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ATMs & Debit Card FAQs

GTE Financial members can use a vast network of more than 28,000 free ATMs across the US and Canada. This network is called the CO-OP network. Any ATM on this network is free to use.

How do I find a free ATM?

There are several ways you can locate a free ATM. Find a location in seconds!

Do I have to apply for a reimbursement?

No. If you use one of our free CO-OP ATMs, you simply insert your card and handle your transaction. You will not be charged a fee. For ATMs that do require a fee, there will be an additional screen letting you know that a fee will be assessed.

How much money can I withdraw?

At GTE Financial ATMs, you can withdraw up to $500 from your checking account per 24 hour period. Withdraw limits will vary at ATMs not owned by GTE.

What if I lost my card?

If your card is lost or stolen, contact us right away at 813.871.2690 or toll-free at 1.888.871.2690 Monday through Friday 7:30am - 6:00pm and Saturday 9:00am - 1:00pm. For after-hours please call 1.800.449.7728.

Does my card cost money to replace?

There is a nominal replacement card fee. View our Schedule of Current Charges. However, if you’re a Member Advantage member, the fee is waived.

Why is there a hold on my deposit made via an ATM machine?

All check deposits made at the ATM are subject to a hold, with a minimum of $200 available the next business day and the balance fully available no later than the second business day after the deposit is made.

I am traveling and my debit/credit card is not working. Why?

For security measures, when traveling outside of your normal spending area (out of state or country), your card will need to be "unblocked" to be approved for purchases.

To unblock your card:

  • Click on ‘Forms’ under Resources from the main navigation menu in Online Banking and then click on the link ‘Request to Unblock a Card’.
  • Never logged into Online Banking, click here to get started.
My debit card is expired and a new card has not been sent to me.

All cards up for renewal will be shipped within 7 to 10 business days before the expiration date. For example, if your card has an expiration date of 03/12, the renewal card will be sent at the end of March for you to begin using on April 1st. If it has been more than 10 business days, please contact Member Care at 813.871.2690 or toll-free at 1.888.871.2690.

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