FAQs

To maintain the privacy of the insured, information can only be provided if the primary insured is present to give consent.

The Plan Administrator is Franklin Madison Group LLC the nation’s largest provider of direct response insurance programs

Once the Plan Administrator receives the appropriate information and documentation, claims are processed within 5 days and then forwarded to the underwriter for benefit determination.

Call toll-free 1-877-309-6576 weekdays, 7:00 a.m. to 5:00 p.m. CST.

1) Share account holders: the premiums will be automatically debited from your account quarterly. These transactions will be reflected on your statement.

2) Share draft account holders: the premiums will be automatically debited from your account quarterly. These transactions will be reflected on your statement.

You have a no-risk, 30-day guarantee so if you choose not to keep your insurance, just call toll free 1-877-309-6576 to cancel.

Processing and issuance of the Insurance Coverage Document takes about 30 days.

This is paid travel on common or public forms of transportation such as: commercial airlines, trains, buses, cabs, ferries, etc.

Please see your Insurance Coverage Document for “Effective Date.”

No. However, coverage reduces by 50% at age 70 and older.

You automatically receive five added benefits that are included with your insurance.

(1) Common Carrier Accidental Death: Provides payment for common carrier accidents.

(2) Education Expense Benefit: Provides payment of a benefit to each dependent child enrolled as a full-time student in an institution of higher learning.

(3) Anti-Inflation: Provides protection of your Principal Sum value against inflation.

(4)Dependent Child Care: Provides reimbursement of incurred child-care expenses if the insured dies from a covered accident.

(5) Accidental Hospital Indemnity: Provides payment for each day the insured is hospitalized. Accidental Hospital Indemnity is not available in NY and WA. In NY, the fifth benefit is: Total and Permanent Accidental Disability.In WA, the fifth benefit is: Adaptive Home and Vehicle

No. You are guaranteed acceptance

AD&D insurance has coverage levels to fit your budget, from $10,000 to $300,000. Spouses and unmarried children age 19 and under (under age 25 if full-time students) may be insured under the family plan. If the family plan is selected, spouses are insured for 50%, dependent children are each insured for 20%. Households without dependent children: spouse coverage is 60%.

Yes. You’re covered 24 hours a day, worldwide.

No. The coverage is our gift to you as long as you have an account with us.

No. You must complete and return the enrollment form.

Simply use our ATM locator to find COOP ATMs. All ATMs listed within the ATM locator are our official free ATMs.

CO-OP is a total of, nearly 30,000 ATM locations, more than 5,600 shared branch locations nationwide.

The ATM date used in the Allpoint locator is update every two weeks to reflect any changes to our network locations.

If your institution participates in Allpoint Network, ATMs on the Allpoint Locator are guaranteed surcharge-free regardless of location branding. The ATM should have an acceptance mark with the Allpoint logo in addition to being on the locator.

Yes. Your ATM card will continue to work at ATMs that are not included in the Allpoint network. However, the amount, if any, surcharge fee that you will be assessed at such non-participating ATMs will be determined solely by the owner and operator of that ATM and not eligible for reimbursement by Allpoint. There will also be a Foreign ATM fees charged by the GAFCU.

Participating cardholders of Allpoint member financial institutions are entitled to an unlimited number of surcharge-free transactions at Allpoint ATMs. However your card provider may have limitations in place so please check with them.

Yes. All ATMs listed on our ATM locator are surcharge-free, even if the Allpoint logo is not on the ATM.

If you require a surcharge refund, please contact your card provider.

No. Due to the technical limitations of certain types of ATM machines, we are not able to prevent the “surcharge message” screen from appearing on some Allpoint ATMs. You should continue the transaction by answering “yes” on this screen. When you get your receipt, you’ll see that you were not assessed a surcharge (i.e., the withdrawal amount on your receipt will show $20, $40, $60, etc., as opposed to $21.50, $41.50, $61.50, etc. shown when you pay a surcharge).

Allpoint’s 85,000 surcharge-free ATMs are located in local, regional and national retailers across all 50 states, Puerto Rico, Canada, Mexico, Australia and the United Kingdom. This includes merchants such as CVS/pharmacy, Kroger, Target, Walgreens, Winn-Dixie and many others. Use the ATM locator to find the Allpoint ATM closest to you.

