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Future Change FAQs

General Questions

  • Who can use Future Change?
    The Future Change experience is available to all GTE members with a GTE Go Checking account. 
  • Does it cost money to use Future Change?
    The Future Change experience in Online Banking and the App is free to use. Standard text messaging and data rates would apply.
  • What if I need help with Future Change?
    We’re here for you! As with any member need, please feel free to contact our Member Care Department at 1.888.871.2690. 
  • How do I access Future Change?
    You will need to have an existing Online Banking username and password to access Future Change. Your username and password will be the same for Future Change in Online Banking as well as the Future Change App. If you have never created login credentials for Online Banking, you can get started here. Once you have your Online Banking username and password set up, you will be able to instantly use that same information to access Future Change.
  • What if I forget my username and password?
    No problem! Simply self-reset your login information in Online Banking. Once you make changes, your login credentials will update to your new information for Online Banking, Mobile Banking and Future Change.

 

Savings Account & Round-Up

 

  • Can I open a Future Change Savings Account with Round-Up without using Future Change?
    Not at this time. This special savings account is a unique feature to Future Change members. Once you enroll in Future Change within Online Banking or download the App, instructions will walk you through setting up your Future Change Savings Account where your rounded-up change will be automatically deposited. 
  • Can I use my Future Change Savings Account for overdraft protection?
    No. That feature is not available at this time.
  • What happens if I remove the App from my phone?
    Your Future Change Savings Account will still be viewable and accessible within Online and Mobile Banking. However, you will lose functionality like Tap for Balances and viewing Future Value on your linked loans, which is only available with the App. You would have to re-install in order to use Future Change again with your most recent login username and password. The best way to access and utilize Future Change however is within Online Banking versus the App. 
  • How does Round-Up work?
    In order to use Future Change, you have to have a GTE Go Checking Account. For every swipe of the debit card, it will automatically round up the change to the nearest dollar and deposit it into your Future Change Savings Account! It’s a great feature that can really add up.
  • Will I see the Round-Up occur in real time?
    No. Your Round-up will occur every evening, one time per day.
  • I noticed I have to link a Checking Account – can I link multiple?
    Yes. As long as you are the primary, you can link more than one Checking Account. That will allow you to utilize the Round-Up feature on multiple Checking Accounts and debit cards and deposit even more into your Future Change Savings Account.
  • Does Round-Up work on all transactions?
    You will get the benefits of Round-up on point-of-sale purchases, like at a retailer, gas station or grocery store for example. Make sure to sign for your purchases versus punching in your PIN. It’s more secure and helps you earn Go Points!
  • Can Round-Up be added to other accounts?
    Not at this time. Round-up is only available with the Future Change Savings Account.
  • Will I be able to see my Future Change Savings Account in Online or Mobile Banking?
    Yes! Your Future Change Savings Account will show up under Account Balances, like any other savings account.
  • Can I deposit money into my Future Change Savings Account and withdraw/transfer out of it?
    You can deposit money into your Future Change Savings Account, like any other savings product at GTE. Within the Future Change App, Online Banking and Mobile Banking, you can also make transfers to other accounts or withdraw money if needed.

 

Round-Up for Charity

 

  • How do you sign up?
    Members with a GTE Checking Account will be able to sign-up by logging into Online Banking. Existing Future Change members will not need to re-enroll or re-download the App, but will need to visit Future Change in Online Banking to ensure the charity feature is enabled. Simply click here, login and you will be directed to the Future Change page.  
  • How will it work?
    Future Change members will be able to view the charity of the month to make a donation to within Online Banking. It will be a simple and seamless transfer from the Future Change Savings Account to the selected charity. Members will be able to adjust Future Change donation settings on-demand, all within Online Banking. 
  • How does GTE pick the charities?
    GTE supports 12 local charities each year, 1 per month! Employee champions will then advocate for the specific cause they are passionate about through volunteering and fundraising! Most donations have been raised through employee contributions to date; we are very excited to now offer a way for members to become even more involved through Future Change donations! GTE likes to focus-in on 501C3s that directly give back to the local communities we support. In addition, we give back specifically to our membership through our Scholarship and Student programs, as well as our Make Hope Real charity effort, where we adopt member families for the holidays. We absolutely love our monthly charity efforts and are excited to give back even more this year. 
  • Will I get documentation for tax purposes?
    Members will receive a confirmation message with the amounted donated. For specific tax documentation, like a receipt, simply contact the charity to supply. 

