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Checking FAQs

Account Change Questions

When was I notified of my account update?

Members were notified about the details of their account update between May 8th and June 5th. All members were send their official Change in Terms letter by mail to the address that has been provided to GTE Financial.

Need to change your address? Simply log into Online Banking at gteonline.org and click on your name under your display photo in the top left corner. (Ex. “HELLO SHANNON”) Under My Information, you can change your address on file by clicking Edit Contact Information.

I don't think I received a letter notifying me of these changes

All members have been send an official Change in Terms letter with full details on how their account is being changed. This letter was sent to the member’s address on file with us. Upon logging in to Online Banking, members were also provided a reminder message during the week of July 10th.

Need to change your address? Need to change your address? Simply log into Online Banking at gteonline.org and click on your name under your display photo in the top left corner. (Ex. “HELLO SHANNON”) Under My Information, you can change your address on file by clicking Edit Contact Information.

Why is GTE Financial no longer offering Free Checking?

As a not-for-profit credit union, GTE seeks to put our members first. With identity theft on the rise, GTE is working to serve our members and protect their financial well-being. GTE has invested in Go Premium with GTE Secure, which offers 3-in-1 credit file monitoring, identity theft resolution and $10,000 in fraud expense reimbursement coverage, and even monitoring of identity theft for your family, including your spouse and children!
In addition to all of these great benefits, Go Premium with GTE Secure also offers Cell Phone Protection for up to three phones for eligible family members. Finally, for those whose insurance doesn’t cover it all, GTE offers a health discount card that can save you money on medical expenses outside of your insurance policy.
You can take advantage of all of these benefits for only $4.95 a month AND ALSO earn up to 2% on balances up to $3,000. We are confident this package of benefits will outweigh this low cost.

Will my account number or debit card number of my checking account change?

On July 10th, your account name will change to Go Premium with GTE Secure, but your account number and debit card number WILL NOT CHANGE. We have made this transition easy for you!

What if I am not interested in the Go Premium account?

We are confident that our members will love the features included in the Go Premium with GTE Secure checking account. This account is loaded with new features our members have been asking for:
• Updated credit reports every 90 days + alerts when something changes
• Non-financial monitoring, like a social security number – we look for unusual activity and alert you (you can even track your child’s information)
• A dedicated fraud resolution expert that will assist in fixing issues from start to finish
• Up to 10,000 in fraud expense reimbursement
• Cell phone protection for broken or stolen phones – up to 3 devices
• And 2.00% APY up to $3,000 per year ($60 in free money)
We are so sure you will love Go Premium with GTE Secure that we are offering members a three-month risk-free trial. If you try Go Premium with GTE Secure and decide at any point that you would rather switch to another account, GTE will refund you the $4.95 cost. Have questions about Go Premium with GTE Secure? Simply contact us at 813.871.2690 and we can chat with you about your options.

When will my first account charge occur?

For members who migrate into our Go Premium with GTE Secure account on July 10th, the first account charge will occur on August 10, 2018.

If you move to a Go Full Access account on July 10th, your first charge will occur on September 10th.

How will the account charge occur?

The Go Premium with GTE Secure cost of $4.95 will be charged to the member’s Go Premium with GTE Secure account. If your account migrated to Go Premium on July 10th, your first change will occur on August 10th and will be charged on the 10th every month thereafter.

Can I set up an account alert so I know the account charge will be covered?

Members can set up account balance alerts by logging in to Online Banking at gteonline.org. Under the “Security” tab, hover over “Alerts” and click “Notifications”. Click to add a new account balance notification under “Account Balance”. This alert will let you know each month if your account is lower than any amount you set.

Can I use Go Points to cover my account charge?

Yes! Simply log into Online Banking at gteonline.org and click on Go Points, where your point balance is featured. This will direct you to the Go Points portal.

