No. We will transfer your $5 member share from your savings account to your Member Owner Share for you.
General FAQs
General
Join & member owner share
Yes. However, there are many ways to join our Credit Union! Through family, your place of employment, where you live or joining our CU Savers club, it’s easy to become a member.
Your Member Owner Share will be established the evening of your savings account opening, which is also the day you join.
Only if the joint owners on your accounts have their own Primary Savings account where their name is reflected as the primary owner. The $5 for their new Member Owner Share will be transferred from their Primary Savings account.
Your new Member Owner Share with your $5 member share balance will show on your monthly account statements, as well as in Online Banking.
Applying for membership is simple! You can apply online, visit a Community Financial Center or call us at 813.871.2690 or toll-free at 1.888.871.2690.
The transfer will show as "Withdrawal Eff. MM-DD Minimum Membership Balance Transfer $5 to Member Owner Share."
When you acquire a loan with GTE Financial, you also become a member of our credit union. When you joined, you opened and deposited $5 into a Primary Savings account. The $5 that was deposited is your one share of our financial cooperative. Instead of a Primary Savings account housing your $5 member share, it will now be in this newly designated, non-transactional Member Owner Share.
Yes. When you open an account, a Member Owner Share will be created for you. Every primary member has a $5 Member Owner Share created for them.
This separate account clearly reflects your ownership share of GTE Financial.
We are simply separating (or transferring) $5 from your Primary Savings account, and placing it in this designated Member Owner Share.
No. The $5 in your Member Owner Share will be returned to you if you decide to leave the credit union, once all of your accounts are closed. Otherwise, as a member, your $5 share of our financial cooperative will be kept in your Member Owner Share.
Fees
Click here for a complete list.
Member referral
Every member has a unique code to use when referring members:
- Get your unique code within GTE Online Banking in your ‘Member Rewards Center’ tab, and select the 'Referrals' tab. Once there, you can print referral cards and even send an email to friends and family with your unique Member referral code.
- Give that code to any potential members you refer before they apply.
- If they apply online, within the application, there will be an ‘Additional Questions’ section. Type in the Member Referral Code into the available field.
- If they apply over the phone or at a Community Financial Center, make sure they have your referral code to provide to the GTE Financial representative.
Yes. The qualifications are simple and easy to meet in order to receive a $25 bonus.
To get your $25, you need to:
- Provide your unique referral code to those you refer
- Be enrolled in eStatements
- Have your GTE accounts in good standing
Members under 18 years of age (Early Saver account holders) can refer new members and are eligible for the $25 Member referral bonus, however, the new Member must open a regular savings account and a checking or personal loan within 30 days of becoming a Member. Early Saver new account openings do not qualify.
GTE Financial has a program that allows you to see if all qualifications have been met. Please review the Member Referral qualifications (under ‘Member Rewards Center’ in Online Baking) to see if there any items you or the member you referred may have missed. If you’ve reviewed the qualifications and still believe you should have received $25, please contact GTE Financial at 813.871.2690 or toll-free at 1.888.871.2690.
No. However, if you were to reach $500 or more in Member Referrals, there is additional tax documentation you would be responsible for filing. More information would be sent to you at tax time.
The Member Referral should be deposited into your primary savings account.
Yes. Login to Online Banking and track your referrals in the ‘Member Rewards Center’.
All referrals will be funded the night the Member Referral qualifications are met.
As long as you are enrolled in eStatements and your accounts are in good standing, you will see your $25 once the new member you refer has met all the required qualifications and provided your unique referral code.
Services
Make a payment
Members can make payments through the GTE Mobile App, Online Banking, Phone Banking, Express Pay/Payment Portal, setting up automatic payments, or by mail.
AutoPay also known as Automatic Payments are recurring scheduled payments from either your GTE account or external account and routing number.
And at GTE, you can receive a 0.25%APR discount on your auto loan by having AutoPay set up.
Simply login to Online Banking or the GTE Mobile App. Select Accounts>Services>Automatic Withdrawal from Another Institution (ACH)> Fill out the form and submit.
