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General Electric Credit Union

Credit Union FAQs

We've compiled a list of commonly asked questions you may find helpful; however, you are always welcome to give us a call if you require further assistance. 

General  |  Online Banking |  Mobile Banking  |   Mobile Deposit  |   Web BillPay  |   Text Message Banking  |   Money Management

 

Additional FAQs:

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General Questions

How do I become a member?
You are eligible for membership at GECU if you live, work, worship, or attend school in one of the Ohio, Kentucky, or Indiana communities we serve. In addition, if you are an employee or member of one of our Select Employer Groups (SEGs) or are an immediate family member of a current member, you’re eligible to join, too! Visit our Membership & Eligibility page to find out more about our field of membership. Then, all you have to do is open a Share/Savings account and maintain a $5 balance. Get started by filling-out our Membership & Accounts Application.
Where can I open an account?
You can visit any GECU office location to open a new share, share draft, share certificate, money market, or premium checking account. To open an IRA or HSA, please contact us to schedule an appointment.
What are GECU’s hours, locations, and contact information?
How do I apply for a loan?
We offer a variety of online applications so you can get started on your own. In addition, there are several printable applications you may complete and mail to us, or you can meet with a loan officer at our: Reading Road (Evendale), Mason, Loveland, Fairfield, or Eastgate (by appointment) offices.
Are my funds federally insured?
Yes. Your deposits are insured to at least $250,000 by the National Credit Union Administration (NCUA), an agency of the federal government. Learn more.
Why am I limited on the number of transactions I can make from my savings or money market account?
Regulation D is a federal regulation that limits the number of electronic transfers or checks from money market and savings accounts. Under Regulation D, a maximum of six (6) transfers per month from a savings or a money market are allowed. These transactions include phone requests, Overdraft, Online Banking, email requests and faxed requests. There are no limitations on ATM or in-branch transactions. Please note: This is a regulation mandated by the federal government, it is not a Credit Union policy. A complete description of Regulation D is included in the Account Disclosures.
How can I make a deposit?
During GECU’s business hours, you can make deposits in person, by mail, or at GECU deposit-accepting ATMs. You can also deposit funds conveniently through payroll deduction, direct deposit, or Transfers in Online Banking, or Mobile Deposit through Mobile Banking.
What online services are available?
Within our Online Banking and mobile app, you can: view account balances, transfer funds, access eStatements, make loan/credit card payments, pay bills, and more. Once you’re enrolled in Online Banking, you’ll have access to a variety of services, including: Alerts, Transfers, eStatements, Web BillPay, Popmoney®, Mobile Deposit, and more.
Can I get information about my account by phone?
Yes, you may contact a Member Service Representative during business hours at: 513.243.4328 or 800.542.7093. In addition, you can use our automated service, Sourceline, for convenient access to your GECU accounts 24 hours a day, 7 days a week. Call 513.243.3333 or 800.589.2875. All members can activate Sourceline by calling the number above, you will need your Member Number. Your first-time PIN is the last four of your social security number - you will be prompted to change your PIN once logged in. 
What is GECU’s routing number?
Our routing number is 2420-7682-1.
How do I determine my Member Number or account number?
Every member is assigned a unique number – a Member Number. You will use your Member Number to log in to Online or Mobile Banking for the first time and when using Sourceline. Your account number identifies a specific account you have with us and can be found within Online Banking or on your statements. Learn more about Member Number and Account Numbers, including when to use each.

