GFA Federal Credit Union

Frequently Asked Questions

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Online Banking FAQ's

  • What is Manage My Money?

    Manage My Money allows you to monitor your accounts. It allows you to organize and categorize your spending so that you can see where every cent goes and make money decisions you feel good about. It also assists with establishing savings goals and following your progress so that you can stay on track.

  • What if I do not recognize my security questions?

    If you do not recognize your security questions, DO NOT move forward. Contact the Member Resource Center at 978-632-2542.

  • What if I forgot my Online User ID?

    Contact GFA Federal Credit Union Member Resource Center at 978-632-2542

  • Why should I notify the Credit Union about my travel?

    When leaving your normal spending area it is good practice to notify us of your travel plans so a note can be made on your account, ensuring your Debit/ATM card(s) remain active.

  • Why was online access to my account locked?

    In order to protect your personal account information from unauthorized users, we only allow a certain number of failed attempts when entering your User ID, Password and/or security questions. If you happen to exceed these attempts, your account access will be locked. If you have been locked out of your online banking contact the Member Resource Center at 978-632-2542.

  • What is the difference between the current and available balance?

    The available balance displayed on your deposit accounts includes your current balance minus any holds that you may have. Your available balance displayed does not include savings overdraft, unused reserve credit and assigned overdraft privilege limits. The available balance displayed on your loan accounts is the amount of the funds available for your use.

  • What is the question mark next to my transaction in my Account Activity?

    To the right of each transaction displayed on the Account Activity page is a question mark that serves as a link to send a secure inquiry to GFA Federal Credit Union regarding the transaction in question. A transaction inquiry box will open displaying the account, transaction, transaction date, and amount. A message box is included to allow you to detail your question. A representative from our Member Resource Center will review and respond to your message accordingly. A response to a transaction inquiry will be seen in your Secure Messages Center Module when you login to online banking. When you initiate your inquiry, you can check the box to be notified via the email address you provided when a response is received.

  • What is the difference between person to person and bank to bank?

    Our GFA Federal Credit Union Person to Person Account Transfer service enables you to transfer funds to other individuals with accounts at GFA. Our Bank to Bank Transfer service enables you to transfer funds from your accounts at other financial institutions. For more information on this topic please refer to, Important Information about Transfers.

  • How do I place a Travel Notification?

    Click the Card Service Center tab. Within the module you will then click Notify GFA Federal Credit Union of My Travel Plans.

  • Why am I sometimes asked to verify my identity?

    In some instances, GFA Federal Credit Union may require an additional level of security. During this time you will be asked to verify your identity. This is meant to act as another level of security for your protection.

  • How do I change the nickname on an account?

    To change your account nickname, click on the Change Account Nickname link under the Accounts tab. Select the account you wish to change the name of by clicking on: Select an Account menu and then clicking submit. In the Account Nickname section, click Change. An Account Nickname popup window will appear. Input your new nickname and press save.

  • How do I place a stop payment on a check?

    Under the Banking Service Center tab, you will locate Stop Payment on a Check within the Account Services section. Fill in the required information and click Submit.

  • How do I cancel a scheduled Bill Pay?

    To cancel a scheduled Bill Pay, click Cancel next to the desired transaction or call the Member Resource Center at 978-632-2542.

  • How can I find the interest earned on my account?

    The Account Detail module located in the right side column of the Account Activity page displays information such as the Interest Rate, Previous Year Interest, Year to Date Interest and Last Interest Amount. Simply select the interest bearing account you wish to inquire upon from the drop down and press search.

  • How does GFA Federal Credit Union Person to Person work?

    Our Person to Person Account Transfer Service enables you to transfer funds from your personal checking or savings accounts at GFA Federal Credit Union to personal checking or savings accounts owned by another individual at GFA Federal Credit Union when you are not an owner on that destination account. For more information, refer to Important Information about Person to Person Account Transfers.

  • How do I set up a recurring payment?

