DISCLOSURES
MEMBERSHIP R
EMAIL DISCLOSURE
GCEFCU wants to ensure the online protection of your personal and account information. Please note:
- GCEFCU will not ask you to submit personal or account information via email.
- For your protection, any email sent from GCEFCU including member service emails or email alerts will require that you successfully login to our secure home banking site before entering any personal information.
- If you ever receive an email appearing to be from GCEFCU that asks for personal information such as your account number or social security number, do not respond to the email and notify the credit union immediately.
FEE SCHEDULE
Effective 08/01/2019
Check Draft Fee: $0.00 We will draft your checking account from another financial institution to pay your monthly loan, or deposit
money to your savings. If you do not have payroll deduction, this is a very popular way to pay your loan payment without having to write a check.
Dormant Account Fee: $5.00 per month after one (1) year with no transactions if balance is under $100.00
Loan Application Fee: $30.00 each
Loan Document Fee: $50.00 each
Late Loan Payment Fee: $25.00 each
Loan Refinance Fee: $40.00 each
Returned Check Fee (NSF): $30.00 each, applies to checks deposited to account from another financial institution
Returned Statement Fee: $8.00 each occurrence
Excessive Transactions Fee: Share Savings $5.00 each after two (2) transactions per month
money to your savings. If you do not have payroll deduction, this is a very popular way to pay your loan payment without having to write a check.
Dormant Account Fee: $5.00 per month after one (1) year with no transactions if balance is under $100.00
Loan Application Fee: $30.00 each
Loan Document Fee: $50.00 each
Late Loan Payment Fee: $25.00 each
Loan Refinance Fee: $40.00 each
Returned Check Fee (NSF): $30.00 each, applies to checks deposited to account from another financial institution
Returned Statement Fee: $8.00 each occurrence
Excessive Transactions Fee: Share Savings $5.00 each after two (2) transactions per month
FUNDS AVAILABILITY POLICY
It is the policy of the Garland County Educators' Federal Credit Union to make funds from members' deposits available to the member the first business day after the deposit.
For determining the availability of a members' deposit, the credit union is open:
September-May
Monday, Wednesday, Friday
9:30am-4:30pm
Tuesday, Thursday
9:30am-5:30pm
June-August
Monday-Friday
9:30am-4:00pm
The credit union is closed Saturday, Sunday, and all federal holidays, plus Good Friday, Black Friday and Christmas Eve.
If a deposit is made before closing on a business day the credit union is open, it will be considered deposited that day.
In some cases, availability of funds deposited by check may be delayed for a longer period under the following circumstances:
1. The credit union believes a check the member deposits may not be paid or clear the bank.
2. The member deposits a third party or out-of-state check.
These funds will generally be available no later than the seventh (7th) business day following the day of the deposit.
For determining the availability of a members' deposit, the credit union is open:
September-May
Monday, Wednesday, Friday
9:30am-4:30pm
Tuesday, Thursday
9:30am-5:30pm
June-August
Monday-Friday
9:30am-4:00pm
The credit union is closed Saturday, Sunday, and all federal holidays, plus Good Friday, Black Friday and Christmas Eve.
If a deposit is made before closing on a business day the credit union is open, it will be considered deposited that day.
In some cases, availability of funds deposited by check may be delayed for a longer period under the following circumstances:
1. The credit union believes a check the member deposits may not be paid or clear the bank.
2. The member deposits a third party or out-of-state check.
These funds will generally be available no later than the seventh (7th) business day following the day of the deposit.
MEMBER NOTICE
To our account holders and potential account holders:
In accordance with Section 326 of the USA Patriot Act of 2001, which requires the GCEFCU to help the government fight the funding of terrorism and money laundering activities, GCEFCU is required to obtain basic identifying information from you and verify that information when you open a new account.
This means that GCEFCU staff will ask you for some basic information such as your name, address, date of birth, and other information designed to help us identify you. GCEFCU staff will also ask to see documents identifying you such as a social security card, driver's license, passport, and/or some other government-issued document.
In some cases, identification will be requested for those individuals conducting business with GCEFCU prior to the effective date of the member identification requirements. This is because original documentation was not obtained with the opening of the account or GCEFCU is unable to form a reasonable belief that it knows the true identity of the existing account holder.
