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Mobile Banking Frequently Asked Questions

Is there a fee to use Mobile Banking?
Is it safe to use Mobile Banking?
Why are there times when I am prompted to answer a security question when I login to Mobile Banking?
Can I have more than one phone signed up for Mobile Banking?
What types of transactions can I conduct through Mobile Banking?
Are there any transactions I can’t conduct with Mobile Banking?
How do I sign up for texting?
What is the texting number and short codes?
Why does my balance not match my actual balance in my account?
Is any other information available at your mobile site?
Do I need to be registered for OnLine Banking for Mobile Banking to work?
Do I use the same password as with OnLine Banking?
Can I access Bill Pay or my electronic statements with Mobile Banking?
What if my connection is dropped? How do I verify my Mobile Banking transaction?
If I lock myself out of Mobile Banking, will I be locked out of OnLine Banking too?
Do Mobile Banking transactions follow the same limits as OnLine Banking?
How can I find additional account history?

Q: Is there a fee to use Mobile Banking?
A: No. Mobile Banking is a FREE service for our members.

Q: Is it safe to use Mobile Banking?
A: Our secure Mobile Banking site uses 256 bit encryption. For all web use on a handheld device, we recommend security measures such as privacy screens, placing a password and lock timer and protecting the physical security of your device at all times.

Q: Why are there times when I am prompted to answer a security question when I log into Mobile Banking?
A: Answering security questions provides an additional layer of security.

Q: Can I have more than one phone signed up for Mobile Banking?
A: Yes, you can have more than one phone number registered on your account. However you can't use the same number assigned to multiple accounts.

Q: What types of transactions can I conduct through Mobile Banking?
A: Mobile Banking can be used for balance inquiries, to transfer funds within the same account and to check your account history. Only share account balances are viewable through Mobile Banking. In addition to conducting transactions, you can also review our branch and ATM locations and connect via phone to a GSCU Member Service Rep.

Q: Are there any transactions I can’t conduct with mobile banking?
A: Mobile Banking can be used for quick and simple transactions only. You cannot conduct Bill Pay transactions or make check deposits via DeposZip® through Mobile Banking. These types of transactions are available with OnLine Banking.

Q: How do I sign up for texting?
A: We now offer texting, so you can request account balance via text. You can sign up for texting under the Self Service tab. Once you sign up you'll receive texts with instructions on how to proceed. It's that easy!

Q: What is the texting number and short codes?
A: Text your request to this number 39872.
To get your balance text "BAL"
To get your account history text "HIST" and the account abbreviation.
To find a branch text "BRANCH"
To find an ATM text "ATM".

Q: Why does my balance not match my actual balance in my account?
A: All account balances within mobile banking reflect available balances only, not actual balances, simply to preserve space on the small screens of mobile devices. Your actual balance can still be obtained through OnLine Banking or 24-Hour Telephone Teller at 800-368-2221.

Q: Is any other information available at your mobile site?
A: In addition to conducting transactions, you can also find our branch and ATM locations.

Q: Do I need to be registered for OnLine Banking for Mobile Banking to work?
A: Yes! You will need to first register for OnLine Banking. This is a simple set up. You just need your member number, PIN, and Primary Member's Social Security Number to get started. 

Q: Do I use the same password as with OnLine Banking?
A: Yes. We’ve given members the added convenience of Mobile Banking without any additional set up. You login to Mobile Banking using the same credentials as OnLine Banking.

Q: Can I access Bill Pay or my electronic statements with Mobile Banking?
A: This functionality is not available on our current Mobile Banking platform. You can conduct these transactions via OnLine Banking.

Q: What if my connection is dropped? How do I verify my Mobile Banking transaction?
A: You will receive a message noting a transaction was successful. If you want to verify your transaction went through, you may check your account history via Mobile Banking.

Q: If I lock myself out of Mobile Banking, will I be locked out of OnLine Banking too?
A: Yes. It works both ways. If you lock yourself out of one (entering incorrect password multiple times, etc.), you are also locked out of the other. But you simply need to contact the credit union at 800-645-4728 or via email at homebanking@gscu.org to unlock your account.

Q: Do Mobile Banking transactions follow the same limits as OnLine Banking?
A: Yes. The credit union’s transaction limitations also apply to mobile banking. There are federally regulated savings withdrawal and transfer limits by all financial institutions. Granite State Credit Union complies with the Federal Reserve Bank's Regulation D. This regulation limits the number of transactions you can make from your share (savings) accounts each month. Share accounts include Regular, Special, Vacation, Christmas, Tax and Advantage Savings, as well as Money Market Accounts. Click here for a complete Guide to Transaction Limitations.

Q: How can I find additional account history?
A: Only 30 days of account history are available on Mobile Banking. To view additional history you may access your account via OnLine Banking.

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