    GFA Federal Credit Union loan payments can be scheduled under the Transfer Funds tab or the Pay My Bills tab. If you use Pay My Bills, simply click on Loan Payments from the submenu. By changing the Scheduling Option from immediate to recurring, you can determine the frequency and length of your recurring payment.

  • Why did my transfer fail?

    There are several reasons a transfer might fail. Typically, transfers will fail due to insufficient funds in the account you are trying to transfer from. If you find that funds are available, contact our Member Resource Center at 978-632-2542.

  • Where can I get login assistance for Online Banking?

    For login assistance you can contact GFA Federal Credit Union Member Resource Center at 978-632- 2542.

  • How do I sign up for eStatements?

    To gain access to your eStatements, go to the eDocuments tab. You will be presented with the Terms & Conditions. Once read, click on eDocuments. You will be brought to the eStatements page where you can view all of your monthly statements. You will receive a monthly email letting you know when your newest eStatement is available for viewing.

  • Can I update my Password?

    Yes. Select the Banking Service Center tab and in the Online Security area, select Change Password.

  • How do I remove an account from my online banking profile?

    Accounts can be removed from your online banking profile by contacting our Member Resource Center at 978-632-2542 or by sending a secure message from your online banking profile account.

  • How do I deactivate/reactivate my ATM/Debit card?

    If you have lost, misplaced, or had your GFA Federal Credit Union Debit/ATM MasterCard stolen or you believe that you have unauthorized transactions posted to your account, you now have the ability to disable your card immediately by simply clicking on the Deactivate button for the corresponding card on the Activate/Deactivate my ATM/Debit card page, found under the Card Service Center tab. If you happen to find your card after you have already deactivated it, you can reactivate it by simply clicking the Reactivate button. If your card is truly lost or stolen you must contact us at 978-632-2542 to cancel the card.

  • What is an eBill?

    eBills through Bill Pay is the presentment of your electronic bills directly within the Bill Pay system.

  • How do I delete a scheduled payment?

    Recurring and future-dated transfers/payments display in your Scheduled Transfers module under the Transfer Funds tab. To delete, simply click the red X on the right of the row you wish to stop.

  • Can I update my Online User ID?

    Yes. Select the Banking Service Center tab and in the My Profile area, select Change User ID.

  • When using Bill Pay, when will the funds be withdrawn from my account?

    Funds will be withdrawn from your account when the payment is negotiated or received by the payee.

  • How does the Bank to Bank feature work?

    Our Bank to Bank Account Transfer Service enables you to transfer funds from your personal accounts at other financial institutions to your personal accounts at GFA Federal Credit Union.  For more information, refer to Important Information About Bank to Bank Account Transfers.

  • How do I update or change my security questions?

    Select the Banking Service Center tab and in the Online Security area, select Change Security Profile.

  • How do I add, delete, or edit a payee?

    Go to the Pay My Bills tab.  To add a new payee click the "Add a company or person" link.  To edit or delete a payee, click on the payee name, adjust fields as needed or click "remove *payee name*" to delete.

  • How do I set up Real Time Alerts?

    Alerts are located under the Mobile Banking section of the Banking Service Center tab. To begin, select the alert that you wish to activate and press Continue. Select which account you wish the alert to be set for, and click submit.

  • What if I forgot my Password?

    If you forgot your password, click on the Forgot Password link located on Password screen. You will then be asked to enter information to identify yourself before being allowed to choose and confirm your new password.

Mobile Banking FAQ's

  • Is it Secure?

    Yes, the Mobile Banking service utilizes best practices from Online Banking, such as HTTPS, 128-bit SSL encryption, registration authentication questions, access with a User ID and Password, security authentication questions, and application time-out when your mobile device is not in use. Only the mobile devices that you personally enroll in the Mobile Banking service can access your accounts. In addition, no account data is ever stored on your mobile device. In the event your mobile device is lost or stolen, the service can be immediately disabled by contacting a GFA Federal Credit Union Customer Service Representative at 978-632-2542.

  • How much does this service cost?

    GFA Federal Credit Union Mobile Banking is free, however, there may be charges associated with text messaging and data usage on your mobile device. Check with your wireless device carrier for more information.

