 Local Shared Branches
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Membership at Grossmont Schools Federal Credit Union is open to employees,
retired employees, and their immediate family members of the Grossmont
Union High School District and Grossmont-Cuyamaca Community College District.
To become a member, simply stop by the
credit union or call us! A deposit of $5.00
(one share) is all it takes to open your share account.
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Prior to October 11, 2004, if you wrote a check to a 3 rd party that was presented
for payment at our office by the payee, that check would not be available for
viewing through CU@U - Internet Branch. If you need
a copy of a check that is not available through CU@U
- Internet Branch, please give us a call at 619-588-1515 and request a copy. In addition,
all checks that are turned into electronic checks for clearing by a merchant
will not be available for viewing as some merchants do not process the “paper” check.
(For example: if you present a check to a merchant and they scan the check and
hand it back to you they have converted it to an electronic check). All other
checks will be available for viewing through CU@U
- Internet Branch.
At this time, Home Equity Line of Credit Check
copies can only be obtained by contacting us
directly at 619-588-1515.
According to Federal Regulation
D, you are limited to 6 automatic transfers
each month from a savings accounts. After 6
transfers from savings in one month, we are
restricted from transferring from your savings
account, and therefore look to your overdraft
protection loan to cover the check(s).
Immediately call 1-800-449-7728 to report
your card lost or stolen.
Immediately call 1-800-449-7728 to report
your card lost or stolen.
To activate either Credit or Debit card(s),
call 1-800-527-7728.
3222-7650-9
No. To send a wire from another institution
to your GSFCU account, you need to provide additional
information. The information is as follows:
Correspondent Institution: WesCorp
Routing & Transit: 1220-4121-9
Address: 924 Overland Court , San Dimas , CA
Receiving Institution: Grossmont Schools FCU
Account number: 3222-7650-9 – Share 25
Address: 1069 Graves Ave, Suite 100 , El Cajon , CA 92021
Final Credit: (Member Name and Account Number
to deposit funds)
Please indicate Savings, Money Market or Checking
Member Address
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Click on the CU@U
- Internet Branch in the upper
right corner of GSFCU home page. This
will bring up the login page. There
is a statement, if you are “Not setup
for CU@U
- Internet Branch Click Here ”.
Once you have Clicked Here the next
screen will be the setup screen. You
will need to know your Account Number,
Social Security Number, E-mail Address
(optional), and Birth date. After agreeing
to the disclosure you will be prompted
immediately to enter an Access Code
and Password of your choice. Your Access
Code and Password should be something
only you know and can easily remember.
You can change your Access Code and
Password at any time by going to Account
Maintenance once you are in CU@U
- Internet Branch.
You can complete the following transactions
using CU@U - Internet Branch:
- Review account balance and transaction
history for your deposit and loan accounts.
- Review information on your loan account
including payoff amounts, due dates, and
balance information.
- Transfer funds between
your savings, checking and loan accounts.
Federal Regulation D limits may apply.
See section below entitled Does
Federal Regulation D apply to CU@U -
Internet Branch transfers?
- Transfer funds to accounts of other members
(advance written authorization required).
- Export account information for downloading
to Quicken or Microsoft Money
- Use Bill Payment to pay monthly bills
from your checking account to make one
time payments, or schedule recurring payments,
and check on previous payments. See Bill
Payment Questions.
- Aggregate balances and transaction information
from most other financial institutions,
automatically;
- Transfer funds between most financial
institutions to your account, or to 3 rd
parties.
More information is available in CU@U
- Internet Branch Agreement and Disclosures
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Yes, Federal Regulation D applies to CU@U
- Internet Branch transfers from savings accounts.
Regulation D is a Federal Regulation that limits
transactions in savings accounts. The GSFCU accounts
that are affected are Regular Savings and Money
Market Accounts. Checking accounts do not
have any transaction limits.
With Regulation D, you are limited to a maximum of six (6) of the following
types transactions per month from the same savings account:
- Transfers over the phone with a Member Service Representative
- Transfers using Anytime Teller
- Transfers using CU@U - Internet Branch
- Overdraft transfers
- Preauthorized transfers including ACH debits
Once you reach the maximum six (6) transfers in a month from the same
account, future transfers from the account will not take place. This could
result in insufficient funds or overdraft fees, depending on your account
balance.
Please note that transactions performed at a branch or ATM are not restricted
by Federal Regulation D.
