Protect your accounts, loans, home, property, and loved ones with our loan protection and insurance options!
In order to ensure your Debit/ATM card is protected we use the leading fraud prevention service called EnFact. No matter how careful you are with your financial records, criminals may still find ways to access your card information. By monitoring your normal spending patterns, our fraud protection service evaluates your transactions for suspicious activity. This service helps protect you from fraudulent activity. There are multiple reasons a transaction can be flagged as potentially fraudulent. This may include sudden changes in purchase locations, an increase frequency in high dollar transactions or your card is used unexpectedly overseas or in a foreign country.
Once EnFact identifies the transaction as suspicious, the EnFact automated system will contact you to verify the transaction in question. Your response to this call is critical to prevent potential risk and avoid restrictions we may place on your card. If you confirm that the transaction is not legitimate, the card is immediately blocked to prevent fraud from recurring.
You should expect the following when being called:
What you can do to protect yourself…
o EnFact (Domestic) 1.877.253.8964
o EnFact (International) 1.973.682.2652
Our fraud monitoring network, Enfact, watches for suspicious or unusual transactions, and if a suspicious transaction appears on your card, soon you'll receive a text asking if it's legitimate. You can simply respond "YES" to confirm, or "NO" to report the transaction as fraudulent and have your debit card blocked from additional fraudulent charges!
In addition to text alerts, emails will also be sent with instructions on how to confirm a legitimate transaction or report it as fraud. Emails are sent from: noreply@EnFactNotifications.com
Ensure your cell phone number and email address are updated in our files so you can take advantage of this great offer! To update your contact information please visit a branch or send us a secure message via OnLine Banking!
Show Fraud Who's Boss with CardControl!
Save time and maintain security safeguards to protect against fraud by controlling the cards in your wallet with the phone in your pocket.
Every time you take out a loan, it impacts your financial picture. Loan Protection products can ensure your loan doesn't turn into a financial burden.
Credit Life Insurance is designed to reduce or pay the insured balance of your loan if you die during the term of your loan.
Credit Disability Insurance is designed to pay your loan payments (up to the contract limit) if you become ill or disabled and are unable to work at any time during the term of you loan.
Payment protection may make sense for you. It could be an effective way to supplement any other life or disability insurance you carry (check with your employer to determine if you have any current short-term or long-term disability benefits).
Payment Protection Benefits
Protect your family's financial security. Protects your credit rating. Ensures your loan will not end up in default in the event of your disability or death.
Simplified eligibility. You can usually obtain Payment Protection up to the age of 65 and even up to the age of 70 in some states. Also, a medical exam is usually not required, although, general health questions may be asked. Your insurance becomes effective as soon as your loan is finalized.
Convenient. Applying for Payment Protection is easy and usually done at the same time of the loan application. Your premium is included with your monthly payment. If you do not sign up for Payment Protection at the time of your application, you can do so at any other time after your loan closing. However, once the loan has been in place for 30 days, you'll have to provide evidence of good health in order to receive coverage.
*Note: This advertises the following Group Credit Insurance Policy Forms: Minnesota Mutual XXX-4000 series, and Minnesota Life MHC-XX-4000 series and XX-60000 series as well as any applicable state variations.
Your credit union can also help close the gap with protection that picks up where auto insurance leaves off. Guaranteed Asset Protection (GAP) is a voluntary non-insurance program that helps pay the difference between a vehicle’s actual cash value and your loan balance according to your policy, subject to limitations and exclusions. It protects you in the event your vehicle is declared a total loss by your insurance company or stolen and not recovered. Coverage can be conveniently included in your loan payment. With GAP Advantage, members receive $1,000 towards their new GSCU auto loan if financed within 90 days from the date of total loss of the covered vehicle.
Call 24-Hours a day!
Have questions? Call 24/7 to speak to a lending representative anytime with Lending After Hours at 1-800-645-4728.
Mechanical Breakdown Protection (MBP) provides protection against mechanical breakdowns beyond your existing manufacturer's warranty. Get the most comprehensive coverage for your car, truck, SUV, motorcycle, or ATV, at a discounted rate from your credit union.
Although you should consider refinancing your existing auto loan with GSCU, you do not need to have a consumer loan with us to qualify for this extended warranty offer.
To ensure the confidentiality of private information sent via email and comply with privacy laws, Granite State Credit Union has implemented an email encryption service.
