Online Service Center

Get Answers to Frequently Asked Banking Questions

We’re here to answer your questions and to get you closer to financial freedom — whatever that looks like for you!

Common questions

GECU’s routing number is 312081089.

Signing up for online banking is easy. For first-time users, your member number is your “User ID.” Both your member number and password are provided to you during account opening. If you forgot your “User ID,” we can help you access your account. For any questions, please contact us by using the GECU Chat or by calling toll-free at 1.800.772.4328.

Make transfers from your accounts at other financial institutions to your GECU loan accounts. One-time funds transfer or loan payments from an external account are charged a $15 convenience fee. Learn more about making transfers or loan payments from an external account or call toll-free at 1.800.772.4328.

Ordering a replacement debit card7 is simple!

1. Log in to your online banking account.
2. Hover over the “Financial Tools” tab, and then click on “Order Debit Card.”
3. Follow the prompts and select the design of your choice — the green GECU Empowerment, El Paso Chihuahuas or El Paso Locomotive FC debit card.7
4. You’re all done — your new debit card will arrive in the mail in the next seven days!

You can also order a replacement or report a lost/stolen debit card by calling 1.800.810.2252 or by visiting any of our locations. A $5.00 fee applies to debit cards instantly issued.

You can choose a debit card design by logging in to your online banking account. Hover over the “Financial Tools” tab, and then, click “Order Debit Card.” Follow the prompts and select the debit card design of your choice — the green GECU Empowerment, El Paso Chihuahuas, or El Paso Locomotive FC debit card.7 You can call us toll-free at 1.800.810.2252 and speak to a representative to get an instant-issue debit card for a $5.00 fee. Another option is to visit any GECU location.


Your account security is important to us! File a transaction dispute on an unauthorized GECU debit or credit card charge by calling the card services department at 1.800.772.2252.

We can guide you through the process of filing a fraud or dispute investigation based on the fraudulent activity that’s being reported.

Generally, the dispute will proceed but is not limited to the following steps:

  • We will begin investigating your dispute as soon as you notify us.11
  • We may close your account or card to prevent additional fraudulent activity.
  • We may request you to provide and complete supplemental documentation.
  • As determined by the investigation, GECU may issue a provisional credit to your account within 10 business days from the date that the dispute is initially received.
  • If your claim is determined to be valid, the provisional credit that has been issued becomes permanent, and the claim will be closed and completed.
  • If your claim is determined to be invalid, you must return the provisional credit and GECU will debit your account for the entire amount of the provisional credit.
  • GECU follows regulatory requirements of time limits for investigations. Generally, the entire process could take up to 90 days for a fraud investigation and up to 120 days for a dispute investigation.
  • Once the investigation is complete, you will be notified in writing.
  • Remember that your GECU debit and credit card are backed by Mastercard Zero Liability.10

For more information, call 1.800.772.4328 or chat with us now.

To report a lost or stolen debit or credit card, please call our card services department at 1.800.810.2252. Make sure to keep an eye out on your account and purchases by logging in to your online banking account or the mobile app. If you need to dispute a transaction, let the card services department know when you report your card as lost or stolen. For more information, call toll-free at 1.800.772.4328 or chat with us now.

If you forgot your GECU Online Banking user ID or password, we can help you access your user ID or reset your password. For any questions, please call toll-free at 1.800.772.4328. Remember — never give out your information or one-time passcode.

To sign up for online Bill Pay, log in to online banking, click the Bill Pay tab and complete and submit the setup form. For any questions, please call toll-free at 1.800.772.4328.

You can deposit checks quickly and easily using our mobile app or at any of our real-time deposit taking ATMs throughout El Paso, Texas.2 Watch this quick step-by-step video to learn how to make a check deposit with our mobile app.

Setting up automatic transfers with online banking can help you develop a healthy savings habit or pay off loans! Here are the types of transfers that you can make with a GECU account:

Between your GECU accounts: Transfer money anytime between any of your GECU accounts.

Zelle®5: Use Zelle on the GECU Mobile App1 to send money to friends, family and others you trust. Learn more about sending money with Zelle.

Electronic Cash Management (ECM): Make transfers from your accounts at other financial institutions to your GECU checking,6 savings or loan accounts. One-time funds transfer or loan payments from an external account are charged a $15 convenience fee. Learn more about making transfers or loan payments from an external account or call toll-free at 1.800.772.4328.

Setting up your direct deposit with us is easy and convenient! Set up your direct deposit today.

Order checks online or by visiting any location. You’ll need your account number, ZIP code and the GECU routing number.

If you would like to refinance your loan,3 you can apply online or by calling toll-free at 1.800.772.4328.

We offer competitive rates for products like savings accounts, checking accounts, credit cards, personal loans and more. Learn more about our rates.

We offer coin sorter machines at certain locations. Coin sorter usage is free for youth account members when the money is deposited into their youth account. There is an 8% fee for members and a 13% fee for nonmembers.

What is GECU’s routing number?

GECU’s routing number is 312081089.