Online Banking

What is Online Banking?
GECU’s free Online Banking is the easiest way to manage your finances anywhere you have internet access. Within our Online Banking and mobile app, you can: view your account balances and transaction history, transfer funds, pay bills, view your account and loan statements, access our online loan applications, set up account alerts, access GECU credit card information, and much more.
How do I enroll in Online Banking?
To enroll, complete this short enrollment form; you will need your Member Number. Once you have completed and submitted the enrollment form, you will set up your verification methods (the phone number and/or email address to use should you forget your password or log in from an unrecognized device). Then, you're in!
What is Multi-Factor Authentication (MFA)?
MFA is a security feature designed to protect the privacy and security of your GECU Online Banking account and personal information. MFA setup occurs during enrollment and can be edited/updated at any time (under My Settings).  MFA is required the first time you log in with a new device. Upon set-up, you may also choose to register your personal computer. This means it will recognize your computer as one that you authorize to access your account and it won’t ask you to verify your login. When you access Online Banking from an unregistered computer, you’ll be asked to verify your identity by receiving a text message or email with a one-time password to verify your device. This password is 6 numerical digits and expires in 10 minutes.
Can I change my own Username or Password?
Yes. Log in to Online Banking and select My Settings, then Edit your Username and Password. 
Do I need my own computer to access my account?
No. You can use any device with internet access and a web browser to access Online Banking; however, for your security, we recommend that you not use a public computer, i.e. a computer at a public library, to access your GECU Online Banking account. No matter which device you choose to use, you will need to know your Online Banking Username, Password, and access to your MFA phone number and/or email address. 
How do I sign up for Text Message Banking?
  1. Log in to Online Banking.
  2. Scroll over Additional Services, then click Text Banking & Alerts.
  3. To sign up, click Start text banking now.
  4. Enter in your text number and click Activate.
  5. Set up alert options, click Done.
  6. After signing up, you can select what alerts you want sent via text message or email.
  7. On the right, text options will appear for guidance.
How do I nickname accounts?
  1. Log in to Online Banking.
  2. In the top right, click My Settings.
  3. Scroll down, under Other Settings, select Rename and Hide Accounts.
  4. You can type in the nickname for your accounts and decide whether you want to show the account on your home Accounts page by checking or unchecking the boxes on the right.
  5. When finished, click Done.
Note: You will not be able to make or schedule transfers to or from hidden accounts. Additionally, these accounts will not appear in Mobile Banking if they are hidden; you will need to unhide them in Online Banking to make them visible.
How do I hide and unhide accounts in Online and Mobile Banking?
  1. Log in to Online Banking.
  2. In the top right, click My Settings.
  3. Scroll down, under Other Settings, select Rename and Hide Accounts.
  4. You can decide whether you want to show the account on your home Accounts page by checking or unchecking the boxes on the right.
  5. When finished, click Done.

Note: You will not be able to make or schedule transfers to or from hidden accounts. Additionally, these accounts will not appear in Mobile Banking if they are hidden; you will need to unhide them in Online Banking to make them visible.

I'm trying to make a transfer in Online Banking but it says I have met my limit. What is this and what does it mean?
Regulation D restricts the number of electronic withdrawals and transfers that come OUT of a non-transactional (savings) account. There is a limit of six (6) per month and it is reset every month, on the first of the month. This limit does not apply to transactional accounts, such as a checking account. To complete a transfer after you’ve reached your monthly limit, you can come into a GECU branch office or visit a GECU ATM if you have an ATM/Debit Card.
Can I download my account history information?
Yes. You can download your account history into a CSV or OFX File.
How do I sign up for eStatements?
To enroll for eStatements, you’ll first need to enroll in Online Banking. Once enrolled in Online Banking, follow these steps to sign up for eStatements:
  • Log in to Online Banking and select eStatements .
  • Read the agreement, click Enroll Now.
Once you’re signed up, you’ll receive an email notification around the fifth business day of each month letting you know your statement is available to view, print, or save at your convenience. In addition, you’ll begin to accrue 2 years worth of statement history accessible 24/7. 
  1. Log in to Online Banking.
  2. In the main navigation, click Text Banking & Alerts.
  3. To sign up, click Start text banking now.
  4. Enter in your text number and click Activate.
  5. Set up alert options, click Done.
  6. After signing up, you can select what alerts you want sent via text message or email.
  7. On the right, text options will appear for guidance.

Mobile Banking

How do download the Mobile Banking app?
To download the GECU mobile app, visit your app store by clicking the buttons below.

app store badge iconGoogle Play badge icon

How do I enroll in Mobile Banking?
To enroll in Mobile Banking, download our app from your app store. If you've previously logged in to Online Banking, you can use the same Username and Password. If you're a new Online and Mobile Banking user, follow the directions below:
  1. Under the login section, tap Sign Up.
  2. Enter in your username and password of choice.
  3. Enter in personal information (you will need your Member Number).
  4. Choose whether you want to enroll in Web BillPay simultaneously.
  5. Accept the Terms and Conditions.
  6. Tap Complete Sign Up.
How do I unlock my account?
  1. On the login page, tap More.
  2. Tap Recover Credentials.
  3. To unlock your account, enter in the phone number associated with your Mobile Banking Account.
  4. Enter your Username, click Send me a new password.
  5. You will be sent a new password to use the next time you log in.
  6. When asked to change your password, enter in the password you were sent and then create a new one to use moving forward.
How do I transfer funds in the mobile banking app?
Within our mobile banking app, you can easily transfer funds between your GECU accounts, to other GECU members, or between your external accounts at other financial institutions. For directions on each, visit our Transfers & Payments page.

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