GEICO FCU Community

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Table of Contents

 

 

ATMs

 

Can I still deposit checks and cash using the GEICO FCU ATM?

As long as the buildings are open, you will be able to deposit and withdraw cash at the GEICO FCU ATM. However, once the buildings close, you will not be able to access the GEICO FCU ATM to complete cash transactions. At this time, we recommend either saving or utilizing the cash or depositing at another financial institution and using their external transfer feature to transfer the funds to your GFCU account.

We highly recommend using the Remote Deposit Capture feature in our mobile app to deposit checks as the processing of check deposits at our ATMs may be delayed.

 

What about GEICO FCU's Allpoint® Network ATMs, will I be able to deposit cash and checks at one of their 55,000+ locations nationwide?

Our Allpoint® Network ATMs do not have the ability to accept cash or check deposits. We recommend following the steps above to make check and cash deposits.

 

Where can I find a list of the Allpoint® ATMs closest to me?

You can use our Allpoint® ATM locator here to find the Allpoint® ATM closest to your home.

 

What are the withdraw limits on Allpoint® ATMs?

You can withdraw up to $400 per transaction at Allpoint® ATMs. GEICO FCU allows you to withdraw up to a maximum of $505 per day. You may complete as many withdraws as needed per day as long as they are within these limits. However, you will need to use your GEICO FCU VISA® Debit Card in order to complete these withdraws at Allpoint® ATMs.

 

Checks

 

Can I still make a payment or a deposit by check?

While our branches are closed in response to the COVID-19 Pandemic, we encourage you not to mail payments to our PO Box or to a branch location. Payments made by mail may be delayed because of disrupted mail service and lack of access to the mail. We encourage you to make deposits or payments through one of our automated and secured channels. Loan payments can be made through online banking, online banking transfer from your GEICO FCU account, online banking transfer from another financial institution, wire or payroll deduction through Workday for current GEICO employees. Checks can be deposited to your GEICO FCU account using the Remote Deposit Capture feature in our mobile app. Please visit our website www.geicofcu.org for more information on these products and services.  

 

Why is my check being rejected by the RDC feature in mobile banking?

When depositing a checking using the RDC feature in the GEICO FCU mobile banking app, ensure that

  1. Your check is placed against a plain dark background.
  2. There is enough light in the room where you are taking the picture. When taking a picture of the check, tap the lightning bolt in the top right corner of the screen to turn on the flash.
  3. Ensure the check has the proper endorsements according to the prompt in RDC.

 

Are wire transfers still being processed? How can I request a wire transfer from my GEICO FCU account?

We are still processing all incoming wire transfers to GEICO FCU accounts and are accepting requests for wire transfers from GEICO FCU accounts. There are no changes or delays with this process at this time. To request a wire transfer from your GEICO FCU account, please fill out this form and email it to MembersService@geicofcu.org. We will contact you to process your request.

 

Loan Payments

 

How do I make a payment on a loan?

You have a few options to make a loan payment online.

  1. Automatic Payroll Deduction - Set up payroll deductions in Workday (current GEICO employees only).
  2. Automatic Periodic Payment - Set up reoccurring transfers in from your GEICO FCU checking or savings account to your loan. Make sure the transfer amount matches your monthly loan payment.
  3. Remote Deposit Capture - Deposit a check using the Remote Deposit Capture feature in the mobile app. Once the funds are available, you can transfer the funds to your loan.
  4. External Transfers – Transfer funds from another financial institution using their external transfer feature. Designate your GEICO FCU checking or savings account as the receiving account. Once the funds are posted to your GEICO FCU account, you can transfer them to your loan.

 

Member Service Expectations

 

If the branches aren't open, when can I contact you and how soon can I expect a response?

If you are in need of additional financial assistance, please contact our Member Service team via email at MembersService@geicofcu.org or leave a voicemail at 800-542-7896 and a representative will assist you with an email response. We will be monitoring and responding to inquiries sent to this email account Monday - Friday, 8:00 am - 4:30 pm ET. For inquiries sent after these business hours, you will receive a response within 24 hours or on the next business day if the inquiry is received on Saturday, Sunday or after business hours on Friday.

 

Transfers

 

How do I transfer funds online or through mobile banking?

After signing up for mobile and/or online banking, you can make up to six transfers per month from accounts. This includes internal transfers between GEICO FCU accounts and external transfers to accounts at other financial institutions. The amount of transfers is globally set and limited to manage fraud and cannot be reset. Please follow the instructions below to complete transfers in online banking and through mobile banking.

Unlimited WITHDRAWALS permitted when:

  • Made in person
  • Made by messenger
  • Requested by letter
  • Made by phone, fax or computer if it is a check payable to member and is mailed to the member

Unlimited TRANSFERS permitted when:

Made between accounts of the same member by:

  • Mail
  • Messenger
  • ATM
  • In Person

Made by the member to pay a loan the member has with the credit union

Limited to SIX transfers or withdrawals permitted per month when:

Made to a third party, if made by:

  • Phone
  • Fax
  • Computer
  • Check
  • Debit Card
  • ACH
  • Bill Payment
  • Automatic Transfer

Made to another account of the members at the credit union, if made by:

  • Phone
  • Fax
  • Computer

Transferred to the member’s other account (s) at the credit union if made by

  • Bill payment
  • ACH
  • Automatic Transfer

Online Banking

  1. After logging in, click the “Move Money” tab in the green banner.
  2. Click “Make a Transfer” or “Schedule a Transfer”.
  3. Select the account that the transfer will be made from.
  4. Select the account that the transfer will be going to.
  5. Select the date that the transfer will be made. You can also select the check box if you want this to be a reoccurring transfer.
  6. Enter the amount to be transferred.
  7. Click “Make Transfer”.

Transfers that are scheduled or have already been made can be viewed in the “Scheduled Transfers” and account tabs.

Mobile Banking

  1. After logging in, tap the “Transfer” in the menu at the bottom of the screen.
  2. Select the account that the transfer will be made from.
  3. Select the account that the transfer will be going to.
  4. Select the date that the transfer will be made. You can also select the check box if you want this to be a reoccurring transfer.
  5. Enter the amount to be transferred.
  6. Tap “Transfer”.