How do I create my online banking account?

Signing up for online banking is easy. For first-time users, your member number is your “User ID.” Both your member number and password are provided to you during account opening. If you forgot your “User ID,” we can help you access your account. For any questions, please contact us by using the GECU Chat or by calling toll-free at 1.800.772.4328.

Where can I download the GECU Mobile App?

The mobile app1 can be downloaded on your mobile devices by visiting your app store. Download the GECU Mobile App from the Apple App Store now or download the GECU Mobile App from Google Play.

How can I make a loan payment from another bank account?

Make transfers from your accounts at other financial institutions to your GECU loan accounts. One-time funds transfer or loan payments from an external account are charged a $15 convenience fee. Learn more about making transfers or loan payments from an external account or call toll-free at 1.800.772.4328.

How can I replace my debit card?

Ordering a replacement debit card7 is simple!

1. Log in to your online banking account.
2. Hover over the “Financial Tools” tab, and then click on “Order Debit Card.”
3. Follow the prompts and select the design of your choice — the green GECU Empowerment, El Paso Chihuahuas or El Paso Locomotive FC debit card.7
4. You’re all done — your new debit card will arrive in the mail in the next seven days!

You can also order a replacement or report a lost/stolen debit card by calling 1.800.810.2252 or by visiting any of our locations. A $5.00 fee applies to debit cards instantly issued.

How can I choose my debit card design?

You can choose a debit card design by logging in to your online banking account. Hover over the “Financial Tools” tab, and then, click “Order Debit Card.” Follow the prompts and select the debit card design of your choice — the green GECU Empowerment, El Paso Chihuahuas, or El Paso Locomotive FC debit card.7 You can visit any GECU location and speak to a representative to get an instant-issue debit card for a $5.00 fee. Another option is to call 1.800.810.2252 and wait 7–10 days to get a replacement with no fee.

Report fraudulent activity

If you have become a victim of fraud and your account information has been compromised, please call us immediately at 1.800.772.4328.

If your GECU debit or credit card has been compromised, please call our card services department immediately at 1.800.772.2252.

We can guide you through the process of filing a fraud or dispute investigation based on the fraudulent activity that’s being reported.12

Generally, the dispute will proceed but is not limited to the following steps:
  • We will begin investigating your dispute as soon as you notify us.
  • We may close your account or card to prevent additional fraudulent activity.
  • We may request you to provide and complete supplemental documentation.
  • As determined by the investigation, GECU may issue a provisional credit to your account within 10 business days from the date that the dispute is initially received.
  • If your claim is determined to be valid, the provisional credit that has been issued becomes permanent, and the claim will be closed and completed.
  • If your claim is determined to be invalid, you must return the provisional credit and GECU will debit your account for the entire amount of the provisional credit.
  • GECU follows regulatory requirements of time limits for investigations. Generally, the entire process could take up to 90 days for a fraud investigation and up to 120 days for a dispute investigation.  
  • Once the investigation is complete, you will be notified in writing.
  • Remember that your GECU debit and credit card are backed by Mastercard Zero Liability.13

For more information, call 1.800.772.4328 or chat with us now.

How can I file a transaction dispute on a debit card or credit card?


Your account security is important to us! File a transaction dispute on an unauthorized GECU debit or credit card charge by calling the card services department at 1.800.772.2252.

We can guide you through the process of filing a fraud or dispute investigation based on the fraudulent activity that’s being reported.

Generally, the dispute will proceed but is not limited to the following steps:

  • We will begin investigating your dispute as soon as you notify us.11
  • We may close your account or card to prevent additional fraudulent activity.
  • We may request you to provide and complete supplemental documentation.
  • As determined by the investigation, GECU may issue a provisional credit to your account within 10 business days from the date that the dispute is initially received.
  • If your claim is determined to be valid, the provisional credit that has been issued becomes permanent, and the claim will be closed and completed.
  • If your claim is determined to be invalid, you must return the provisional credit and GECU will debit your account for the entire amount of the provisional credit.
  • GECU follows regulatory requirements of time limits for investigations. Generally, the entire process could take up to 90 days for a fraud investigation and up to 120 days for a dispute investigation.
  • Once the investigation is complete, you will be notified in writing.
  • Remember that your GECU debit and credit card are backed by Mastercard Zero Liability.10

For more information, call 1.800.772.4328 or chat with us now.

How do I report a lost debit card or credit card?

To report a lost or stolen debit or credit card, please call our card services department at 1.800.810.2252. Make sure to keep an eye out on your account and purchases by logging in to your online banking account or the mobile app. If you need to dispute a transaction, let the card services department know when you report your card as lost or stolen. For more information, call toll-free at 1.800.772.4328 or chat with us now.

How do I access my account if I forgot my username or password?

If you forgot your GECU Online Banking user ID or password, we can help you access your user ID or reset your password. For any questions, please call toll-free at 1.800.772.4328. Remember — never give out your information or one-time passcode.

How do I pay bills using Bill Pay?