  • Which wireless carriers are supported?

    We support all the popular U.S. wireless device carriers, including Alltel, AT&T, Sprint, T-Mobile, U.S. Cellular, Verizon and Virgin Mobile. If your mobile carrier is not listed when you enroll, select "Other" and try the Mobile WEB option, or check back later, as new carriers will be added over time.

  • Do I need to have Online Banking to use Mobile Banking?

    You do not need to be an Online Banking customer to take advantage of the Mobile Banking services.

  • Do I need a text message or data plan with my wireless carrier?

    A text messaging and/or data plan is highly recommended, as text and data usage can become expensive without them. If you do not have a data plan, please check with your wireless carrier for more information regarding these services. Please note that you are responsible for any charges incurred from your wireless provider.

  • I'm enrolled for Online Banking. Can I use my Online Banking login credentials for Mobile Banking?

    You must complete the Mobile Registration process and create a Mobile User ID and Password. For ease of use, if you are already enrolled in GFA Federal Credit Union Online Banking, you may choose to register with the same User ID and Password for Mobile Banking, provided it has not already been selected by another Mobile Banking user.

  • Activation is a one-time process that helps ensure your security. After you enroll a mobile device for Text Banking on the Mobile Banking Center website at https://secure.myvirtualbranch.com/gfafcu3715/RegistrationDisclosure.aspx , you will receive an activation code which will be required to begin using Text Banking on your device. We recommend you print your activation code and installation instructions for easy reference during installation. For Mobile Web or downloadable applications, activation in Mobile Banking occurs the first time you sign on to Mobile Banking with your mobile device. You will be asked to provide your User ID and Password, answer security challenge questions, and choose to select remember this device.

  • How do I sign up for Mobile Banking?

    All users are required to register for a User ID and Password in order to access Mobile Banking. To register and enroll from your mobile device go to http://www.gfafcu.com/m on your mobile browser, click Sign In and select the New User? Register Now link. Once you have registered go back to http://www.gfafcu.com/m to enroll and activate your device by entering the User ID and Password created when you registered along with your security challenge question responses. You will then be required to provide your mobile device number. You will only be required to input your mobile device number during the enrollment process for any of the Mobile Banking services. Once done, you can start using Mobile Banking. Additionally, you can register and then enroll your device online by visiting https://mb.ezfin.com/enroll/site/enroll?ficode=cocc1029 and following this 2 step registration and enrollment process. Then, on your mobile device, go to http://www.gfafcu.com/m enter the User ID and Password you created when you registered along with your security challenge question responses to activate and start using Mobile Banking services. SMS Text Mobile Banking requires that you enroll your device by requesting a one-time activation code. To obtain one, go to https://mb.ezfin.com/enroll/site/enroll?ficode=cocc1029, enroll your device and sign up for Text Banking after you have completed the registration process.

  • What is Mobile Registration?

    Mobile Registration is the process that assists in the creation of credentials for access to GFA Federal Credit Union Mobile Banking services. You will walk through a series of steps to verify your identity, select and provide answers to security challenge questions, and create a User ID and Password.

  • What is Mobile Banking?

    Mobile Banking gives the ability to access account information using 3 different options depending on your preference and the capabilities of your mobile device:

    1. Via the browser (Mobile WEB) on your mobile device,
    2. Via the Mobile downloadable application (APP) for the iPhone and Android,
    3. Via Mobile Text Banking. Both the browser and application options allow you to: view account balances or recent account activity, transfer funds, and find the nearest ATM or branch locations. The Text Banking option allows you to obtain account balances and view recent activity.
  • How do I access Mobile Banking on my mobile device browser?

    After successful enrollment, your device will receive a text message with your Mobile Banking URL. You can visit the site at any time at http://www.gfafcu.com from your mobile device's browser.

  • Does GFA Federal Credit Union have an app for my mobile device?

    Yes, GFA Federal Credit Union has custom apps for the iPhone and Android devices.

  • Can I use Mobile Banking at any time?

