Upcoming Policy Updates

We want to inform you of some upcoming changes being made to our Funds Availability Policy, Membership Agreement, and Fee Schedule. These changes are part of our ongoing commitment to transparency and to better serve our members. Read below to learn more about the updates and when they will go into effect.

Funds Availability Policy – Effective July 1, 2025, the dollar amounts set forth in our Funds Availability Policy are being updated to align with the new regulatory requirements. The dollar amounts will be adjusted to increase the amount available from checks that are placed on hold as follows:

• Minimum Dollar amount – Increasing from $225 to $275
• Exception Hold amount – Increasing from $5,525 to $6,725

Fee Schedule – Effective September 1, 2025, members will be charged a $5 per month fee after one year of inactivity.

Membership Agreement Update – You can view the latest version of your GCEFCU Membership Account Agreement by clicking here. You can also request a physical copy at any GCEFCU branch location or by giving us a call at 281-487-9333.