To sign up for online Bill Pay, log in to online banking, click the Bill Pay tab and complete and submit the setup form. For any questions, please call toll-free at 1.800.772.4328.

Where and how can I make a check deposit?

You can deposit checks quickly and easily using our mobile app or at any of our real-time deposit taking ATMs throughout El Paso, Texas.2 Watch this quick step-by-step video to learn how to make a check deposit with our mobile app.

How can I transfer money to another account?

Setting up automatic transfers with online banking can help you develop a healthy savings habit or pay off loans! Here are the types of transfers that you can make with a GECU account:

Between your GECU accounts: Transfer money anytime between any of your GECU accounts.

Zelle®5: Use Zelle®on the GECU Mobile App1 to send money to friends, family and others you trust. Learn more about sending money with Zelle®.

Electronic Cash Management (ECM): Make transfers from your accounts at other financial institutions to your GECU checking,6 savings or loan accounts. One-time funds transfer or loan payments from an external account are charged a $15 convenience fee. Learn more about making transfers or loan payments from an external account or call toll-free at 1.800.772.4328.

How do I set up my direct deposit?

Setting up your direct deposit with us is easy and convenient! Set up your direct deposit today.

Where can I order checks?

Order checks online or by visiting any location. You’ll need your account number, ZIP code and the GECU routing number.

How do I refinance my loan?

If you would like to refinance your loan,3 you can apply online or by calling toll-free at 1.800.772.4328.

What are GECU’s rates?

We offer competitive rates for products like savings accounts, checking accounts, credit cards, personal loans and more. Learn more about our rates.

Does GECU have a coin machine?

We offer coin sorter machines at certain locations. Coin sorter usage is free for youth account members when the money is deposited into their youth account. There is an 8% fee for members and a 13% fee for nonmembers.

Enroll

Our online banking services give you instant 24/7 access to your accounts and money — enroll today!

Signing up for online banking is easy! For first-time users, your member number is your user ID. Both your member number and password are provided to you during account opening.

If you forgot your user ID, you can easily reset it online. For any questions, please contact us by using the GECU Chat or by calling toll-free at 1.800.772.4328.

Forgot username or password

If you forgot your online banking user ID or password, we can help access your account. Access your user ID or reset your password now!

For any questions, please contact us by using the GECU Chat or by calling toll-free at 1.800.772.4328.

Remember — never give out your account information or one-time passcodes to strangers.

GECU Mobile App

Our mobile banking services are a free,1 convenient, easy-to-use and secure way to get 24/7 access to your accounts and money. Download the GECU Mobile App to your mobile devices today!

What can I do with the mobile app?

  • • Check account balances
  • • Transfer money to family and friends with Zelle®
  • • Make mobile check deposits2
  • • Apply for loans and credit cards3
  • • Make transfers between your GECU accounts
  • • Pay your bills
  • • Find your nearest GECU ATM or location


How do I get the mobile app?

Download the GECU Mobile App from the App Store.


Download the GECU Mobile App from Google Play.

Manage Your Cards with Card Control

We’re here to help you protect your accounts and reach your goals by giving you more control over your GECU debit and credit cards. Enrolling in Card Control12 lets you decide when, where and how your cards are used. Enjoy some extra peace of mind and enroll in Card Control today!


  • Turn misplaced cards on and off instantly
  • Limit spending amounts
  • Receive spending-limit alerts
  • Restrict purchases based on location, merchant or specific items

HOW TO ENROLL IN CARD CONTROL

Follow these simple steps to start controlling your debit and credit cards!


  1. Log in to GECU online banking or the mobile app.
  2. Find Card Control by clicking the “Text and Card Alerts” tab in online banking or by tapping the “More” button in the mobile app.
  3. Agree to the terms and conditions.
  4. View your active cards and start setting up your card controls — it’s that easy!

Zelle® Payments

Sending money to friends and family with Zelle® is fast, safe and easy!

Money moves from account to account with no stops in between and is typically available in minutes.4 Send money to those you trust — regardless of where they bank5 — with the same security that you expect from GECU.

All you need is the recipient’s email address or U.S. mobile phone number to begin a transfer with Zelle® on the GECU Mobile App.1 Follow these steps to get started:

  1. Log in to the mobile app.
  2. Select “Send Money With Zelle®” in the “More” tab.
  3. Enroll your U.S. mobile phone number or email address.
  4. Send money to almost anyone that you know and trust.

Watch this quick step-by-step video on how to use Zelle®!

Payment & money transfers

Setting up automatic transfers with GECU Online Banking can help you develop a healthy savings habit or pay off loans!

Types of transfers that you can make with a GECU account:

Between your GECU accounts: Transfer money at any time between any of your GECU accounts.

Zelle®: Use Zelle® on the GECU Mobile App1 to send money to friends, family and others you trust. Learn more about Zelle®.

Electronic Cash Management (ECM): Make transfers from your accounts at other financial institutions to your GECU checking,6 savings or loan accounts. One-time funds transfer or loan payments from an external account are charged a $15 convenience fee. Call toll-free at 1.800.772.4328 for more assistance.