You will see a header with a drop down menu labeled “Redeem Points”. Hover over this and select “Go Points Offers”. On this page, you will be able to select the Go Premium reimbursement.

Go Premium Checking

What benefits are included with GTE Secure?

Your Go Premium Checking with GTE Secure keeps our member’s financial safety top of mind. Below is a list of the great features of GTE Secure.

  • With just 1 Go Premium Account – these benefits apply to your immediate family 
  • Simply register in GTE Online Banking to Activate
    • Credit File Monitoring - daily credit file monitoring and automated alerts of key changes to your Experian®, Equifax® and TransUnion® credit reports
    • 3-in-1 Credit Report - request new report every 90 days or upon receipt of a credit alert
    • Total Identity Monitoring - monitoring of over 1,000 databases including credit, Social Security, public records, real property records, telephone and many others
    • Credit Score - receive new single bureau credit score3 with every new credit report
    • Debit and Credit Card Registration
    • Online Identity Theft News Center and Valuable Phone and Web Resources
  • Fully Managed Identity Theft Resolution Services - access to a fraud specialist assigned to manage your case who will work with you until your credit and identity are restored
  • Identity Theft Recovery Case Plan - to inform you of the recovery process
  • Up to $10,000 Identity Theft Expense Reimbursement Coverage
In addition to GTE Secure, what other benefits does my Go Premium Checking offer me?

Get all of these incredible benefits, and share them with your whole family. One account covers up to four people in your immediate family.

    • Cell Phone Protection – Stolen or broken phone? For a $50 deductible, receive up to $300 of coverage per phone, up to 3 phones per year. Simply pay your cell phone bill with your Go Premium Account to receive this benefit. You can easily set-up payment with GTE Bill Pay!
    • Your FREE EMV-equipped Debit Card comes with Go Points and Ampre built in! Learn all the ways you can earn points fast to redeem for great stuff like cash back, gift cards, travel and merchandise. Just 3,000 points = $25!
    • Debit Advantage – Pay with your GTE Debit Card and receive buyer’s protection and extended warranty, covering items for 90 days from the date of purchase against accidental breakage, fire or theft.
    • Need additional account(s)? As primary on 1 Go Premium Account, all your Go Full Access Accounts that you are primary on will be free automatically, without having to meet monthly qualifications.
    • Direct Deposit
    • Member Referral Bonus (Earn 3,000 Go Points!)
    • Plus, you have access to all the convenience services you love!
      • 30,000 FREE ATMs
      • 24/7 Virtual Banking (Online, Mobile or Telephone)
      • Remote Deposit – with the GTE Mobile App
      • Alerts

I’m ready to be reimbursed of my $4.95 monthly fee with my Go Points. How do I do this?

1. Make sure you are signed up for Go Points! Simply log into Online Banking at www.gteonline.org and click on the Go Points banner. After a simple email verification, you’ll be set up and ready to go.

2. Now that you’re set up with Go Points, log in! Locate “Redeem Points” in the main navigation. Select Go Points Offers from the dropdown menu.

3. You will see an option to select “Go Full Access Fee Reimbursement”. Follow the prompts, and your reimbursement will be deposited into the account of your choosing.

Does the triple-bureau credit reporting and the Equifax credit score benefit apply to all immediate family members?

Yes! Simply request your 3-in-1 report. This is available to you and your eligible family members once every 90 days, or upon receipt of a credit alert. Every new report includes your Equifax credit score.

Note: Eligible family includes spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account holder who are residents of the same household.

One of the requirements for my Go Premium account says that I must have $500 in aggregate deposits. What counts as a “deposit”?

In order for you to take advantage of full benefits, you’ll want to deposit at least $500 total in your account within the month. These deposits could come from:

  • A direct deposit (i.e. your employer puts your check directly into your account)
  • Depositing checks or cash at an ATM or ITM
  • A money wire or ACH transfer of cash into the account
My spouse has a GTE checking account. Will my Go Premium or Go Full Access account cost be waived?