There are no fees assessed by Allpoint to the cardholders of participating financial institutions. Enrollment in Allpoint is automatic. You can start using Allpoint today, by finding a surcharge-free Allpoint ATM on our ATM locator

Allpoint is a network of 55,000 ATMs through which certain cardholders of member financial institutions participating in Allpoint can get surcharge-free access to their accounts. Not all accounts at Allpoint member financial institutions may participate in Allpoint. Check with your financial institution to be sure that your account participates in Allpoint.

Yes, you can use your GAFCU ATM and DEBIT card unlimited times a month at any of the GAFCU owned machines or use them at a CO-OP or Allpoint Network and not be charged a fee.

A FEE charged by GAFCU for using ATMs that are not owned by GAFCU and doesn’t fall under COOP or Allpoint network is referred to as a foreign ATM fee.

Commonly referred to as a surcharge, this is the fee the owner(a non GAFCU, CO-OP or Allpoint) of the ATM machine assesses to all “foreign” cardholders (i.e., someone that is not a cardholder of the institution owning the ATM).

There is no cost to use our Bill Pay service except when using Expedited Electronic or Overnight Check payment service.

YES. You can cancel or edit any scheduled payments prior to the scheduled date. If you need to put a Stop Payment after the scheduled date you will need to call us at 888-554-2328 x280. There is fee associated with that. (Please see Fee Schedule)

Your payment will be made by the credit union and you will be charged an NSF fee. The credit union will attempt to collect the funds 2 times and a 3rd attempt will be made at the end of the month. Each attempt to collect funds will incur a fee to the member. If the funds are still unavailable at the end of the month, we will put a block on the account which does not prevent the member from accessing Bill Pay but will halt any further payments. (Please check our updated Fee Schedule in April 2017)

YES. You can cancel or change bill pay prior to the scheduled date.

The funds are deducted on the “Deliver Date.” This will be the date that the payment will need to arrive at the payee.

You can choose if you would like to make an overnight payment electronically or via Overnight Check, however, if the merchant is not setup to receive electronic payments then you can only choose to make an Overnight Check Payment. If the Payee is setup for both payment options you can choose one of the options. Note: You cannot cancel or edit payment after you have confirmed the payment for expedited payments.

If a payee can receive payment electronically they you can choose to send the payment electronically overnight, however if the payee doesn’t accept payments electronically then your only option would be to send the payment via an overnight check. Both of these options have a small fee associated with them. (Please check our Fee Schedule)

You can begin bill payment is immediately after registration is complete.

No, only checking accounts can be used for bill payment purposes.

When you update the information for the bill payment account, the changes are implemented virtually instantaneously.

Yes. You can schedule monthly, weekly and daily recurring payments.

There is NO FEE to use Bill Pay. However with our new Bill Pay if you would like to make expedited payments there will be a small fee associated with it.

YES. You can pay any credit card, store card or utility bill using Bill Pay.

You may simply type in the name of the person or business that you want to pay. To simplify the payee process, you will see common payees on the bottom of the Bill Pay page; you may just click on the name to quickly add the payee.

It’s very easy, simply click on the Bill Pay tab, you will be asked to enter your Mother’s Maiden Name for verification and accept the terms and conditions. You will receive an email confirmation once you register for Bill Pay.

You can only use Bill Pay if you have a Checking account. If you do not have a Checking account you will not be able to use Bill Pay.

The minimum balance to open a Share Certificate is only $ 500.00.

If share certificate funds other than dividends are withdrawn prior to maturity, A SUBSTANTIAL PENALTY IS IMPOSED as follows: The penalty is a forfeiture of dividends earned. The amount upon which dividends are forfeited is the principal amount withdrawn unless the amount withdrawn reduces the balance below the minimum balance required for the share certificate. In the event, the amount upon which dividends are forfeited is the entire principal amount of the share certificate, the penalty is as follows:

• If the term of your share certificate is one year or less, you will forfeit an amount equal to 90 DAYS OF DIVIDENDS, WHETHER OR NOT THEY HAVE BEEN EARNED. THIS COULD CAUSE YOUR PRINCIPAL INVESTMENT TO BE REDUCED TO LESS THAN THE ORIGINAL AMOUNT DEPOSITED
• If the term of your share certificate is greater than one year , you will forfeit an amount equal to 180 DAYS OF DIVIDENDS, WHETHER OR NOT THEY HAVE BEEN EARNED. THIS COULD CAUSE YOUR PRINCIPAL INVESTMENT TO BE REDUCED TO LESS THAN THE ORIGINAL AMOUNT DEPOSITED.
• We reserve the right to charge early withdrawal penalties except for required minimum distributions for IRAs.

