Mobile App Features

Accessing your money is quick and simple with the GCEFCU mobile app. Check out some of our mobile app tools below:

  • View your account balance without logging in
  • Remote Deposit: Deposit your check by taking a picture from your GCEFCU mobile app
  • Zelle®: A fast, safe and easy way to send money in minutes1 to friends, family and others you trust
  • SavvyMoney: Monitor your credit score & report
  • Bill Pay: Pay bills from your GCEFCU mobile app
  • Financial Wellness: Track your spending & create budgets
  • Digital Security

Download our FREE Mobile App from the App Store or Google Play for your mobile device. You can also text “Apple” or “Android” to 281-843-8611 to have the download link sent straight to your phone.

   App StoreGoogle Play Store


Learn more about your GCEFCU Mobile App Tools:


Reimagined Mobile App

See the latest CX changes to the credit union’s mobile app.

Remote Deposit

Depositing Your Check From Your Phone

Deposit your check any time, any where, using your GCEFCU mobile app. Follow the instructions below to walk you through step by step how to deposit your check.

To view full instructions, FAQs, and the Remote Deposit Capture Application End User License Agreement, click here.


Send Money in the Moment with Zelle®

Introducing Zelle — A fast, safe and easy way to send money in minutes1 to friends, family and others you trust, right from the Gulf Coast Educators Federal Credit Union mobile app.2 Zelle makes it easy to send money to, or receive money from, people you trust with a bank account in the U.S. Find Zelle in your Gulf Coast Educators Federal Credit Union app.

Send Money in the Moment with Zelle




Send money directly from your account to theirs — typically in minutes.1



Send or receive money right from your Gulf Coast Educators Federal Credit Union app.



Send money to almost anyone you know and trust2 using just an email address or U.S. mobile phone number.

GCEFCU and Zelle

How to start using Zelle:

  1. Log into the Gulf Coast Educators Federal Credit Union app.
  2. Select Send money with Zelle®.
  3. Enroll your U.S. mobile number or email address
  4. Send money to friends family and others you know and trust.


Download the Gulf Coast Educators FCU App:


Zelle® FAQs


1 Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle®.
2 Must have a bank account in the U.S. to use Zelle®.
3 In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled with Zelle®.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.


SavvyMoney – Now Live in Online Banking

desktop computer displaying Savvy MoneyWe are excited to announce our new credit monitoring tool, SavvyMoney!

When you log into your online banking, you now have instant access to your credit score and credit report, along with personalized tips on how to improve or maintain your score.

This new tool breaks down and grades each section of your report on payment history, credit usage, total balances, credit age, and recent credit. SavvyMoney tells you why your grade is what it is and how to improve it to increase your score.


Free Credit Score & Report

Checking daily, weekly, or monthly won’t hurt your score! You can log in anytime to see your personalized tips for credit score improvement, find out what you’re doing well, and what needs to change.


How to improve a credit score

Our new credit score tool can help you learn more about improving your score. This beneficial tool also has a section of advice and information from financial expert, Jean Chatzky.

phone displaying Savvy MoneyA few tips to get you started:

  • Payment History: Pay your bills on time.
  • Credit Usage: Don’t keep a high balance on credit cards. Also don’t open new cards just to increase your available limit.
  • Total Balances: Keep a diverse mix of debt accounts. A mix of installment and revolving accounts is better than having only one type of debt.
  • Credit Age: Don’t open too many accounts too quickly. Keep your oldest account open, if you can. Also, don’t close unused cards.
  • Recent Credit: Do not open too many accounts in a short span.

Bill Pay

Bill Pay

Remembering to pay your bills on time can be a pain. One late payment can affect your credit score negatively, and cost you more money in late fees. To make your life a little easier, we offer free online bill pay to our members. Pay all of your bills in one spot, without ever having to leave your couch.

Bill Pay can be found on your online banking page from your computer or our mobile app. First, you will need to set up your “payees,” or who we will be sending your payments to. From there, you can set up reminders or automatic payments for the funds to come out of whichever account you choose. It’s that easy!

Financial Wellness

Financial Wellness

With the Financial Wellness tool, all of your transactions are automatically classified into different categories, such as groceries, entertainment, utilities, etc. Upon selecting the Analytics tab within online banking, you can now view a break down of your spending in each category month after month.

spending breakdown

The first step to financial wellness is knowing where your money goes. This tool allows you to monitor your spending, create budgets, and create a plan for your future savings goals.

Mobile Wallet

Setting Up Your Mobile Wallet

With your mobile wallet, you can pay for purchases online and in person, straight from your phone. First, you must add your debit or credit card to your mobile wallet app. Which app you use will depend on which phone device you currently have. Select the type of mobile device you will be using below for step by step instructions.

Apple Pay

Visa + Apple Pay. Pay confidently with Visa. Now you can enjoy all the benefits of your Gulf Coast Educators FCU Visa® debit or credit card using Apple Pay. Set up is simple. Click the Learn More button to learn how to add your card to your iPhone,® Apple Watch, or iPad.®

Google Pay

Tap to pay with Visa via Google Pay. Using your Gulf Coast Educators FCU Visa® debit or credit card via Google Pay is quick and easy. Just add your card to Google Pay and look for the Contactless Symbol at checkout.

Samsung Pay

Turn Your Phone Into A Wallet. Samsung Pay makes transactions easy. Simply download the app, secure with authentication (either your fingerprint or passcode) and hover over the card reader to pay.


Make it Visa when you pay with PayPal. Make your Gulf Coast Educators FCU Visa debit or credit card your preferred way to pay when you check out with PayPal. It’s a quick and easy way to enjoy the benefits of your card on your PayPal online purchases.