    Yes, Mobile Banking is available 24 hours a day, 7 days a week.

  • How do I optimize my mobile web experience?

    For optimal experience with the GFA Federal Credit Union Mobile Service you may want to:

    1. Ensure your mobile device 's browser allows https:// access and has cookies and java script enabled,
    2. Enable style sheets on your browser
    3. GFA's website is optimized for mobile browsing gfafcu.com
  • Is Mobile Banking supported on my mobile device?

    Mobile Banking is supported on most devices with a mobile web browser that supports cookies. In addition, the downloadable application is supported on most iPhone and Android devices. Mobile Banking does not support Blackberry or Windows based devices.

  • How do I install the downloadable application?

    All users are required to register for a User ID and Password in order to access Mobile Banking. To register and enroll from your mobile device go to http://www.gfafcu.com on your mobile browser, click Sign In and select the New User? Register Now link. Once you have registered go back to http://www.gfafcu.com to enroll and activate your device by entering the User ID and Password created when you registered along with your security challenge question responses. You will then be required to provide your mobile device number. You will only be required to input your mobile device number during the enrollment process for any of the Mobile Banking services. Once done, you can start using Mobile Banking. Additionally, you can register and then enroll your device online by visiting https://secure.myvirtualbranch.com/gfafcu3715/RegistrationDisclosure.aspx and following this 2 step registration and enrollment process. Then, on your mobile device, go to http://www.gfafcu.com enter the User ID and Password you created when you registered along with your security challenge question responses to activate and start using Mobile Banking services. SMS Text Mobile Banking requires that you enroll your device by requesting a one-time activation code. To obtain one, go to https://secure.myvirtualbranch.com/gfafcu3715/RegistrationDisclosure.aspx, enroll your device and sign up for Text Banking after you have completed the registration process.

  • How do I change my Mobile Password or Security Questions?

    Access the Mobile Banking homepage at http://www.gfafcu.com. Select Manage Login Information to change your password or security questions.

  • What if I forget the answer to my security question?

    On your Mobile Sign In screen, select the Manage Login Information link. Select the "Forgot Logon Information?" link. 
    For your security, you must

    1. verify your identity by answering the initial registration questions,
    2. reset your security questions and
    3. create a new password.
  • What if I forget my password?

    On your Mobile Sign In screen go to Manage Login Information. Select the "Forgot Logon Information?" link. 
    For your security, you must

    1. verify your identity by answering the initial registration questions,
    2. reset your security questions, and
    3. create a new password.
  • What if I forget my User ID?

    On your Mobile Sign In screen go to Manage Login Information. Select the Forgot Logon Information? link. 
    For your security, you must verify your identity by

    1. Answering the initial registration questions,
    2. Reset your security questions and
    3. Your User ID will be presented on the Reset Password Screen. Click cancel once your User ID has been obtained or reset password and continue if you forgot your password and need to reset.
  • What is Mobile Registration?

    Mobile Registration is the process that assists in the creation of credentials for access to GFA Federal Credit Union Mobile Banking services. You will walk through a series of steps to verify your identity, select and provide answers to security challenge questions, and create a User ID and Password.

  • What is Text Banking?

    Text Banking gives you access to your accounts via text (SMS) messages on your device. It's a fast, easy way to look up account balances or recent account history by sending a text command to a shortcode.

  • What is the shortcode for GFA Federal Credit Union

    All text messages should be sent to 58473

  • Can I use both Text Banking and Mobile Banking on my mobile device?

    Yes, you can use both options from the same mobile device. To do so you will need to activate each option on your mobile device prior to use.

  • Can I use Mobile Banking or Text Banking on more than one phone?

    Yes, visit the Mobile Banking Center and simply add another phone number.

  • Is Text Banking supported on my mobile device?

    Text Banking will work on any text message (SMS) capable mobile device from one of our supported carriers.

  • Will I receive unsolicited text messages? No, you will only receive messages when you specifically request them with one of the Text Banking commands.

    No, you will only receive messages when you specifically request them with one of the Text Banking commands.