In all cases, protection of our members' identity and confidentiality if the Credit Union's pledge to you. GCEFCU appreciates your patience and understanding as we all do our part in complying with the new account identification procedures required by the federal USA Patriot Act of 2001.
In accordance with Section 326 of the USA Patriot Act of 2001, which requires the GCEFCU to help the government fight the funding of terrorism and money laundering activities, GCEFCU is required to obtain basic identifying information from you and verify that information when you open a new account.
This means that GCEFCU staff will ask you for some basic information such as your name, address, date of birth, and other information designed to help us identify you. GCEFCU staff will also ask to see documents identifying you such as a social security card, driver's license, passport, and/or some other government-issued document.
In some cases, identification will be requested for those individuals conducting business with GCEFCU prior to the effective date of the member identification requirements. This is because original documentation was not obtained with the opening of the account or GCEFCU is unable to form a reasonable belief that it knows the true identity of the existing account holder.
In all cases, protection of our members' identity and confidentiality if the Credit Union's pledge to you. GCEFCU appreciates your patience and understanding as we all do our part in complying with the new account identification procedures required by the federal USA Patriot Act of 2001.
PRIVACY NOTICE
Garland County Educators' Federal Credit Union is committed to serving the financial needs of our members. Protecting personal information and using it in a manner consistent with your expectations is a priority for our credit union. We will continue to protect your privacy.
We collect nonpublic personal information about you from the following sources:
We may disclose all of the information we collect, as described above, to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements.
We do not disclose any nonpublic information about our members and former members to anyone, except as permitted by law.
We restrict access to nonpublic information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.
Garland County Educators' Federal Credit Union is committed to protecting the privacy of its members. Members can help by following these simple guidelines:
We collect nonpublic personal information about you from the following sources:
- Information we receive from you on applications and other forms,
- Information about your transactions with us or others, and
- Information we receive from a consumer reporting agency.
We may disclose all of the information we collect, as described above, to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements.
We do not disclose any nonpublic information about our members and former members to anyone, except as permitted by law.
We restrict access to nonpublic information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.
Garland County Educators' Federal Credit Union is committed to protecting the privacy of its members. Members can help by following these simple guidelines:
- Protect your account numbers, plastic card numbers, PINS (personal identification numbers) or passwords. Never keep your PIN with your card, which can provide free access to your accounts if your card is lost or stolen.
- Use caution when disclosing your account numbers, social security numbers, etc. to other persons. If someone calls you explaining that the call is on behalf of the credit union and asks for your account number, you should beware. Official credit union staff will have access to your information and will not ask for it.
- Keep your information with us current. If your address or phone number changes, please let us know. It is important that we have current information on how to reach you. If we detect potentially fraudulent or unauthorized activity or use of an account, we will attempt to contact you immediately.
- Let us know if you have questions. Please do not hesitate to call us. We are here to serve you.
WEBSITE LINKS DISCLOSURE
We provide links on our website to other Internet sites and resources. Accessing these links means you are leaving our website and going to the website of a third party not related to GCEFCU. We do not control third party sites and resources and are not responsible for their availability, content or delivery of service. Other sites and resources may have different security and privacy policies than ours.
WEBSITE USE DISCLAIMER
The information contained in this website is for general information purposes only. The information is provided by GCEFCU and while we endeavor to keep the information up to date and correct, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the website or the information, products, services, or related graphics contained on the website for any purpose. Any reliance you place on such information is therefore strictly at your own risk.
In no event will we be liable for any loss or damage including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of data or profits arising out of, or in connection with, the use of this website.
Through this website you are able to link to other websites which are not under the control of GCEFCU. We have no control over the nature, content and availability of those sites. The inclusion of any links does not necessarily imply a recommendation or endorse the views expressed within them.
Every effort is made to keep the website up and running smoothly. However, GCEFCU takes no responsibility for, and will not be liable for, the website being temporarily unavailable due to technical issues beyond our control.
In no event will we be liable for any loss or damage including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of data or profits arising out of, or in connection with, the use of this website.
Through this website you are able to link to other websites which are not under the control of GCEFCU. We have no control over the nature, content and availability of those sites. The inclusion of any links does not necessarily imply a recommendation or endorse the views expressed within them.
Every effort is made to keep the website up and running smoothly. However, GCEFCU takes no responsibility for, and will not be liable for, the website being temporarily unavailable due to technical issues beyond our control.