Mobile Wallet

Add your GECU debit cards and credit cards to the mobile wallet on your smartphone or smart watch for quick, easy and convenient on-the-go purchases.

Why should I add my debit and credit cards to my mobile wallet?

- Enjoy secure contactless payments in store and online

- Check out on online purchases quicker

- You can safely make purchases even if you forgot your card at home


Watch this video to learn more about how to use your GECU cards on your mobile wallet!

Bill Pay

Pay your bills quickly, safely and easily from anywhere you are with Bill Pay!

What can I do with online Bill Pay?

-Add payees

-Make payments

-Set up an eBill

-Set up due date reminders

-Keep track of bills in one place


To sign up for online Bill Pay, log in to GECU Online Banking, click the Bill Pay tab, then complete and submit the setup form. You must have a GECU checking account to sign up.

GECU credit card online banking

Easily manage your GECU credit card with online banking!

-Review your account activity

-Make credit card payments

-View billing statements

-Transfer your high-interest-rate credit card balances to a GECU credit card

-Sign up to receive eStatements


Log in to GECU Online Banking.

Set up account and card alerts

Your account security is one of our main priorities! You can add an extra layer of safety when you set up account or text card alerts.

Account text alerts1:
Sign up to receive online banking alerts via text message or email to be notified of large deposits or withdrawals, loan payment reminders, and balance updates on your accounts.

To create an account text alert, follow these steps:

1. Log in to online banking and click on the “Text & Card Alerts” tab.
2. Select “Account Text Alerts” from the drop-down menu.
3. Update your email and/or phone number and click “Activate.”
4. Enter the verification code sent to your mobile phone into the text alert agreement box and click “Accept.”
5. Check the box next to email and/or text according to your preferences.
6. You’re all set!

Transaction alerts service for credit and debit cards:
Set up custom alerts for certain transaction types and dollar amounts, international purchases, online and phone purchases when the card is not physically present and declined transactions on your GECU cards.

To create a card alert, follow these steps:

1. Log in to online banking and click on the “Text & Card Alerts” tab.
2. Select “Card Activity Alerts” from the drop-down menu.
3. Click the “Register/Manage” tab or button.
4. Enter your card number and follow the prompts.
5. You’re all set — you may update your alerts at any time!

eStatements

Receive your monthly bank statements online and save $1 on mail statement fees!

GECU Money Management

GECU’s money management online-budgeting tool is easy to use! Track your expenses and build budgets that can help you save money and strengthen your financial skills.

Access our money management tool now! Log in to your GECU Online Banking account, hover over the “Financial Tools” tab and click on “Money Management.”

Start managing your money!

Compatible Browsers

To maintain your account’s security and to enjoy the best-possible online banking experience, please make sure that your internet browser is up to date.

Supported browsers
Google Chrome
Mozilla Firefox
Apple Safari
Microsoft Edge

Learn more about our online banking experience.

Deposit checks

Make check deposits on your time and on the go from anywhere you are!

You can deposit checks quickly and easily using our mobile app or at any of our real-time deposit-taking ATMs throughout El Paso, Texas.2 Find your nearest GECU ATM location.

Watch this quick step-by-step video to learn how to easily deposit checks with our mobile app:

 

Mobile wallet

Add your GECU debit cards and credit cards to the mobile wallet on your smartphone or smart watch for quick, easy and convenient on-the-go purchases.

Why should I add my GECU debit and credit cards to my mobile wallet?

-Enjoy secure contactless payments in store and online

-Check out on online purchases quicker

-You can safely make purchases even if you forgot your card at home


Watch this video to learn more about how to use your GECU cards on your mobile wallet!

 

 

GECU ATMs

Make cash and check deposits or withdrawals 24/7 at any real-time deposit-taking GECU ATM throughout El Paso, Texas.2

There are also 80,000+ surcharge-free ATMs9 nationwide that you can use while you’re on the go.

Find your nearest GECU ATM.

Manage Your Cards with Card Control

We’re here to help you protect your accounts and reach your goals by giving you more control over your GECU debit and credit cards. Enrolling in Card Control12 lets you decide when, where and how your cards are used. Enjoy some extra peace of mind and enroll in Card Control today!


  • Turn misplaced cards on and off instantly
  • Limit spending amounts
  • Receive spending-limit alerts
  • Restrict purchases based on location, merchant or specific items

HOW TO ENROLL IN CARD CONTROL

Follow these simple steps to start controlling your debit and credit cards!


  1. Log in to GECU online banking or the mobile app.
  2. Find Card Control by clicking the “Text and Card Alerts” tab in online banking or by tapping the “More” button in the mobile app.
  3. Agree to the terms and conditions.
  4. View your active cards and start setting up your card controls — it’s that easy!

Order a replacement debit card

Ordering a replacement debit card7 is simple!

