eStatements

• Why does my statement note a past due date but the amount it notes as past due is $0?
  

  This is simply the format in which loan due dates are reflected on the statements. Payments received after this date would be considered past due.

• What does the "Balance Subject to Interest" field on my Home Equity Line-of-Credit and Overdraft Line-of-Credit mean?
  

  This reflects the average daily balance for the loan for the billing cycle.

• Why can't I see eStatements for the accounts I'm a joint owner on?
  

  Due to security, members are identified as unique individuals as opposed to simply accounts. eStatements can only be accessed via the primary member's OnLine Banking log-in. Just as paper statements are addressed to the primary account owner as opposed to both the primary and joint, eStatements are handled in the same fashion.

• Within OnLine Banking all of my accounts are available under one login, so why do I receive multiple statements?
  

  If you would like to receive one combined statement for all accounts which you are the tax reported owner on, you may contact Member Services at 800-645-4728.

• My Life & Disability Premium appears to post twice on my statement. Am I being charged twice?
  

  The first line "Life Insurance Premium Calculation" or "Disability Insurance Premium Calculation" is simply a calculation of the premium and does not impact your account balance. The second item, "Loan Charge Capitalization" reflects the actual charge.

• What does it mean when a check image on my statement notes "Image for this item not found"?
  

  This occurs when a member's check is cleared over the counter at a GSCU teller line or if the check clears electronically at a merchant through ACH.

• My statement notes a skipped check. What does this mean?
  

  This simply alerts members that a check has cleared their checking account out of numerical sequence.

• Why aren't the nicknames I set up for my accounts in OnLine Banking reflected on the statement?
  

  Nicknames set in OnLine Banking are for member's personal use and are currently not a function of the statement process.