Unless your spouse is also the primary owner on both of your checking accounts, this cost will not be waived. Spouses and other eligible family members can take advantage of Go Premium account benefits such as comprehensive identity fraud protection, credit report monitoring, and savings benefits under just one Go Premium account.

Go Full Access Checking

I love my Go Full Access checking, but don’t love the fee. How can I get this waived each month?

By hitting simple qualifications each month, this account comes with no monthly cost!

You have two ways to waive:

  • Use Go Points: Waive the monthly fee with 750 Go Points that you have earned from simple day-to-day activities with GTE.
  • Hit these simple qualifications: Sign up for eStatements, AND A. deposit an aggregate of $500 in deposits per month or B. Make a combination of 15 monthly signature debit and/or credit card transactions.
I’m ready to be reimbursed of my $4.95 monthly fee with my Go Points. How do I do this?

1. Make sure you are signed up for Go Points! Simply log into Online Banking at www.gteonline.org and click on the Go Points banner. After a simple email verification, you’ll be set up and ready to go.
2. Now that you’re set up with Go Points, log in! Locate “Redeem Points” in the main navigation. Select Go Points Offers from the dropdown menu.
3. You will see an option to select “Go Full Access Fee Reimbursement”. Follow the prompts, and your reimbursement will be deposited into the account of your choosing.

One of the requirements for my Go Full Access account says that I must have $500 in aggregate deposits. What counts as a “deposit”?

In order for you to take advantage of full benefits, you’ll want to deposit at least $500 total in your account within the month. These deposits could come from:

  • A direct deposit (i.e. your employer puts your check directly into your account)
  • Depositing checks or cash at an ATM or ITM
  • A money wire or ACH transfer of cash into the account

Go Student Checking

What are the benefits of a Student Checking account vs. Go Full Access Checking?
    1. The Go Student Checking accounts are built specifically with the needs of our 12 to 24 year-old members in mind!
    2. The Go Student Checking account is absolutely FREE! There is no monthly cost.
    3. We know students are still learning how to manage their money! Sign-up for eStatements and get 2 big benefits:
      • 1 waived Non-Sufficient Funds fee per month. If you accidently spend more than you have, we’ll waive the $ 35 charge for over-drawing your account. Make sure to sign-up for Account Balance alerts and use our FREE virtual banking services to check your money status 24/7.
      • 1 waived foreign GTE ATM fee per month.

Go Further Checking

Why was the Go Further checking account recommended for me?

GTE wants to provide the best account fit for everyone! If the Go Further account is recommended to a prospective member, it is possible that the person has been put on the ChexSystems register. While other financial institutions may turn the person away, GTE wants to provide a second-chance checking account. 

When can I switch to another account?

GTE wants to work with our members to set them on the right track! Your account comes with an automatic Annual Upgrade Review that may allow you to upgrade to our Go Full Access or Go Premium accounts. If we can get you into an enhanced account, we will! In order to qualify for an upgrade, here is some general criteria:

    • Have no more than 2 Non-Sufficient Funds fees per year.
    • Ensure your account is not overdrawn more than 3 days per year.
    • Have no returned checks
    • Have no charge-offs in the last 5 years.
Why is there a fee?

While there is a $9.95/month fee for this account type, other banks typically charge much more. Another amazing feature you can even have the fee waived if you meet these two criteria!

  • $500 in aggregate deposits per month
  • Combination of 15 signature debit and/or credit card transactions per month
One of the requirements for my Go Further account says that I must have $500 in aggregate deposits. What counts as a “deposit”?

In order for you to take advantage of full benefits, you’ll want to deposit at least $500 total in your account within the month. These deposits could come from:

  • A direct deposit (i.e. your employer puts your check directly into your account)
  • Depositing checks or cash at an ATM or ITM
  • A money wire or ACH transfer of cash into the account

Account Change Questions

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