1. Log in to your GECU Online Banking account.
2. Hover over the “Financial Tools” tab, and then, click on “Order Debit Card.”
3. Follow the prompts and select the design of your choice — the green GECU Empowerment, El Paso Chihuahuas or El Paso Locomotive FC debit card. Additional fee may apply to special card designs.
4. You’re all done — your new debit card will arrive in the mail in the next seven days!

I need a new debit card today, what can I do?
If you need a replacement GECU debit card quickly, visit any of our locations and speak to a representative to get an instant-issue debit card for a $5 fee.

For more information, call 1.800.772.4328 or chat with us now. If you need to report a lost/stolen card, call 1.800.810.2252.

How do I get a replacement GECU credit card?
To order a replacement or report a lost/stolen GECU credit card, please call 1.800.810.2252.

Set up your debit card PIN

Let’s get your debit card PIN set up! Before setting up your PIN, make sure that your GECU debit card is activated.

To set up your PIN, please call 1.888.891.2435 from a phone number that GECU has on file for you, enter your debit card number and follow the prompts.

Report fraudulent activity

If you have become a victim of fraud and your account information has been compromised, please call us immediately at 1.800.772.4328.

If your GECU debit or credit card has been compromised, please call our card services department immediately at 1.800.772.2252.

We can guide you through the process of filing a fraud or dispute investigation based on the fraudulent activity that’s being reported.12

Generally, the dispute will proceed but is not limited to the following steps:
  • We will begin investigating your dispute as soon as you notify us.
  • We may close your account or card to prevent additional fraudulent activity.
  • We may request you to provide and complete supplemental documentation.
  • As determined by the investigation, GECU may issue a provisional credit to your account within 10 business days from the date that the dispute is initially received.
  • If your claim is determined to be valid, the provisional credit that has been issued becomes permanent, and the claim will be closed and completed.
  • If your claim is determined to be invalid, you must return the provisional credit and GECU will debit your account for the entire amount of the provisional credit.
  • GECU follows regulatory requirements of time limits for investigations. Generally, the entire process could take up to 90 days for a fraud investigation and up to 120 days for a dispute investigation.  
  • Once the investigation is complete, you will be notified in writing.
  • Remember that your GECU debit and credit card are backed by Mastercard Zero Liability.13

For more information, call 1.800.772.4328 or chat with us now.

Report a lost or stolen card

To report a lost or stolen debit or credit card, please call our card services department at 1.800.810.2252.

Make sure to keep an eye on your account and purchases by logging in to your online banking account or using the mobile app. If you need to dispute a transaction, let the card services department know when you report your card as lost or stolen.

For more information, call 1.800.772.4328 or chat with us now.

Dispute a transaction

Your account security is important to us! File a transaction dispute on an unauthorized GECU debit or credit card charge by calling the card services department at 1.800.810.2252.

Generally, the dispute will proceed but is not limited to the following steps:
  • We will begin investigating your dispute as soon as you notify us.
  • We may close your account or card to prevent additional fraudulent activity.
  • We may request you to provide and complete supplemental documentation.
  • As determined by the investigation, GECU may issue a provisional credit to your account within 10 business days from the date that the dispute is initially received.
  • If your claim is determined to be valid, the provisional credit that has been issued becomes permanent, and the claim will be closed and completed.
  • If your claim is determined to be invalid, you must return the provisional credit and GECU will debit your account for the entire amount of the provisional credit.
  • GECU follows regulatory requirements of time limits for investigations. Generally, the entire process could take up to 90 days for a fraud investigation and up to 120 days for a dispute investigation.  
  • Once the investigation is complete, you will be notified in writing.
  • Remember that your GECU debit and credit card are backed by Mastercard Zero Liability.13

For more information, call 1.800.772.4328 or chat with us now.

Set up card transaction alerts service

Your account security is one of our main priorities! You can add an extra layer of safety when you set up card alerts.

Set up custom alerts for certain transaction types and dollar amounts, international purchases, online and phone purchases when the card is not physically present, and declined transactions on your GECU cards.

To create a card alert, follow these steps:

1. Log in to your online banking account and click on the “Text & Card Alerts” tab.
2. Select “Card Activity Alerts” from the drop-down menu.
3. Click the “Register/Manage” tab or button.
4, Enter your card number and follow the prompts.
5. You’re all set — you may update your transaction alerts service at any time!

How to order checks

Ordering checks is easy and convenient! Get the most out of your personal checking account.

Order checks now or visit any location. You’ll need your account number and ZIP code and the GECU routing number.

GECU’s routing number is: 312081089.

Deposit

Make check deposits on your time and on the go from anywhere you are!

You can deposit checks quickly and easily using our mobile app or at any of our real-time deposit-taking ATMs throughout El Paso, Texas.2 Check deposits are subject to the funds availability policy. Not available for GECU Second Chance Checking accounts. Find your nearest GECU ATM.

Watch this quick step-by-step video to learn how to easily deposit checks with the GECU Mobile App.

Zelle® Payments

Sending money to friends and family with Zelle® is fast, safe and easy!

Money moves from account to account with no stops in between and is typically available in minutes.4 Send money to those you trust — regardless of where they bank5 — with the same security that you expect from GECU.

