCFlash is our weekly e-newsletter full of consumer news, financial and economic information and technology reports. Here's our privacy policy.


GENERAL


The U.S. Patriot Act was established to detect and freeze accounts used to fund terrorist groups. This policy explains how we accomplish that.

GCF assesses fees for certain functions or transactions. Here's where you'll learn exactly what they are.

Here are your rights and responsibilities when using our Electronic Funds Transfer services.


TERMS AND CONDITIONS


You agreed to certain terms and conditions before using GCF Online Banker. Here's another copy for your continued reference.

Certain terms apply to your VISA Check Card/ATM Card. Find them here. You can click here for the cardholder agreement.

Our CyberSavings products are electronic savings accounts offering the opportunity for higher yields than traditional savings products. Certain rules and restrictions apply. Learn what the terms are for our original CyberSaver, CyberSaver Supreme and CyberSaver Gold.

With Cyber CDARS, your funds are FDIC insured up to $50 million! Here are the terms.

Learn the terms and conditions for Visa Gift Cards here.


DEPOSIT ACCOUNT POLICIES


How long do we hold a check you've deposited before it's available for use? Find out here.

Federal law permits banks to replace original checks with substitutes to speed up processing time. This disclosure describes your rights with substitute checks.

GCF offers a savings plan for every need. Here's a list of our products with all the information you need to choose the right one for you.

CDARS account holders need to complete a Deposit Placement Agreement. Here's another one in case you had trouble printing the original.

This page describes all of our checking account products.


MORTGAGE PRODUCTS


This guideline describes the models we use when processing your mortgage application.

Here's the information we'll need when you apply for a mortgage with us.

This page lists the documents you'll be asked to provide when applying for a Home Equity Loan.

Federal law requires us to give Home Equity Line of Credit applicants a copy of The Federal Reserve Board's brochure entitled What you should know about Home Equity Lines of Credit. Find it here.

Federal regulation mandates that the Office of Thrift Supervision (OTS) evaluate our ability to meet the credit needs of this community consistent with safe and sound operations. Here's how you can participate.

We do business in accordance with Federal Fair Lending Laws. This policy describes your rights under this law.

The Fair Credit and Accounting Act requires that we obtain your consent before we can research your credit history, and your confirmation that the information you provided is accurate. This page shows what you're agreeing to.

The Home Mortgage Data Act data, detailing geographic and demographic about our residential mortgage lending applicants and borrowers, are available for review. Here's how to obtain this information.


Other Important Information


FDIC Insurance
Home Equity Lines of Credit
Office of the Comptroller of the Currency
U.S. Department of Treasury