New Digital Banking System • Gulf Coast Educators Federal Credit Union

Our new online banking system and mobile app are officially live! You can check out the new system by logging into your online banking account with your existing username and following the directions provided. If you have any questions, feel free to browse our Frequently Asked Questions by clicking the button below, give us a call, or send a text message to 281-487-9333.

Frequently Asked Questions

Logging In
Mobile Banking
Mobile App
Bill Pay
Remote Deposit
A2A & P2P
Other Changes

Logging In

Logging In For The First Time

Online banking will continue to be accessible from every page on our website by utilizing the same login box in the top right portion of the page. We recommend members log in from the website instead of bookmarking the URL for online banking. That way, you will always access the latest version of online banking. If you have bookmarked online.gcefcu.org, the URL has changed to our new system.

To register you will need your member number, SSN and birthdate. Additionally you will need to enter the phone number or email address we have in our system linked to your membership.

You will then create a password with at least one capital letter, one lower case letter, one number, and at least 8 characters in length. In addition to setting the password, you will also need to create new security questions and add a mobile number to be used for text confirmations, instead of questions for authentication. The same login credentials will be used across online, mobile, and app banking, so this will only need to be done once.

LOGGING IN FAQs

What do I do if I forgot my username?

What do I do if I forgot my password?

Enter your username on the log in page. When prompted to enter your password, select the FORGOT PASSWORD? button. Agree to the disclosure. You will then be prompted to enter your Username, Social Security Number (SSN/TIN) and Date of Birth, and either your Email or your Zip Code. Once you have entered the correct information, you will be granted a temporary password that you can either have emailed or sent to you via text message. If you have any questions, please feel free to call or text us at 281-487-9333.

I had my log on page bookmarked, but now it is not working. What happened?

I am a new user and have never logged into online banking before. How do I log in for the first time?

Mobile Banking

Using Online Banking From Your Mobile Browser

Mobile banking will continue to be accessible from every page on our mobile website by utilizing the same drop down currently used. We recommend that you log in from the mobile website instead of bookmarking the URL for mobile banking.

To register you will need your member number, SSN and birthdate. Additionally you will need to enter the phone number or email address we have in our system linked to your membership.

Mobile App

Our New Mobile App Is Available

Android users will need to download a new app from the Google Play Store by clicking here.

Apple users will need to do an update to their app and will not need to download a new app.

The new app offers many features. One new feature is called Snapshot, which allows you to select accounts to show balances at the time you open the app without having to log in.

Download our FREE Mobile App from the App Store or Google Play for your mobile device.

MOBILE APP FAQs

Where is my GCEFCU mobile app?

How do I download the GCEFCU mobile app?

How do I add the Snapshot feature to my mobile app?

The new GCEFCU mobile app has a feature called Snapshot, where you can view your account balance without logging into the app. You can enable this feature by logging into the app and selecting the SETTINGS tab within the menu. Enable SNAPSHOT and select the accounts you wish to view. You are now able to view these accounts by opening the GCEFCU app and selecting SNAPSHOT in the left hand corner.

How do I deposit my check with the mobile app?

Bill Pay

Bill Pay Changes

One major upgrade for Bill Pay is full integration and full capability in online, mobile and the app. If you see any issues within your Bill Pay section of online banking, feel free to call or text us with any questions.

BILL PAY FAQs

Where is my bill pay history?

You can view your bill pay history by logging into online banking and clicking the BILL PAY icon on the left. Select the HISTORY tab and from there you can filter through your bill pay history.
If you are the joint owner of an account that you are attempting to view the bill pay history on, the payment history prior to January 29, 2019 may only be viewable by the primary account owner. If you need access to this history, please call or text us at 281-487-9333.
If you still cannot view your bill pay history or if you have any questions, please feel free to call or text us at 281-487-9333.

Where are my bill pay payees?

You can view your bill pay payees by logging into online banking and clicking the BILL PAY icon on the left. All payees should be listed on your Bill Pay Dashboard.
If you are the joint owner of an account that you are attempting to view the bill pay payees on, the payees added prior to January 29, 2019 may only be viewable by the primary account owner. If you need access to these payees, please call or text us at 281-487-9333.
If you still cannot view your bill pay payees or if you have any questions, please feel free to call or text us at 281-487-9333.