Further information concerning transaction limits can be found in the
GSFCU Membership
and Account Agreement and in CU@U
- Internet Branch Agreement and Disclosures.
Yes. While you're in CU@U - Internet
Branch, click on the Account Maintenance button from the Main Menu page
to change your PIN (Anytime Teller – Audio Access Code), CU@U - Internet Branch Password,
or your address. Changing your CU@U - Internet
Branch Password will not change your Anytime Teller password.
- PC or Macintosh
- Internet connection
- Anytime Teller – Audio Access Code
- CU@U - Internet Branch password
- A recommended browser (see below)
You must use a browser that supports encryption. We recommend Microsoft
Internet Explorer 4.0 or higher for both PC and Macintosh computers,
or Netscape
Communicator 4.51 or higher. If you are an AOL customer, make sure
you have at least version 4.0. The browsers we recommend offer the highest
encryption, giving you the most secure connection possible.
In Microsoft Internet Explorer, click on Help, then click on About Internet
Explorer. Click
here to upgrade to a newer version of Internet Explorer now.
In Netscape Navigator, click on Help, then click on About Netscape Navigator. Click
here to upgrade to a newer version of Netscape now.
In America Online's Web Browser, click
on Help, then click on About America
Online.
For additional assistance, contact our
Information Technology Support Team M-F
9:00-5:00 @ 619-588-1515 x112.
First of all, your account is password
protected. Even if someone knows your account
number, they cannot access your accounts
without your password. For your safety,
if this password is input incorrectly 3
times, the account is automatically locked
(you can contact us at (619)588-1515
if you forget your password.)
Also, CU@U -
Internet Branch uses encryption to send
and receive account information and transactions.
This means that information is "garbled" as
it is transmitted via the Internet. The
garbled information is translated after
it reaches GSFCU's secure system. Your
accounts (and our computer system) are
not located on the Internet or Web. They
are only accessed from behind a "firewall." A
firewall is a security barrier set up between
a company's internal systems and outside
systems. Firewalls are designed to keep
hostile visitors out and to protect a company's
internal information.
We use the best available technology in
security, firewalls, and encryption to
ensure that your accounts are safe. GSFCU
is very proactive in securing your information.
Be sure to enter your account number
without the leading zeros, hyphens or punctuation.
The account number appears on your monthly
or quarterly account statement and should
be no more than 7 digits and may be less.
If you continue to experience difficulty,
please call us at (619) 588-1515.
Contact one of our Member Service Representatives at (619) 588-1515, or email
us at memberservice@gsfcu.org .
We will reset your password for you. The next time you log into CU@U
- Internet Branch you will be required to change it.
Yes. We encourage you to change it periodically. While you're in CU@U -
Internet Branch , click on the Account Maintenance tab from the Main Menu page
to change your PIN (Audio Access Code), CU@U -
Internet Branch Password, or your address. Changing your CU@U -
Internet Branch Pin (Audio Access Code) will change your Anytime Teller Access
Code.
Please review and re-enter your Account Number. This is the 7-digit number
that appears on your statement.
If you have verified that your Account
Number, Audio Access Code and password
are correct but you still cannot login,
please contact one of our Member Service
Representatives at (619) 588-1515, or email
us at memberservice@gsfcu.org for
assistance.
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You must have a current un-expired government
issued photo ID with a signature, the name of our credit
union and your account number.
To find the nearest location look
for the Swirl
throughout www.gsfcu.org or
log on to www.cuswirl.com
You can also call 888-CUSWIRL (287-9475) or
call a GSFCU Member Service Representative at
(619) 588-1515 for a local location guide.
You can make deposits, withdrawals,
loan payments, VISA cash advances, account inquires
(last 10 transactions), account transfers, money
orders, travelers' checks and notary services
(if available). Fees may apply.
A maximum of $500 can be given per day.
A withdrawal up to $2000 may be permitted if
the cash is available. A verbal authorization
may be required.
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Equity is equal to Real Market Value less Amount
Owed on a Home . For example:
| Real Market Value of your Home: |
$500,000 |
| Amount Owed on Mortgage Loan(s): |
-$200,000 |
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| Total Equity |
$300,000 |
GSFCU offers 80% loan to value,
90% loan to value, and 100% loan to value
products. Using the example listed above
assume your equity is equal to $300,000.
If you use a 100% loan to value product,
$300,000 may be available. If you use an
80% loan to value product $200,000 may be
available (.80 x $500,000 (=) $400,000 (-)
$200,000 (=) $200,000).