All you need is the recipient’s email address or U.S. mobile phone number to begin a transfer with Zelle® on our mobile app. Follow these steps to get started:


  1. Log in to your GECU Mobile App.
  2. Select “Send Money With Zelle®” in the “More” tab.
  3. Enroll your U.S. mobile phone number or email address.
  4. Send money to almost anyone that you know and trust.

Watch this quick step-by-step video on how to send money online with Zelle®!


Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Skip a loan payment

We understand that life happens! If you can’t make a loan payment, you may request to skip a loan payment10 by filling out a loan extension application. 

 

Once you fill out and submit the form, a loan officer will contact you. There is a processing fee of $15 to skip a loan payment.

 

To see if your loan qualifies for an extension or to get more information, call toll-free at 1.800.772.4328.

Making credit card or loan payments

Making payments on your GECU loans or credit cards is seamless and convenient with online banking and the mobile app. Make the process even easier when you set up automatic payments — you’ll avoid late fees!

Make a payment now by logging in to your online banking or mobile banking account. Then, click or tap on the “Transfer” tab, select “Scheduled,” and follow the prompts.

Request a wire transfer

We work hard to help you make money transfers! You can make wire transfers to or from another financial institutions during the same business day if they are made before the cutoff time of noon Monday–Friday.

 

What do I need to request a wire transfer?

  • • The beneficiary financial institution’s name, physical address and routing number
  • • The beneficiary account holder’s name, physical address and account number
  • • Applicable outgoing or incoming wire transfer service fees apply

Call our contact center toll-free at 1.800.772.4328, or visit any GECU location to request a wire transfer.

Loan payments from external accounts

Web portal payments can be made with a credit or debit card. To use this service, you’ll need to create an account. To make your payment, you’ll need your member number, your date of birth and the last four digits of your Social Security number. There is a $5 convenience charge for this service. 

Pay-by-phone payments can be made using a touchtone phone. You’ll need your loan number and ZIP code to make your payment. There is a $5 convenience charge for this service. Please call toll-free at 1.800.772.4328, and press 2 to make a payment by phone.

You can set up a recurring payment from the account of your choice. There is a one-time charge of $5 for this service through the web portal. If you stop the recurring payment and set it up again at a later date, you will need to pay the convenience charge again. 

If you’d like to make a payment from an account at another financial institution through a GECU Contact Center representative, there is a $15 charge for each transaction.

Cashier’s checks

Cashier’s checks are a secure payment method for rent, contractors, etc. You can get a cashier’s check by visiting any GECU location. There is a $5 service fee for each cashier’s check.

 

What do I need to be issued a cashier’s check?

  • The recipient’s name.

Find your nearest GECU location.

Direct deposit

Setting up your direct deposit with us is easy and convenient!

 

How do I set up my direct deposit?

You’ll need to provide your employer with a direct deposit letter. Follow these simple steps to get your direct deposit letter.

 

1. Log in to your online banking account.

2. Hover over the “Financial Tools” tab, and then click on “Direct Deposit Letter.”

3. Verify that your information is correct (i.e., name and address).

4. Select the account type that you want your paycheck deposited into.

5. Select the account number.

6. Click “Print” and you’re all done!

You may print the letter or save it as a .PDF file to send electronically.

 

For questions, contact us by using our online chat or by calling toll-free at 1.800.772.4328.

GECU ATMs

Make cash and check deposits or withdrawals 24/7 at any real-time deposit-taking GECU ATM throughout El Paso, Texas.2

 

There are also 80,000+ surcharge-free ATMs nationwide that you can use while you’re on the go.

 

Find your nearest GECU ATM.

Business services

Business members can log in to their online business account6 to make domestic and international wire transfers. 

One-time and recurring payments are fast, easy and secure. Funds can be transferred to or from another financial institution on the same business day if the wire transfer is made before the cutoff time Monday–Friday. 

Domestic wire transfer requests must be received by noon. 
International wire transfer requests must be received by 1 p.m.

Follow these steps to set up a wire transfer and start transferring funds:

  1. 1. Log in to your business account on GECU Online Banking.
  2. 2. Hover over “Move Money” in the main navigation menu, and click “Make/Collect a payment.” 
  3. 3. Click “Make Payments.” 
  4. 4. Choose “Make a one-time payment” from the drop-down menu.
  5. 5. Select the funding account and payment type, and then, type in a payment name.
  6. 6. Type the beneficiary’s name, address, account number, a message to the beneficiary and the purpose of the wire transfer.
  7. 7. Type the beneficiary’s bank routing number and message to the beneficiary financial institution. If included in your wire transfer instructions, type an intermediary bank routing number and account number.
  8. 8. Type the wire transfer amount, select a delivery date and click “Continue to review.”
  9. 9. Review the details, and then click “Pay” after ensuring that the information is accurate.

Once you have made the payment, we’ll let you know that the wire transfer is scheduled and submitted for approval. The process for international wire transfers is similar to domestic wires. Applicable outgoing or incoming wire transfer service fees apply.