 

Tap for Balances

 

  • How does Tap for Balances work?
    You can enable Tap for Balances during the Future Change registration process. You can also turn this feature on or off in Settings. Without having to  to the App or Online or Mobile Banking, if you tap the screen while on the Future Change App home page, it will pull up a static summary of your balances on all of your GTE accounts. It’s fast and totally secure!
  • For Tap for Balances, isn’t that a security risk?
    Not at all! Many financial institutions have already been utilizing this feature for some time. While Tap for Balances allows you to see your account balance information without having to  to the App or Online or Mobile Banking, it only shows how much is in your account and does not allow you to take any action on those accounts. If you want to do something other than , for  make a transfer, you would need to login to Online or Mobile Banking to complete that transaction. The information shown cannot be negatively used in and of itself for any potential fraud – your sensitive banking information will be shielded.
  • Can I just use Tap for Balance on my smartphone?
    Tap for Balance is available on IOS and Android devices including smartphones and tablets.
  • Can you turn this feature on and off?
    Yes! Each time you  to Future Change, on the password screen, you will have the ability to turn Tap for Balance on or off.

 

Your Loans and Transfers

 

  • Tell me more about my loans and Future Change!
    Not only does Future Change enable round-up, Future Change can be used as an awesome tool to help you pay off your GTE auto or home loan faster, which could mean big savings! Let’s say you had $200 in your Future Change Savings Account. What would be the benefits of making an extra payment and applying that $200 to your GTE auto loan principle? Future Change in Online Banking will reveal all! That $200 in savings could really mean $400 in savings if applied to your auto loan, and 2  payments! Future Changes does the math for you; all you have to do is a simple transfer to make it all happen.  
  • Do I have to transfer the full amount in my Future Change Savings Account?
    Not at all! Let’s say you had $200 in your Future Change Savings Account and wanted to only transfer $100 to your auto loan. Future Change will allow you to select a custom transfer amount and then press ‘Recalculate’ to show you the new future value based on $100 versus the full amount.
  • How are the calculations done?
    Financial calculators are prevalent and extremely useful. While GTE does not produce the back-end formulas, we’ve integrated formulas that are  and accepted within the financial industry. Calculations are estimates – strong indicators of future value. If so inclined, please consult a financial advisor at your discretion.
  • What kind of loans are linked to Future Change?

    Right now, you can view a GTE auto or a GTE home loan;  or Home Equity loan is not currently an eligible loan.  All your available loans will be automatically viewable in Future Change within online banking! You will be able to instantly see how much you can save by applying your rounded-up change to one of your eligible GTE loans. The savings can be more than you think!

  • If I have multiple home or car loans, can I link them all?
    Yes!
  • What information will Future Change show me?
    Future Change is all about simplifying a lot of great information! You’ll be able to view:
    • Your Future Change Savings Account Balance
    • Any home loan or auto loans that you may want to make an extra payment on
    • How much you’d save in future interest per loan, if you applied your full savings balance, or a portion of your savings balance, to the loan
    • How many months of payments that savings would equate to
    • Details on each of your loans  Interest Rate, Current Balance, Total Savings Applied, Monthly Payment and Remaining Term, plus a percentage bar that shows how much of your loan is paid off so far
  • How do I complete a transfer?
    Future Change will easily allow you to move money from your Future Change Savings Account to an eligible loan – all within Online Banking! Future Change will calculate and show you the benefits of the transfer, and then it will allow you to take action. Summary pages will keep track of all your progress for easy reference.
  • What if I made a transfer and didn’t want to?
    Future Change will help ensure you don’t make a mistake! It will prompt you numerous times to make 100% sure that you want to move forward with a transfer. Once a transfer has been confirmed and completed, it cannot be reverted or changed.
  • If I do a transfer, does that go to my principal?
    Yes. Any transfer within Future Change will be applied toward your loan’s principal balance only.
  • If I do a transfer, does that count as my monthly payment?
    No. A Future Change transfer does not take the place of your loan payment that is due at a specific time each month. You will still need to make an on-time monthly payment.