Your member number is located in your Online Banking and GTE Mobile App.
GTE Mobile App: Login, select Transfers, then follow the prompts to transfer from a GTE account or externally linked account.
You can also select the loan account, then select Payment and follow the prompts to transfer from a GTE account, externally linked account, one-time ACH or non-GTE debit card.
Online Banking: Login, select Pay/Transfers, then follow the prompts to transfer from a GTE account, externally linked account, one-time ACH or non-GTE debit card.
Have your member number ready and phone banking PIN. If you don’t have a phone banking PIN, please contact Member Care at 813.871.2690
Call 813.871.2690 and select option 1 or call Phone Banking directly at 813.876.6760. Phone Banking is available for one-time only payments and cannot be scheduled. Payments can be made with GTE account transfers, and external account and routing numbers.
In the Payment Portal you can make a payment a couple different ways. Have your member number ready.
Express Pay: A one-time ACH payment using the account and routing number from where you want the payment to come from.
- Simply select Express Pay, enter your information, accept the Terms and Conditions, and select Continue with Express Pay.
- Find the loan you would like to pay and select Pay Now.
- Select Manage Payment Methods and select Add Bank. You can add your other financial institution Manually with your account and routing number or Connect Your Bank with your online banking login credentials.
- Once you have added your other institution, select your State of Residence and select Review Payment.
- Review your payment details and check the box next to “I agree to the above Payments and Terms” then select Make Payment.
Register: Cut your payment time in half by storing your payment information.
- Simply select Register, enter your information, accept the Terms and Conditions, and select Submit.
- Create your password and select Submit.
- You can now login with your stored information for an even faster payment experience.
Express Pay allows members to make a one-time ACH payment through the Payment Portal using their member information. A convenience fee may apply.
Yes. Members should follow the instructions on their account statement. For credit card and mortgage payments, include the payment coupon from the statement.
Cash and correspondence cannot be accepted through the mail. GTE Financial is not responsible for lost or stolen mail payments.
Some payment types take longer to reach us than others. Add expected timing by payment type:
- Internal Transfers are same day
- ACH processing times are usually 3-5 business days
- Mailed payments usually take 7-10 business days to reach us, and
- BillPay timing will be listed within your external BillPay system.
If you still do not see your payment, give us a call or drop by your local Community Financial Center.
Bill Pay
Bill Pay enables you to pay any company or person, within the United States, without the hassle of writing a check, filling out the envelope, paying for stamps, and hoping it doesn’t get lost in the mail.
Simply log in to online banking, provide some information about the payee, tell us how much to pay, if this is one-time or recurring, and when you want the payment made. Easy peasy!
We will send your payment electronically when possible. If electronic is not available, we print a check and mail it for you.
You can view your payment history for up to 24 months in the Payment Center!
Use Bill Pay to pay companies and people with addresses in the United States and/or its territories. We do not recommend using Bill Pay to make state and federal tax payments or court ordered payments.
Yes, we use several methods that ensure your information is secure.
If we fail to process a payment according to your instructions, we will reimburse any late fees charged by the payee. If there is a mistake on our end, we will correct it. Payments should arrive by the expected date.
Any GTE Checking account! Don't have one? Explore our suite, here.
Information you may need for payments:
- Company/Individual Name
- Account Number
- Address of Company/Individual
- Memo line information, if applicable
Yes, a payment can be changed as long as it has not started processing.
If the company/individual can receive electronic payments, the money is typically delivered in 1-3 business days.
If the company/individual cannot receive payments electronically, a paper check is typically delivered within 3-5 business days.
Yes, for a small fee we can rush a payment for you.
Bill Pay operates the same as a check. Funds are taken from your account once the company/individual has processed payment. This allows you to keep your funds for longer.
Under “Activity” you can see the status of your payments. Payments will start in a pending status until processing begins.
In the unlikely event of Bill Pay issue, please contact Member Care at 813.871.2690 or toll free at 888.871.2690