  • What are the Text Banking commands?
    FUNCTION COMMAND DESCRIPTION
    Balance B Summary of available balances for all accounts
    History H Summary of recent transactions per account
    Command C List of available Text Banking commands
    Help HE Help content for Text Banking
    Login L Receive a URL for the GFA Federal Credit Union Mobile Browser website
    Stop S De-activate all GFA Federal Credit Union text services
  • I enrolled my mobile device number but did not receive a text message. What should I do?

    Typically you should receive a text message within a few minutes after enrolling; however, sometimes mobile carriers experience delays that slow down text message delivery. While waiting, make sure your mobile device has a wireless signal. In addition, be sure you entered the correct mobile device number on the enrollment site. If you still do not receive it, contact your wireless carrier to be sure text messaging is enabled on your mobile device.

  • I received an activation code but never used it. What do I do now?

    The activation codes expire after 24 hours. If you need a new one, return to the Mobile Banking Center and request a new activation code.

  • What happens if I get a new mobile device or change mobile device numbers?

    If you get a new device or change device numbers, be sure to return to the Mobile Banking Center online and update your device profile. We recommend removing your old device and re-enrolling your new device.

  • Can I use Mobile Banking or Text Banking on more than one mobile device?

    Yes. Visit the Mobile Banking Center online and simply enroll another mobile device number.

  • I selected "Remember this device…" when I enrolled and activated, why am I being asked to answer my security question(s)?

    This may be due to your cookies. When you enroll and activate your mobile device, a cookie is stored on its browser which allows the Mobile Banking system to remember that you activated. The cookie is only visible by the Mobile Banking system and does not contain any personal information. Some mobile devices may require you to enable cookies or periodically erase them. If you do not have cookies enabled or you have recently erased your cookies, you will be required to answer your security questions. Check your mobile device settings to ensure that cookies are enabled. If cookies are enabled and the issue persists, please contact your mobile provider for cookie support information on your mobile device. Additionally, for added protection, there may be cases where Mobile Banking will request you answer a security question again even though you selected to remember this device. This is for added protection in the case where other security policies trigger the system to request you answer the questions again. If you need assistance please contact a Customer Service Representative at 978-632-2542.

  • I lost communication/signal during a transaction?

    If you do not receive a confirmation message due to a lost signal, you may verify a transaction by logging back into Mobile Banking. If you need assistance please contact a Customer Service Representative at 978-632-2542.

  • How do I securely leave my Mobile Banking browser session?

    Select the Sign Off link to sign out of Mobile Banking and then close your browser through your mobile device browsing options. If you are using a downloadable app, click on sign off to stop your Mobile Banking session.

  • Can someone intercept my Mobile Banking transactions?

    The 128-bit SSL encryption protects your information as it travels from your mobile device to GFA Federal Credit Union. The 128-bit SSL encryption technology is the same encryption that safeguards Internet traffic for secure web applications.

  • What are some tips to keep my Mobile Banking experience safe?

    Here are some tips and general good practices for banking on your mobile device:

    • Download and apply security updates and patches to your mobile browser when they are made available by your wireless provider. These are designed to provide you with protection from known possible security problems
    • To prevent viruses or other unwanted problems, do not open attachments from unknown or untrustworthy sources
    • Do not install pirated software or software from unknown sources
    • Limit unauthorized access to your mobile device. Do not leave your mobile device unattended during an open Mobile Banking session
    • Never save your User ID and Password in the mobile device, in memos, or anywhere on your device
    • Always remember to log off properly using the "Sign Off" button when you have completed your Mobile Banking activities
    • Be aware of the potential for fraudulent Mobile Banking apps
  • Is Mobile Banking as secure as other online services provided by GFA Federal Credit Union?

    Mobile Banking offers the same security features and protection as our other online services, including encryption, and security questions. Mobile Banking users are protected by:

    • Firewall systems and intrusion detection software
    • Encryption of sensitive information that protects information sent over the Internet
    • Internationally recognized security standards and industry best practices
    • Profile and Password security

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