Greater Alliance Credit Union has several Checking accounts with great rates! If you want the best rates you don’t need to go anywhere else!

There is an APY (Annual Percentage Yield) and a DR (Dividend Rate). The dividend rate is the rate on your certificate. The annual percentage yield is the amount that you earn over the life of the certificate if you don’t withdraw your monthly dividends.

The nine digit number 221275876 is our routing and transit number (ABA Number). The ten digit number at the bottom of the checks is your Micro Number (checking account number) it should start with 00.

There is an initial deposit requirement of $5,000 for Premier Checking, $50 for Easy and Fresh Start Checking and there is an initial deposit requirement of $5 to open the Edge Checking.

Greater Alliance Credit Union offers to all its members’ automatic overdraft protection from the savings account to prevent bounced checks. GAFCU charges a nominal fee for this transfer and the number of allowable transfers is governed by Regulation D limits.

You can reorder checks by logging into Digital Banking and then clicking on ‘Additional Services’ and select ‘Check Reorder Service’.  If you are ordering checks for the very first time then please call Greater Alliance Credit Union’s Service Support at 888-554-2328 and we will order them over the phone for you. You can also stop in to any one of our branches.

We offer Premier, Easy, Fresh Start and The Edge Checking accounts for our members.

All devices must have NFC (Near Field Communication) Capability to pay with the wallet. *For the most up-to-date device list, please visit the wallet websites.

Apple Pay:

iPhone
In stores, within apps, and on the web in Safari*

• iPhone X
• iPhone 8
• iPhone 8 Plus
• iPhone 7
• iPhone 7 Plus
• iPhone 6s
• iPhone 6s Plus
• iPhone 6
• iPhone 6 Plus
• iPhone SE

In the United States,³ you can use Apple Pay Cash and person to person payments on the above devices.

iPad
Within apps and on the web in Safari

• iPad Pro
• iPad (5th generation)
• iPad Air 2
• iPad mini 4
• iPad mini 3

In the United States,³ you can use Apple Pay Cash and person to person payments on the above devices.

Apple Watch
In stores and within apps, paired with iPhone 5 and later*

• Apple Watch Series 3
• Apple Watch Series 2
• Apple Watch Series 1
• Apple Watch (1st generation)

In the United States,³ you can use Apple Pay Cash and person to person payments on the above devices.

Mac –On the web in Safari

• MacBook Pro with Touch ID
• A Mac model introduced in 2012 or later with an Apple Pay-enabled iPhone or Apple Watch

Android Pay: Android Operating System – 4.4 and up

Android Phones can only use Android Pay

Android Pay is available on all non-rooted Android devices (KitKat 4.4 and up).

• Rooting is the process of allowing users of smartphones, tablets and other devices running the Android mobile operating system to attain privileged control (known as root access) over various Android subsystems. Rooting is how to get complete access to everything in the operating system, and those permissions allow you to change it all. It gives the users the ability to say what is running and what isn’t running to control data & battery life.

Samsung Pay: Android Operating System – 5.0 and up

Samsung Phones can use Android Pay OR Samsung Pay but they can’t be loaded at the same time. Galaxy S7, Galaxy S7 Active, Galaxy S7 edge, Galaxy S6, Galaxy S6 active, Galaxy S6 edge, Galaxy Note5, Galaxy S6 edge+

Microsoft Wallet: Microsoft Wallet is available on Windows 10 devices.

Fitbit Pay – Compatible Device: Fitbit Ionic

Garming Pay – Compatible Devices: vivoactive 3, Forerunner 645, Forerunner 645 Music

Please contact Service Support Department at 888-554-2328 x280.

Yes. Apple Pay can store up to eight (8) eligible Credit and Debit cards.

Yes. You can add multiple cards to Apple or Google Pay on multiple eligible devices.

Yes, Apple Pay works with chip-enabled personal Check or Credit cards.

Receipts for purchases made with Mobile Wallets may display the last four digits of your token, which is different from the last four digits of your payment card number.

Any returns are processed as they are today. However, individual merchants’ return policies may vary.