Future Change

It’s amazing how much money you can actually save simply by rounding up your change. With GTE Financial’s Future Change experience, with each debit purchase, your change will automatically round-up to the nearest dollar into a special savings account accessible 24/7. It's fun and easy!  

Have a loan with GTE? As an added feature, you can also see potential savings estimations if you applied your rounded-up change to an eligible GTE loan - making an extra payment could save you more than you think!

• First have a GTE Checking Account of your choice
• Once you have a checking, go to ‘Open an Account’ in Online Banking or the GTE Mobile App and open a Future Change Savings Account to complete enrollment and your round-up
• This set-up will include selecting a linked Checking Account and creating the Future Change Savings Account (where rounded-up funds will go)   
• Once enrolled, your Future Change Savings Account will show in virtual banking and can be used for deposits, withdrawals, and transfers - just like any other savings
• Then, start swiping your FREE debit card tied to your linked Checking Account to start your round-up savings journey  
• If you have multiple Checking Accounts, you can round-up on each account to save even more – just follow the same process for each account
• Also, check out our ‘Special Shares’ yields to see if you can earn even more on your Future Change savings

Get started by opening up a checking today!

• Once you have a Future Change Savings Account set-up, you can access it in the GTE Mobile App and Online Banking
• Simply login to the GTE Mobile App or Online Banking > Click on your Future Change Savings Account to see additional savings options
• If you have an eligible loan at GTE, Future Change will show you savings estimations if you used your rounded-up change to make an exta principal loan payment – the savings can be more than you expect
  • GTE Mobile App > Go to the Future Change Savings Account > tap ‘Save Now’ or ‘Manage’
  • GTE Online Banking > Go to the Future Change Savings Account > click ‘Save Now’ or ‘Go to Future Change’
• If you like what you see, you can even take action to complete a 1x transfer to your eligible loan – while this isn’t a monthly payment, an extra payment can help you save on interest
• Your regular monthly loan payment would still be due on the normal due date
• If you have questions before you make a transfer, don’t hesitate to reach out to GTE or consult a financial advisor

• Did you know, being a member of GTE, you are also a philanthropist? That's right! You are part of something much bigger than a bank account. Every year, GTE employees champion a charity each month. Giving back is our passion and purpose! When you use Future Change, members can also apply their rounded-up change to a local 501C3 that really needs our help.
• Two Options to Donate: Future Change members may round up their change for the current month or the member may continue to round up their change until they say stop! You can easily set or re-set your "give back" preferences within the Future Change page in Online Banking at any time. 
• Donation Confirmation: Members that participate in donating their change to charity will receive a special communication that includes the amount donated as well as an introduction to next month's charity.
• Access the charity donation options in the GTE Mobile App or Online Banking > click your Future Change Savings Account and view ‘Save Now’ options.

Data and other wireless carrier charges may apply. See the full terms and conditions for Future Change in Online Banking by navigating to your Future Change Savings Account. Savings calculations shown in Future Change are estimations only. Consult an advisor at your discretion. Transfers completed cannot be reversed and will be applied to the principal of the loan selected. Future Change transfers do not constitute a monthly loan payment; the member will still need to complete their normal monthly loan payment on their specified date to avoid fees or penalties.