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Checking & Cards FAQs

Checking Accounts

Go Premium with GTE Secure

  • 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 one Go Premium Account – these benefits apply to your eligible family members. (See Welcome Kit)
    • Simply register in GTE Online Banking to Activate:
    1. Credit File Monitoring - daily credit file monitoring and automated alerts of key changes to your Experian®, Equifax® and TransUnion® credit reports
    2. 3-in-1 Credit Report - request new report every 90 days or upon receipt of a credit alert
    3. Identity Monitoring - monitoring of over 1,000 databases to identify suspicious activity.
    4. Credit Score - receive a new single bureau credit score with every new credit report
    5. Debit and Credit Card Registration
    6. 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 eligible family members.
    • Cell Phone Protection – Stolen or broken phone? Receive up to $300 of coverage per phone for the first 3 phones listed on your cell phone bill. Simply pay your bill with your Go Premium account to receive this benefit; you can easily set-up payment with GTE Bill Pay! You can even take advantage of this benefit in combination with any cell phone insurance you already have to help cover your deductible. See guide to benefits for terms and conditions.
    • 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 Go Premium account and receive Buyer’s Protection and Extended Warranty, covering items for 90 days from the date of purchase against accidental breakage, fire or theft. See guide to benefits for terms and conditions.
    • 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:
    1. 30,000 FREE ATMs
    2. 24/7 Virtual Banking (Online, Mobile or Telephone)
    3. Remote Deposit – with the GTE Mobile App
    4. Alerts
  • I'd like to use my Go Points to pay the $4.95 cost. 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 file monitoring and report, 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. Each eligible family member must have a separate Go Premium registration, and each individual must have a unique email address to receive their credit report and alerts online.
  • 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 - either deposit an aggregate of $500 in deposits per month or make a combination of 15 monthly signature debit and/or credit card transactions.
  • I'd like to use my Go Points to pay the $4.95 monthly cost. How do I do this?

    1. Make sure you are signed up for Go Points! Simply log into Online Banking 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?

    The Go Student Checking accounts are built specifically with the needs of our 12 to 24 year-old members in mind!

    The Go Student Checking account is absolutely FREE! There is no monthly cost.

    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 accidentally 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

Payment Protection

Overdraft Protection

  • What is Overdraft Protection?

    If you’re trying to make a purchase that exceeds the amount available in your account, you can have funds automatically transferred from a different deposit account into your checking.
  • How do I signup?

    To add one of your accounts as overdraft protection, you can complete the ‘Overdraft Protection’ form in Online Banking. Once logged in, click on ‘Forms’ under ‘Resources’ in the main navigation. The form is located under ‘Account Maintenance Forms’. You can also visit a Community Financial Center or give us a call at 813.871.2690 or toll-free at 1.888.871.2690.

Courtesy Pay

  • Can I Opt-in or Opt-out once for all my checking accounts?

    No, you must Opt-in or Opt-out for each checking account you own.
  • What do I have to do to be enrolled in the program?

    Checking accounts are automatically enrolled in the Courtesy Pay Program for checks and Automated Clearing House (ACH) payments.  If you would like to authorize Courtesy Pay coverage for ATM transactions and Debit card and point-of-sale (POS) transactions, you may opt-in by visiting any GTE Community Financial Center or in GTE Online Banking by selecting the icon next to your checking account balance. 
  • How are limits determined?

    Limits may be recalculated daily and are based on a number of factors including the age of the account, the frequency and amount of deposits, and account history.  Accounts must be in good standing to be opted-in to the program.
  • How do I know what my Courtesy Pay limit is?

    Unfortunately, limits may change daily and therefore we are not able to provide members with their daily limit. This program is a discretionary courtesy to our members and while we strive to pay your overdraft items whenever possible, there is no guaranteed limit amount. 
  • Will I receive a notice if I overdraw my account and the transaction is courtesy paid or denied?

    Yes, we will send a notice the day after the overdraft occurs. 
  • How do I know if I'm opted-in or out of the program for ATM and point-of-sale Debit transactions?

    To verify this Courtesy Pay election, look to the right of your checking account balance in GTE Online Banking. 
    • A green checkmark indicates you are opted in. 
    • A yellow triangle indicates you are opted out of the Courtesy Pay program.
    *You can click the icon to change your status at any time
  • What is Courtesy Pay?

