Your Go Premium Checking with GTE Secure keeps our member’s financial safety top of mind. Below is a list of the great features of GTE Secure.

• With just one Go Premium Account – these benefits apply to your eligible family members. (See Welcome Kit)
• Simply register in GTE Online Banking to Activate:

1. Credit File Monitoring - daily credit file monitoring and automated alerts of key changes to your Experian®, Equifax® and TransUnion® credit reports
2. 3-in-1 Credit Report - request new report every 90 days or upon receipt of a credit alert
3. Identity Monitoring - monitoring of over 1,000 databases to identify suspicious activity.
4. Credit Score - receive a new single bureau credit score with every new credit report
5. Debit and Credit Card Registration
6. Online Identity Theft News Center and Valuable Phone and Web Resources

• Fully Managed Identity Theft Resolution Services - access to a fraud specialist assigned to manage your case who will work with you until your credit and identity are restored
• Identity Theft Recovery Case Plan - to inform you of the recovery process
• Up to $10,000 Identity Theft Expense Reimbursement Coverage

1. Simply log into Online Banking  and navigate to Go Points.
2. Locate “Redeem Points” in the main navigation. Select Go Points Offers from the dropdown menu
3. You will see an option to select “Go Full Access Fee Reimbursement”. Follow the prompts, and your reimbursement will be deposited into the account of your choosing.

Yes! Simply request your 3-in-1 report. This is available to you and your eligible family members once every 90 days, or upon receipt of a credit alert. Every new report includes your Equifax credit score.

Note: Eligible family includes spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account holder who are residents of the same household. Each eligible family member must have a separate Go Premium registration, and each individual must have a unique email address to receive their credit report and alerts online.

By meeting simple qualifications each month, this account comes with no monthly cost!

You have two ways to waive:

• Use Go Points: Waive the monthly fee with 750 Go Points that you have earned from simple day-to-day activities with GTE.
• Hit these simple qualifications: Sign up for eStatements AND - either deposit an aggregate of $500 in deposits per month or make a combination of 15 monthly signature debit and/or credit card transactions.

1. Simply log into Online Banking and navigate to Go Points.
2. Locate “Redeem Points” in the main navigation. Select Go Points Offers from the dropdown menu.
3. You will see an option to select “Go Full Access Fee Reimbursement”. Follow the prompts, and your reimbursement will be deposited into the account of your choosing.

In order for you to take advantage of full benefits, you’ll want to deposit at least $500 total in your account within the month. These deposits could come from:

• A direct deposit (i.e. your employer puts your check directly into your account)
• Depositing checks or cash at an ATM or ITM
• A money wire or ACH transfer of cash into the account

The Go Student Checking account is absolutely FREE! There is no monthly cost. We know students are still learning how to manage their money! Sign-up for eStatements to take advantage of additional benefits, like:

• 1 waived Non-Sufficient Funds fee per month. If you accidentally spend more than you have, we’ll waive the $ 35 charge for over-drawing your account. Make sure to sign-up for Account Balance alerts and use our FREE virtual banking services to check your money status 24/7.
• 1 waived foreign GTE ATM fee per month. 

GTE wants to provide the best account fit for everyone! If the Go Further account is recommended to a prospective member, it is possible that the person has been put on the ChexSystems register. While other financial institutions may turn the person away, GTE wants to provide a second-chance checking account. 

GTE wants to work with our members to set them on the right track!

Your account comes with an automatic Annual Upgrade Review that may allow you to upgrade to our Go Full Access or Go Premium accounts. If we can get you into an enhanced account,..we will!

In order to qualify for an upgrade, here is some general criteria:

• Have no more than 2 Non-Sufficient Funds fees per year
• Ensure your account is not overdrawn more than 3 days per year
• Have no returned checks
• Have no charge-offs in the last 5 years

While there is a $9.95/month fee for this account type, other banks typically charge much more. Another amazing feature you can even have the fee waived if you meet these two criteria:

• $500 in aggregate deposits per month
• Combination of 15 signature debit and/or credit card transactions per month

In order for you to take advantage of full benefits, you’ll want to deposit at least $500 total in your account within the month.

These deposits could come from:

• A direct deposit (i.e. your employer puts your check directly into your account)
• Depositing checks or cash at an ATM or ITM
• A money wire or ACH transfer of cash into the account

If you’re trying to make a purchase that exceeds the amount available in your account, you can have funds automatically transferred from an eligible account into your checking with Overdraft Protection for a small fee. You will need to designate which accounts you want to use.

To link one of your accounts, simply complete the ‘Overdraft Protection’ form in Online Banking. You can also visit a Community Financial Center or give us a call at 813.871.2690 or toll-free at 1.888.871.2690.

Please see the Account Disclosure and Member Schedule of Current Charges for a more thorough explanation of Overdraft Protection and when a fee may be assessed for overdrawing your account.

No, you must opt-in or opt-out for each checking account you own by completing the Mail-in or Online Banking Form.

Checking accounts are automatically enrolled in Courtesy Pay for checks and Automated Clearing House (ACH) payments. If you would like to authorize Courtesy Pay coverage for ATM and Debit Card transactions, you can complete the Mail-in or ‘Courtesy Pay’ form in Online Banking. 

Limits are not published as they may be recalculated at any time and are based on confidential factors including the age of the account, activity, as well as account history. Accounts must also be in good standing to be opted-in to the program.

Courtesy Pay is a discretionary service to our members, and while we strive to pay overdraft items whenever possible, there is no guaranteed limit amount or approval. 

Yes, we will send a notice when an overdraft occurs in Online Banking. 