You can determine how much equity you have in
3 easy steps:
- Determine the Real Market Value of
your home. A good place to start
is to check with a real estate agent in your
area and ask for a free market valuation.
Or, simply check some of the recent sales
prices of homes in your area that are similar
to yours.
- Determine how much you owe on your
home. Obtain your balance(s) from
your current lender(s).
- Determine how much equity you have.
80% LTV
(loan-to-value)
|
90% LTV
(loan-to-value)
|
100% LTV
(loan-to-value)
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| Estimated Market Value $500,000 |
$500,000 |
$500,000 |
| 80% $400,000 |
x 90% $450,000 |
X100% $500,000 |
| Less 1 st Mortgage $360,000 |
$360,000 |
$360,000 |
| Potential Limit $ 40,000 |
$ 90,000 |
$140,000 |
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You can use your GSFCU Home Equity Loan
or Line of Credit for home improvements, college
tuition, a new car or almost anything you can
imagine.
The maximum loan term available is 15
years.
Your interest rate will vary depending on the loan you choose. Click on rates to
view our current rates.
We offer fixed and variable rate Home
Equity Loans. Talk to one of our loan officers
to find out which program is best suited for
you.
Interest on your Home Equity Loan or Line of credit may be tax deductible.
Consult your tax advisor for details.
There are no origination fees for any of our Home Equity Lines of Credit.
With our Home Equity Loans, you're as little as 10 –14 days after receipt of
your application away from the cash you need for home remodeling,
paying college tuition, a new car or almost anything you can imagine.
GSFCU's Home Equity Line of Credit allows you to access funds anytime with
Convenience Checks, Anytime Teller, and CU@U -
Internet Branch. You can borrow as often as you like, up to your approved limit.
You apply just once. As you pay down the balance, the money becomes available
again.
You can generally keep your Home Equity Loan or Line even if you refinance
your first mortgage. A great benefit of all GSFCU Home Equity Loans and Lines
is GSFCU can usually will subordinate to another lender. What does that mean?
Your first mortgage and your Home Equity Loan or Line each have has what is
called a lien position. Typically a first mortgage loan is in the first position,
and a Home Equity Loan or Line is in second position. When refinancing your
first mortgage, many lenders suggest that you pay off your Home Equity Loan
or Line to ensure the first mortgage will have first lien position. At GSFCU
you may not have to close your Home Equity Loan or Line.
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You can register for Bill Payment
while you are in CU@U -
Internet Branch. Simply click the Bill Payments
button to get started.
If
you have a GSFCU Checking Account, Online Bill
Payment service is absolutely free!
You can pay anyone
in the U.S. with this service – from
your babysitter to the phone company, to VISA,
etc. Depending on the type of payment your payee
accepts, your bills will be sent either electronically
or by check. The remittance type (electronic
or check) for each payee is automatically researched
when you set up your payee list while you are
in CU@U - Internet Branch.
When we receive your payment request for
a payee that does not accept electronic payments,
we will cut a physical check on your behalf and
send it via the US Postal Service to your designated
payee. GSFCU offers a 5-business day guarantee,
providing you have entered the correct payee name,
payment address, account number to be credited,
and you authorize it to reach the payee no later
than the “Due Date”. For electronic payments, we
offer a similar 2-business day guarantee.
Yes.
You will see the remittance type change from
check to electronic.
Call the toll free number
for our Bill Payment Customer Care Service
at (877) 542-0175. The phone representative
will research the payee information. If the
account format is incorrect, it will be updated
in the Bill Payment database.
It is best to schedule
a payment no later than the day before you would
like it to go out. Example: If today is Tuesday
and you want to schedule a payment to go out on
Wednesday (tomorrow), you'll need to schedule this
no later than Tuesday by 9:00 p.m. Pacific Standard
Time.
While you are in the Bill Payment section, you can delete any Scheduled Payments
by clicking on the "Trash Can" icon next to the date of the payment
you wish to delete.
In the Bill Payment section click
on the "Payments" button,
and then click on the “Trash Can” next to the
date of the payment you wish to delete.
Payments
by check - Contact our Bill Payment Customer
Care Service at (877) 542-0175 to place a stop
payment. There is a $10.00 fee for stop payments.
This fee will not be assessed if we are responsible
for the error.
Electronic Payments - Stop payments cannot be
placed on electronic payments once they have
been sent.
Contact our
Customer Care Service at (877) 542-0175 any time,
day or night. You can also email your request to memberservice@gsfcu.org.
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