    GTE Financial offers checking account holders a courtesy pay program to use after all overdraft sources have been exhausted. In the event you do not have sufficient funds in your account at the time a check or electronic debit is presented, the item may be paid in good faith on your behalf by the credit union,* rather than returning the payment to your vendor or declining the transaction. By Opting-in, this benefit will also be extended to your debit card and ATM transactions.
  • Why should I Opt-in?

    You should Opt-in if you want to maintain peace of mind when purchasing necessities (prescriptions, gas, etc.) or when you have an unexpected expense (need your car towed, go to the emergency room, A/C needs repair, etc.) and there are not sufficient funds in your account at the time the transaction is being authorized.

    The Courtesy Pay program could save you from an awkward situation when paying for services already provided (restaurant, hair salon, etc.). If you choose to Opt-out, these transactions will be declined when funds are not available.
  • Are there fees?

    Yes. You will be charged a $35.00 fee for each approved Check, ACH, ATM, or Debit Card transaction if and when you do not have enough money in your account to cover the transaction. Overdrawn debit card transactions $5.00 or less will not incur a fee. Check, ACH transactions that are rejected will still be assessed a $35.00 fee for any amount overdrawn.
  • If I sign up for Courtesy Pay, will my debit card charges always go through?

    No. Whether a transaction will be paid is discretionary and we reserve the right not to pay. Most overdrafts are paid but there is no guarantee.
  • If I already have an overdraft protection product, does this still affect me?

    If you conduct an ATM or debit card transaction that will exceed the available balance of your overdraft account, Opting-in will allow us to approve that transaction through the Courtesy Pay program and charge a fee to your account. If you Opt-out, those transactions will be declined.
  • What about automatic debit card payments that I have set up (like a gym membership)?

    Debit card purchases that are set up to bill automatically may continue to be authorized at our discretion even if you do not Opt-in. These transactions may incur a fee if you do not have enough funds available at the time of the transaction.
  • If there are multiple owners on an account, does each person need to Opt-in/Opt-out?

    One owner may Opt-in or Opt-out for a joint account. Likewise, any owner can revoke the Opt-in or Opt-out on a joint account.
* There is a limit of 6 transfers per month in accordance with Federal Reserve Regulation D.
 **This free program is discretionary and opting-in does not guarantee transactions will be approved if funds are not available. The full amount of the overdraft balance plus related fees will be due immediately, but in no event more than 20 days after the date of the occurrence.

ATMs & Debit/ATM Cards

GTE Financial members can use a vast network of more than 30,000 free ATMs across the US and Canada. This network is called the CO-OP network. Any ATM on this network is free to use. GTE Financial members also have access to free ATMs on the Allpoint Network, available at most Target, Circle K, Publix, and Winn-Dixie stores.
  • How do I find a free ATM?

    GTE Financial members have FREE access to almost 30,000 CO-OP ATMs throughout the U.S. and Canada. Use them to withdraw money, make a deposit, and check your balances.

    When you are using a non-GTE ATM please make sure to select "ATM" as the transaction type.

    There are 2 easy ways to find a free ATM nearest you:
    • Mobile App: use the CO-OP ATM Locator mobile app for iPhone or Android to find the ATM nearest you, or search for ATMs by specific address, city, state or zip code. Downloading the app is free, easy and there’s no registration process.
    • Text Message: locate a Free CO-OP ATM via text message. Simply determine your location or area, then text the address, intersection or zip code to 91989*. You’ll receive a prompt text response with the location of the CO-OP ATM nearest the location you requested.  

    *CO-OP Network ATMs at the number 91989 is a free service but check with your mobile phone provider as standard text messaging rates apply. And don’t worry, you’ll never receive any unsolicited messages by using the number 91989.  
  • 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 Sunday 7:00am - 8:00pm

    For after-hours please call 813.414.6932
  • 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.

Credit Cards

  • What is the interest rate on my credit card?

    Your current interest rate can always be found on your monthly credit card statement. If you are signed up for eStatements, login to Online Banking to view your details.
  • Am I protected from fraudulent charges on my card?

    Yes, you're covered 100% against fraudulent charges to your account.
  • How can I get a credit line increase?

    The easiest way is to apply online. Follow the application instructions and then instead of choosing to apply for a new card, select your existing one and indicate you’re applying for a credit line increase.