Cash management services

Cash management is a convenient, reliable, and easy-to-use tool that helps you organize and manage the daily financial needs of your business 24/7!

Control your everyday business activities with:

 

To set up your online access for your cash-management account, call 1.800.772.4328. Get helpful tips and tools on how to access your cash-management account.

Domestic & international wire transfers

Business members can log in to their online business account6 to make domestic and international wire transfers. 

One-time and recurring payments are fast, easy and secure. Funds can be transferred to or from another financial institution on the same business day if the wire transfer is made before the cutoff time Monday–Friday. 

Domestic wire transfer requests must be received by noon. 
International wire transfer requests must be received by 1 p.m.

Follow these steps to set up a wire transfer and start transferring funds:
  1. 1. Log in to your business account on GECU Online Banking.
  2. 2. Hover over “Move Money” in the main navigation menu, and click “Make/Collect a payment.” 
  3. 3. Click “Make Payments.” 
  4. 4. Choose “Make a one-time payment” from the drop-down menu.
  5. 5. Select the funding account and payment type, and then, type in a payment name.
  6. 6. Type the beneficiary’s name, address, account number, a message to the beneficiary and the purpose of the wire transfer.
  7. 7. Type the beneficiary’s bank routing number and message to the beneficiary financial institution. If included in your wire transfer instructions, type an intermediary bank routing number and account number.
  8. 8. Type the wire transfer amount, select a delivery date and click “Continue to review.”
  9. 9. Review the details, and then click “Pay” after ensuring that the information is accurate.

Once you have made the payment, we’ll let you know that the wire transfer is scheduled and submitted for approval. The process for international wire transfers is similar to domestic wires. Applicable outgoing or incoming wire transfer service fees apply.

Merchant services

Your credit card payments are processed seamlessly at GECU through our reputable merchant service provider CardConnect® Pro!

CardConnect Pro offers:

  • • A full suite of credit card terminals
  • • Next-day funding
  • • Mobile-app and mobile-chip card readers
  • • eCommerce and online processing
  • • POS systems
  • • 24/7 customer service
  • • Easy online application process
  • • Special low rates and fees

You can submit an online inquiry request now, call 1.800.948.6457 or email sales@cardconnectpro.com.

Credit union location services

With almost 30 locations throughout El Paso, Texas, you might find a GECU location near where you live or work! 

Plus, online and mobile banking gives you 24/7 access to services like mobile check deposits, viewing account transactions, making loan payments, sending and receiving money with Zelle® and applying for loans!

Find your nearest GECU location.

ATMs

Make cash and check deposits or withdrawals 24/7 at any real-time deposit-taking GECU ATM throughout El Paso, Texas.

There are also 80,000+ surcharge-free ATMs nationwide that you can use while you’re on the go.

Find your nearest GECU ATM.

Coin counter

Find a coin counter at these GECU locations in El Paso, Texas!

  • • Viscount & Airway
  • • Rojas & Zaragoza
  • • Ysleta & Alameda
  • • Mesa & Doniphan
  • • Dyer & Diana
  • • North Loop & Horizon Boulevard
  • • Vista Del Sol & Yarbrough

Coin-counter usage is free for youth account members when the money is deposited into their GECU youth account. There is an 8% fee for members and a 13% fee for non-members.

Cash advances

Process a cash advance and take cash out from your credit card at any location. You may also process cash advances at GECU ATMs if you know your credit card pin. ATM transaction fees apply when conducting a cash advance at an ATM.

Cashier’s checks

Cashier's checks are a safe method to transfer money with payment guarantee for the payee.

 

$5 fee for cashier's checks from a personal account

$5 fee for cashier's checks from business accounts

Learn more by using our online chat.

 

Safe deposit boxes

Store your documents and other valuables in one of our safe deposit boxes!10

Find a safe deposit box at the GECU Branch at Viscount and Airway, 7227 Viscount Blvd., located in El Paso, Texas. The hours of operation for safe deposit boxes are 9:30 a.m.–5 p.m. MST Monday–Friday, and 9 a.m.–noon MST on Saturdays.

We offer different safe deposit box sizes!

  • • 3x5x22
  • • 3x10x22
  • • 5x10x22
  • • 10x10x22

To learn more or to get our safe deposit box rates, call toll-free at 1.800.772.4328, or visit our Viscount and Airway location in El Paso, Texas.

Notary services

GECU offers notary services at all of our locations throughout El Paso, Texas! Find your nearest location.

Make sure to bring your valid government photo ID along with the document that you need notarized!

Medallion signature guarantee

A medallion signature guarantee confirms your identity, signature and legal authority to transfer securities.

When moving securities to a new account like a 401(k); when transferring a share of stock as a gift to a child; or when the owner of the securities has passed away and ownership needs to be transferred to a court-appointed representative, a medallion signature guarantee is a common requirement.