No. Whether a transaction will be paid is discretionary and we reserve the right not to pay. Most overdrafts are paid, but there is no guarantee.

If you conduct an ATM or Debit Card transaction that will exceed the available balance of your overdraft account, opting-in will allow us to approve that transaction through the Courtesy Pay program and charge a fee to your account. If you opt-out, those transactions will be declined.

Debit Card purchases that are set up to bill automatically may continue to be authorized at our discretion even if you do not opt-in. These transactions may incur a fee if you do not have enough funds available at the time of the transaction.

One owner may opt-in or opt-out for a joint account. Likewise, any owner can revoke the opt-in or opt-out on a joint account.

Please see the Account Disclosure and Member Schedule of Current Charges for a more thorough explanation of Courtesy Pay and when a fee may be assessed for overdrawing your account.

GTE Financial members have FREE access to almost 30,000 CO-OP ATMs throughout the U.S. and Canada. Use them to withdraw money, make a deposit, and check your balances.

When you are using a non-GTE ATM please make sure to select "ATM" as the transaction type.

There are 2 easy ways to find a free ATM nearest you:

• Mobile App: use the CO-OP ATM Locator mobile app for iPhone or Android to find the ATM nearest you, or search for ATMs by specific address, city, state or zip code. Downloading the app is easy and there’s no registration process.
• Text Message: locate a Free CO-OP ATM via text message. Simply determine your location or area, then text the address, intersection or zip code to 91989*. You’ll receive a prompt text response with the location of the CO-OP ATM nearest the location you requested.  

*CO-OP Network ATMs at the number 91989 is a free service but check with your mobile phone provider as standard text messaging rates apply. And don’t worry, you’ll never receive any unsolicited messages by using the number 91989. 

No. If you use one of our free CO-OP ATMs, you simply insert your card and handle your transaction. You will not be charged a fee. For ATMs that do require a fee, there will be an additional screen letting you know that a fee will be assessed.

At GTE Financial ATMs, you can withdraw up to $500 from your checking account per 24 hour period. Withdraw limits will vary at ATMs not owned by GTE.

If your card is lost or stolen, contact us right away at 813.871.2690 or toll-free at 1.888.871.2690 Monday through Sunday 7:00am - 8:00pm

For after-hours please call 813.414.6932

For security measures, when traveling outside of your normal spending area (out of state or country), your card will need to be "unblocked" to be approved for purchases.

To unblock your card:

• Log into Online Banking
• Hover over the "Accounts Tab" and select "Travel Notifications"

All cards up for renewal will be shipped within 7 to 10 business days before the expiration date. For example, if your card has an expiration date of 03/12, the renewal card will be sent at the end of March for you to begin using on April 1st. If it has been more than 10 business days, please contact Member Care at 813.871.2690 or toll-free at 1.888.871.2690.

The easiest way is to apply online. Follow the application instructions and then instead of choosing to apply for a new card, select your existing one and indicate you’re applying for a credit line increase.

You can also call our Consumer Lending team at 813.871.2690, or visit any of our Community Financial Centers. 

Yes, you can do so at a Community Financial Center, an ATM (if you know your PIN), or any other financial institution that accepts cash advances.

Yes, you may make the payment using GTE OnScreen at any of our locations. The best way to make a payment to your credit card is through Online Banking.

You can login to Online Banking, and select 'Credit Card Balance Transfer' under 'Payments' at the top. You can view more details about balance transfers here.

Merchants only provide GTE Financial with the limited information that is shown in the transaction description.

If a telephone number is provided in the description, we strongly encourage you to contact the merchant first. If your attempts to contact the merchant fail, please complete the "Debit Card and Credit Card Dispute/Fraud Form" located in Online Banking under the "Resources" section in "Forms" on main navigation menu. We will then attempt to dispute the transaction with the merchant on your behalf. Please include copies of any receipts that pertain to the transaction.

If you believe this transaction is a fraudulent charge (not authorized by you or a joint account owner), complete the Debit Card and Credit Card Dispute/Fraud Form, available under Resources in Forms, on the main navigation menu in Online Banking. You may submit this form by fax to the number found on the bottom of the form, or at any Community Financial Center.

If you would like to dispute a check on your account, please complete the Unauthorized Share Draft Activity Form, available in "Resources > Forms" under "Everything Else" on the main navigation menu of Online Banking.

If you would like to dispute a check that has cleared your account, please complete the "Statement of Unauthorized Share Draft Activity" located in "Online Banking" in the "Resources" section under "Forms." We will attempt to dispute the transaction with the person/merchant the check is written to on your behalf.

Merchants only provide GTE Financial with the limited information that is shown in the transaction description.

If a telephone number is provided in the description, we strongly encourage you to contact the merchant first. If your attempts to contact the merchant fail, please complete the ACH Dispute Form/Written Statement of Unauthorized Debit Form located in Online Banking in the Resources section under Forms. We will then attempt to dispute the transaction with the merchant on your behalf.

Pending debit card transactions and direct deposits can be viewed by logging into Online Banking and clicking on the account number you would like to view. An overview page will show the number of and total amount of pending transactions. Select the "Transactions" tab in the top right of the page for an itemized listing.

We do not hold direct deposits for any reason and will post all direct deposits as they are received. Most deposits we receive are posted before noon every day.

If you are waiting for a direct deposit that has not posted to your account, please contact the payroll department or company sending the deposit to your account to inquire when it was sent.

To obtain information about the direct deposit of a tax refund; please visit the IRS's website at www.IRS.gov, or call their toll free number 1.800.829.4477.