    You can also call our Consumer Lending team at 813.871.2690, or visit any of our Community Financial Centers. 
  • Can I complete a cash advance on a GTE credit card?

    Yes, you can do so at a Community Financial Center, an ATM (if you know your PIN), or any other financial institution that accepts cash advances.
  • Can I make a payment at a GTE location?

    Yes, you may make the payment using GTE OnScreen at any of our locations. The best way to make a payment to your credit card is through Online Banking.
  • How do I make a balance transfer?

    You can login to Online Banking, and select 'Credit Card Balance Transfer' under 'Payments' at the top. You can view more details about balance transfers here.
  • How do I setup Automatic Payment?

    You can have your credit card payment made automatically. Choose from a fixed amount, the minimum payment only, or enough to pay off the existing balance each month. Call our Member Care department at 813.871.2690 or 888.871.2690 to set up your automatic payment.
  • My credit card is expired and a new card has not been sent to me.

    All cards that are due for renewal will be shipped within 7-10 business days before the expiration date. If you have not receive a new card, and your card is now past the month of expiration, please contact Member Care at 813.871.2690.
  • I have lost my card, or it may have been stolen.

    If you think you may have misplaced your card, or it may have been stolen or compromised, please call Member Care at 813.871.2690.

    You may also visit us at: www.gtefinancial.org/personal/credit-cards/lost-or-stolen2019
  • Can I have my card rush delivered?

    Yes, there is a fee that applies to having your card rush delivered.
  • Do GTE credit cards support mobile pay apps like Apple Pay, Samsung Pay, and Google Pay?

    Yes, all of our credit cards have the capability to be used digitally on your phone. You can find instructions on how to add your card to your digital wallet online based on the type of smart phone you have.
  • Can I get a replacement card in a Community Financial Center?

    Yes, all of our Community Financial Centers have instant issue machines which allow us to print a card for you.
  • Can I add an authorized user to my credit card?

    Yes, the best way is to call our Member Care number for assistance at 813.871.2690 or toll-free at 888.871.2690.

Transaction/Inquiry

  • Debit Card/Credit Card Transactions

    Merchants only provide GTE Financial with the limited information that is shown in the transaction description.

    If a telephone number is provided in the description, we strongly encourage you to contact the merchant first. If your attempts to contact the merchant fail, please complete the "Debit Card and Credit Card Dispute/Fraud Form" located in Online Banking under the "Resources" section in "Forms" on main navigation menu. We will then attempt to dispute the transaction with the merchant on your behalf. Please include copies of any receipts that pertain to the transaction.

    If you believe this transaction is a fraudulent charge (not authorized by you or a joint account owner), complete the Debit Card and Credit Card Dispute/Fraud Form, available under Resources in Forms, on the main navigation menu in Online Banking. You may submit this form by fax to the number found on the bottom of the form, or at any Community Financial Center.
  • ACH Transactions

    Merchants only provide GTE Financial with the limited information that is shown in the transaction description.

    If a telephone number is provided in the description, we strongly encourage you to contact the merchant first. If your attempts to contact the merchant fail, please complete the ACH Dispute Form/Written Statement of Unauthorized Debit Form located in Online Banking in the Resources section under Forms. We will then attempt to dispute the transaction with the merchant on your behalf.
  • Checking Accounts

    If you would like to dispute a check on your account, please complete the Unauthorized Share Draft Activity Form, available in "Resources > Forms" under "Everything Else" on the main navigation menu of Online Banking.

    If you would like to dispute a check that has cleared your account, please complete the "Statement of Unauthorized Share Draft Activity" located in "Online Banking" in the "Resources" section under "Forms." We will attempt to dispute the transaction with the person/merchant the check is written to on your behalf.
  • What are the pending transactions on my account?

    Pending debit card transactions and direct deposits can be viewed by logging into Online Banking and clicking on the account number you would like to view. An overview page will show the number of and total amount of pending transactions. Select the "Transactions" tab in the top right of the page for an itemized listing.
  • Why hasn’t my direct deposit been posted?

    We do not hold direct deposits for any reason and will post all direct deposits as they are received. Most deposits we receive are posted before noon every day.

    If you are waiting for a direct deposit that has not posted to your account, please contact the payroll department or company sending the deposit to your account to inquire when it was sent.

    To obtain information about the direct deposit of a tax refund; please visit the IRS's website at www.IRS.gov, or call their toll free number 1.800.829.4477.