We offer medallion signature guarantee services at the following locations in El Paso, Texas:

  • • GECU Operations Center — 1225 Airway Blvd.
  • • Viscount & Airway location — 7227 Viscount Blvd.
  • • Rojas & Zaragoza location — 11987 Rojas Drive
  • • Dyer & Diana location — 9435 Dyer St.

Domestic wire transfers

We work hard to help you in any way we can! You can make a wire transfer to or from another financial institution during the same business day if they are made before the cutoff time of noon MST Monday–Friday.

What do I need to request a wire transfer?

  • • The beneficiary financial institution’s name, physical address and routing number
  • • The beneficiary account holder’s name, physical address and account number

Applicable outgoing or incoming wire transfer service fees apply.


Call the contact center toll-free at 1.800.772.4328 or visit any GECU location to request a wire transfer.

Free tax services

We partner with the Volunteer Income Tax Assistance (VITA) program that offers free tax preparation in person or through electronic tax filing to hardworking families in El Paso, Texas!

Learn more and find out what to bring by dialing 211.

Become a VITA volunteer
We also recruit volunteers to help local families get the most from their tax refund every year! We provide FREE training — in English or Spanish — and you’ll be able to make a difference in your community.

VITA tax services are free for qualifying households. Learn more about becoming a volunteer by contacting Bianca Arciniega at _VITA@gecu.com or by calling 915.774.2160.

Hours of operation

Find your nearest GECU location in El Paso, Texas!

GECU Neighborhood BranchSM Locations
Monday–Friday: 9 a.m.–5 p.m. MST
Saturdays: 10 a.m.–2 p.m. MST

Drive-up Personal Tellers/ATMs
Monday–Friday: 9 a.m.–6 p.m. MST
Saturdays: 10 a.m.–2 p.m. MST

Viscount & Airway Location
Rojas & Zaragoza Location

Monday–Friday: 9:30 a.m.–5 p.m. MST
Saturdays: 9 a.m.–noon MST

Drive-thru at Viscount & Airway
Drive-thru at Rojas & Zaragoza

Monday–Friday: 8 a.m.–6 p.m. MST
Saturdays: 8:30 a.m.–12:30 p.m. MST

Holiday closings

We will be closed to observe the following holiday schedule.

For your convenience, you can access your accounts 24/7 and during holidays using online banking, the mobile app, and the audio-response system at 1.800.772.4328.

Date Holiday
Monday, January 1, 2024 New Year's Day (Observed)
Monday, January 15, 2024 Martin Luther King Day
Monday, February 19, 2024 Presidents Day
Monday, May 27, 2024 Memorial Day
Wednesday, June 19, 2024 Juneteenth
Thursday, July 4, 2024 Independence Day
Monday, September 2, 2024 Labor Day
Monday, October 14, 2024 Indigenous Peoples' Day
Monday, November 11, 2024 Veteran's Day
Thursday, November 28, 2024 Thanksgiving Day
Tuesday, December 24, 2024 Christmas Eve
Wednesday, December 25, 2024 Christmas Day

DocuSign electronic signature services

With DocuSign, you can easily and safely sign loans and new-account documents electronically from the comfort of your own home!

You’ll get the documents by email. Then, follow the instructions and sign where the tabs indicate. Once you submit the signed document, we’ll automatically receive it! You can also save a copy of the document for your records.

If you have any questions regarding your loan documents, please email myloans@gecu.com or call 1.800.772.4328.

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Membership eligibility is required.
1Standard text-messaging and data rates may apply through the wireless carrier.
2Check deposits are subject to the funds availability policy. Not available for GECU Second Chance Checking accounts.
3Subject to credit qualification and approval. Other conditions apply.
4Transactions typically occur in minutes when the recipient’s email address or U.S. mobile phone number is already enrolled with Zelle®.
5Must have a bank account in the U.S. to use Zelle®.
6Must have a GECU share account to open a checking account. A one-time deposit of $10 in a GECU share account is all it takes.
7Debit card is available with checking accounts. Fee may apply to special card designs.
8This service is being offered by GECU in collaboration with SavvyMoney Inc. The provided credit score and credit report are not used for determining credit qualification or approval on any GECU loans that you apply for.
9Transaction fees may be charged by owner of non-GECU ATMs.
10Interest and life/disability insurance premium will continue to accrue during the period when no payment is made. Skipping a payment will extend the loan’s maturity date. Other conditions apply.
11Insurance coverage is not provided on your safe deposit box contents by the National Credit Union Share Insurance Fund (NCUSIF) or GECU.
12Intermittent disruptions as a result of network performance issues and outages beyond our control may delay card control service functionality.
13To limit your liability and additional fraud on your account, you must report a fraudulent or disputed transaction within 60 calendar days of the delivery date of the statement on which the transaction first appears. Additional conditions apply. Refer to your GECU terms and conditions for details.
14Under Mastercard® Zero Liability policy, you will not be liable for an unauthorized transaction, as long as you exercised reasonable care in safeguarding the card from risk of loss or theft, and upon becoming aware, promptly report the loss or theft to us; otherwise, your liability will be determined by the GECU terms and conditions.

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