How do I set up bill pay?

You can set up your bill pay account by first adding a payee. Simply log into online banking and click the BILL PAY icon on the left. Then select the ADD A PAYEE button and choose whether you are wanting to pay a business or a person. You will then need to enter additional information about who you are paying. For a business, you will need your account number with that specific business and the address where we will send the payment. Once you have added your payee, you can schedule a payment right from your Bill Pay Dashboard. If you have any questions, please feel free to call or text us at 281-487-9333.

Remote Deposit

Remote Deposit Updates

Members no longer need a separate login for Remote Deposit (RDC). We will continue with the same deposit times we currently use (9 AM and 4 PM). We are working to increase the frequency and timing at which deposits are made in the near future.

One big change will be in the area of the endorsements to the checks. Due to recent changes in remote deposit rules, deposits will not be accepted if they do not include the following:

The endorsement must say “for mobile deposit only at GCEFCU.” You must also sign and date the back of the check as well.

REMOTE DEPOSIT (RDC) / DEPOSITING CHECKS FAQs

What is RDC?

Where do I log in to my RDC account?

How do I deposit my check with the mobile app?

A2A & P2P

Account to Account & Person to Person Payment Updates

A2A transfers (transfers from your Gulf Coast Educators accounts to accounts you may have at other financial institutions) are available to set up. P2P payments may not be available for several months, as we are moving to Zelle for real time P2P payments.

To set up external accounts, you will need the routing number and account number of the other financial institution. You will receive two small deposits in the external account which you will need to enter to confirm ownership and begin making transfers.

DPX PAY / TRANSFERRING MONEY FAQs

What is DPX Pay?

Where are all my external accounts I had set up?

Due to the online banking upgrade, we were unable to transfer over existing external accounts set up within DPX Pay. You can add your external accounts into our new platform by logging into online banking from your desktop computer and going to the SETTINGS section. Select the ACCOUNTS tab and click LINK AN EXTERNAL ACCOUNT. Once you have completed all of the steps, you can make transfers to and from your external account within the TRANSFERS section of online banking. If you have any questions, please feel free to call or text us at 281-487-9333.

How can I transfer money to another person?

You can transfer money to an existing GCEFCU member by logging into online banking and selecting the TRANSFERS icon. Under the CLASSIC tab, you can select to TRANSFER TO ANOTHER GULF COAST EDUCATORS FCU MEMBER. You will need to know the member’s last name, account number, and their Share ID. Please use the table below to determine what their Share ID is:
Share ID for Savings Accounts – 01
Share ID for Checking Accounts – 05
Share ID for Advantage Checking Accounts – 07

How can I transfer money to another credit union or bank?

You can transfer money to your accounts at other credit unions or banks by adding them as an external account. Simply log into online banking from your desktop computer and go to the SETTINGS section. Select the ACCOUNTS tab and click LINK AN EXTERNAL ACCOUNT. Once you have completed all of the steps, you can make transfers to and from your external account within the TRANSFERS section of online banking. If you have any questions, please feel free to call or text us at 281-487-9333.

Other Changes

Other Changes & Feature Specifics

Account Aggregation: You are now able to link to credit cards and accounts at other financial institutions and see the balances of those accounts within your new online banking system

Cross Member Transfers: You are now able to set up your own cross member transfers without calling the credit union. You will need the last name, member number and account type of the membership you wish to transfer to.

Scheduled Transfers: Your existing scheduled transfers should have transferred from the old online banking system to the new system.

Account Alerts: You will need to set up new notifications on your new online banking system. Fortunately, there are many new options for notifications, including daily balance summary and loan payment reminders.

Quicken Integration: We will continue to offer the ability for members to integrate their account data into Quicken. Please visit our special Quicken page for instructions needed.

Budgeting Tools: Your new online banking system has an integrated budgeting tool where you can classify transactions and create budgets for different expenses.

Savings Goals: Your new online banking system has an integrated savings goal feature that allows members to set goals for their savings accounts and track progress of the goals.