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.
Learn more about your GCEFCU Mobile App Tools:
Reimagined Mobile App
See the latest CX changes to the credit union’s mobile app.
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
EASY
Send money to almost anyone you know and trust2 using just an email address or U.S. mobile phone number.
How to start using Zelle:
- Log into the Gulf Coast Educators Federal Credit Union app.
- Select Send money with Zelle®.
- Enroll your U.S. mobile number or email address
- Send money to friends family and others you know and trust.
Download the Gulf Coast Educators FCU App:
1. What is Zelle?
Zelle is a fast, safe and easy way to send money directly between almost any bank accounts in the U.S., typically within minutes1. With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank.2
2. Who can I send money to with Zelle?
You can send money to friends, family and others you trust2.
Since money is sent directly from your bank account to another person’s bank account within minutes1, it’s important to only send money to people you trust, and always ensure you’ve used the correct email address or U.S. mobile phone number.
3. How do I use Zelle?
You can send, request, or receive money with Zelle. To get started, log into your mobile banking app and select “Send Money with Zelle®”. Following the prompts, enter the information requested, accept the terms and conditions, and you’re ready to start sending and receiving with Zelle.
To send money using Zelle, simply select someone from your mobile device’s contacts (or add a trusted recipient’s email address or U.S. mobile phone number), add the amount you’d like to send and an optional note, review, then hit “Send.” In most cases, the money is available to your recipient in minutes1.
To request money using Zelle, choose “Request,” select the individual from whom you’d like to request money, enter the amount you’d like to request, include an optional note, review and hit “Request”3.
To receive money, just share your enrolled email address or U.S. mobile phone number with a friend and ask them to send you money with Zelle.
4. Someone sent me money with Zelle, how do I receive it?
If you have already enrolled with Zelle, you do not need to take any further action. The money will move directly into your bank account, typically within minutes1.
If you have not yet enrolled with Zelle, follow these steps:
- Click on the link provided in the payment notification you received via email or text message.
- Select your bank or credit union’s name.
- Follow the instructions provided on the page to enroll and receive your money. Pay attention to the email address or U.S. mobile phone number where you received the payment notification – you should enroll with Zelle using that email address or U.S. mobile phone number to ensure you receive your money.
5. What types of payments can I make with Zelle?
Zelle is a great way to send money to friends, family and people you are familiar with such as your personal trainer, babysitter or neighbor2.
Since money is sent directly from your bank account to another person’s bank account within minutes1, Zelle should only be used to send money to people you trust.
Neither Gulf Coast Educators Federal Credit Union, nor Zelle, offers a protection program for any authorized payments made with Zelle – for example, if you do not receive the item you paid for or the item is not as described or as you expected.
6. How do I get started?
It’s easy — Zelle is already available in your mobile banking app! Check your app and follow a few simple steps to enroll with Zelle today.
7. What if I want to send money to someone whose bank or credit union doesn’t offer Zelle?
To enroll with the Zelle app, your recipient will enter their basic contact information, an email address and U.S. mobile number, and a Visa® or Mastercard® debit card with a U.S. based account (does not include U.S. territories). Zelle does not accept debit cards associated with international deposit accounts or any credit cards.
8. How does Zelle work?
When you enroll with Zelle through your GCEFCU mobile app, your name, Gulf Coast Educators FCU, and the email address or U.S. mobile number you enrolled is shared with Zelle (no sensitive account details are shared – those stay with the credit union). When someone sends money to your enrolled email address or U.S. mobile phone number, Zelle looks up the email address or mobile number in its “directory” and notifies the credit union of the incoming payment. GCEFCU then directs the payment into your bank account, all while keeping your sensitive account details private.
9. Can I use Zelle internationally?
10. Can I cancel a payment?
If your recipient has not yet enrolled with Zelle, the payment will remain pending and the money will not move from your account. If the recipient does not enroll within 14 days, the payment will expire, and the transaction will need to be made again.
If the person you sent money to has already enrolled with Zelle, the money is sent directly to their bank account and cannot be canceled. This is why it’s important to only send money to people you trust, and always ensure you’ve used the correct email address or U.S. mobile number when sending money.
If you sent money to the wrong person, we recommend contacting the recipient and requesting the money back. If you aren’t able to get your money back, call our customer support team at 281-487-9333 team so we can help you.
11. How long does it take to receive money with Zelle?
Money sent with Zelle is typically available to an enrolled recipient within minutes1.
If you send money to someone who isn’t enrolled with Zelle, they will receive a notification prompting them to enroll. After enrollment, the money will move directly to your recipient’s account, typically within minutes1.
If your payment is pending, we recommend confirming that the person you sent money to has enrolled with Zelle and that you entered the correct email address or U.S. mobile phone number.
If you’re waiting to receive money, you should check to see if you’ve received a payment notification via email or text message. If you haven’t received a payment notification, we recommend following up with the sender to confirm they entered the correct email address or U.S. mobile phone number.
Still having trouble? Call our customer support team at 281-487-9333 so we can help you.
12. Will the person I send money to be notified?
Yes! They will receive a notification via email or text message.
13. Is my information secure?
14. I’m unsure about using Zelle to pay someone I don’t know. What should I do?
These transactions are potentially high risk (just like sending cash to a person you don’t know is high risk). Neither Gulf Coast Educators Federal Credit Union nor Zelle offers a protection program for any authorized payments made with Zelle – for example, if you do not receive the item you paid for or the item is not as described or as you expected.
15. What if I get an error message when I try to enroll an email address or U.S. mobile number?
16. Can I pay a small business with Zelle?
Neither Gulf Coast Educators Federal Credit Union, nor Zelle, offers a protection program for any authorized payments made with Zelle, so you should only send money to people (and small businesses) you trust. Also, always ensure you’ve used the correct email address or U.S. mobile number when sending money.
Disclosures:
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
We 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.
A 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
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
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.
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.
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.
PayPal
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.