GSCU offers a two-way email encryption solution that eliminates the need for specialized software or certificates. All you need is an Internet connection, a web browser that supports 128-bit SSL encryption, and a Granite State Credit Union Secure Email account.
If you have not received an expected email from us, please check your spam folder first. Steps to add trusted email addresses to your "whitelist" so that they can pass easily through your spam filter vary across different email and Internet security platforms. It may be as simple as adding gscu.org to your Contacts list or clicking sender name "Mark as Not Spam."
How To Open Your Email
When the credit union sends you a secure email message, you will receive a notification email with instructions on how to open the message. The notification message arrives in your email Inbox. You should select Open Message in the notification to go to the Secure Message Center and view your email.
You must go through a simple one-time registration process.
How To Set Up Your Email Account
Enter your email address and a password to register and begin sending and receiving secure messages.
After you register and sign in to the Secure Message Center, your message will open and you can view the message details and Reply.
Login Secure Message Center
To help protect your privacy, if you should need to send personal account information, such as your member number or Social Security Number, to the credit union we recommend using our Secure Message Center.
After 3 failed logon attempts to Granite State Credit Union’s Secure Message Center, your account for the secure messaging portal will be locked.
You will receive an email at the address you registered notifying you that your account is locked. Click on the Granite State Credit Union link to return to the login page.
At the bottom of the login page click on "Forgot your password?"
To Reset your password, enter your email address and your new password then click on Reset.
You will receive an email at the address you registered notifying you to confirm your account change.
Yes. After you view your email, you can select Reply or Reply All to send an encrypted email back to the credit union. You can also use the Compose page to initiate a secure email to the credit union.
Messages sent to you by the credit union will expire 14 days from the date sent.
Most major mobile devices can be used to access secure messaging, including Apple iPhone® and iPad®, BlackBerry®, devices and Android® devices.
Most Internet browsers will work with secure messaging, including Microsoft Internet Explorer®, Mozilla Firefox®, and Apple SafariTM.
For many members, email has become the preferred method of communication. However, email is not a private conversation. Unencrypted email can be intercepted and ready by people for whom the email was not intended. Secure Messaging is an email encryption solution that uses the best method of delivery.
Safeguarding our member’s accounts and financial information remains GSCU’s top priority. While GSCU utilizes sophisticated security technology, we recommend members take steps to protect themselves.
Criminals attach a card-skimming device to an ATM or payment processing terminal to steal card information. This can be done with skimmers that read the magnetic strip or computer chip on the card, small cameras to record finger movement when entering passwords, electronic equipment directly installed into the ATM or payment terminal, or an overlay device on top of the keyboard area to record PINs.
Machines in public areas such as airports, gas stations, or stores are the most vulnerable.
How to protect yourself:
Malware – software that is intended to damage or disable computers and computer systems
Social Engineering – the act of obtaining, or attempting to obtain, secure data by conning an individual into revealing secure information
Firewall Protection – software programs designed to protect a network by preventing unauthorized users from gaining access or by monitoring transfers of information to and from the network
Anti-virus Protection – computer software used to prevent, detect, and remove malicious computer viruses
Hacker – a person who uses computers to gain unauthorized access to data
Virus – a piece of code that is capable of copying itself and typically has a detrimental effect, such as corrupting the system or destroying data
Contact Member Services if you experience any of the following scenarios:
Peace of mind is the perfect addition to any home. Mortgage Life Insurance, underwritten by Minnesota Life Insurance Company, pays off or reduces your mortgage balance in the event of your death* - helping your family keep the home they love.
In the event of your untimely death, Mortgage Life Insurance benefits are sent directly to your lending institution to pay off or reduce your mortgage debt, relieving your family or co-homeowner of a major, long-term debt. All homeowners under the age of 70 are eligible to apply. Benefits include:
* Plan does not cover suicide during the first two years of coverage.
**If two borrowers are insured for joint Mortgage Life Insurance, only one living insurance benefit will be payable under the policy.
Mortgage Life Insurance offered under Minnesota Life policy form series MHC-88-15323T, MHC-99-15730V, and any state variation thereof.
Nationwide brings you health insurance coverage for your pets. A pet insurance policy from Nationwide helps pay for your pet's treatments, surgeries, lab fees, X-rays, and much more. You'll have the peace of mind knowing you can care for your pet no matter the cost. You're eligible for a discount when you enroll through your company or organization. Save even more when you enroll multiple pets.