Electronic Services

Electronic Services …. Payroll deductions…Direct Deposit…Online Banking…CU*Talk (Audio response.) You can have your auto/house insurances
come out of your accounts….you can have your utilities come out of your accounts. Whatever you are comfortable with, let us help you! We are ready and willing to answer your questions ….electronic services are suppose to make your life easier!!

Payroll Deductions
Payroll deductions are available….Canadian National and the Illinois Central… stop in and sign up for payroll deduction. IF you don’t see it (the
money), maybe you can save it (the money)!! Payroll deduction is a great way to pay loans, set money aside in you Christmas Club, Vacation Club … just to have a little extra cash hidden away!!

Direct Deposits (Direct Deposit Form)
Your day is busy enough and on payday, often there is no time to get to your credit union to deposit or cash your paycheck. That’s why you should be using DIRECT DEPOSIT——- the safer, faster, smarter way to get paid! Your pay can’t be lost or stolen. You’ll have instant access to your money—- no more waiting and worrying whether your paycheck has cleared when you need to pay your bills. Only you can access your account. And even if you can’t get to your credit union on payday, your money will be there.

Direct deposit is safer than a paycheck because your pay is automatically deposited into your account. No more risk of a lost or stolen check with direct deposit. Direct deposit is one of the most confidential methods of processing a paycheck. You don’t have to spend valuable time cashing or depositing your paycheck because Direct Deposit does it for you!! No matter where you are on payday— traveling on business, on vacation or off sick, your pay will be in your account, immediately available for your needs. With Direct Deposit, you can be sure your pay is deposited into you account on time, correctly and confidentially. With Direct Deposit, you can have your entire pay deposited into one account. Or, you may be able to split your pay among several accounts, making it easy to automatically set a certain amount for your share account and/or sharedraft account.

Wire Transfer
Incoming Wire Instructions
When wiring funds to us from another financial institution, the following information should be provided to the other financial institution:
1. Receiving financial institution
Alloya Credit Union (GTEFCU’s credit union)
184 Shuman Blvd Suite 400
Naperville, IL 60563
ABA Number 272478075
2.  Indicate that further credit:
Grand Trunk (BC) Employees Federal Credit Union
1275 N Raymond Rd
Battle Creek, MI 49014
ACCT # 272476705
3.  Final Credit:
Member’s Name & Account Number

Outgoing Wire Instructions
When wiring funds out, members should obtain the following information from the receiving financial institution.
1.  Specific Wiring Instructions
2.  Address for the financial institution and the receiver.
3.  Verify the account number
Members also must supply us:
1.  The account number and suffix funds are being wired from.
2.  A daytime phone number to be reached if there is a problem.
3.  A signature from the member is required.

Quick answers to your questions.

Q. How does Automatic Bill Payment work? A. Fill out an enrollment form, available at your credit union. Once set-up, each company will withdraw your payment automatically on the due date. Allow 30 -–60 days for automatic bill payments to become effective Continue to pay as you normallly would until the company notifies you or your statement shows that you have been signed up for their plan – then stop sending payments.

Q. How will I know the amount of my bill? A. Each company will send a billing statement at least 10 days before it is due indicating the variable amount. Customers with a fixed monthly billing amount will retain the current payment and due date and may not receive a statement unless the amount or date changes. Your automatic payment will be reflected on your next sharedraft/share statement.

Q. What is the Payment Authority? A. A non-profit association funded by the financial institutions in Michigan’s lower peninsula. The Payment Authority (formerly MACHA) is working with the participating companies to promote Automatic Bill Payment. Feel free to visit their web site at www.thepaymentsauthority.org for more information.

Q. Is there a charge for the service? A. No. The Automatic Bill Payment Plan is offered by participating companies free of charge. Your credit union does not charge you for this service.

Q. Can payments be withdrawn from a share account? A. Yes, only your regular share account can be used. You cannot use your money market, Christmas or Vacation club accounts to set up Automatic bill Payments.

Q. What if I have a question about my bill? A. Call the customer service number on each company’s bill.

Q. What if I need to make a change? A. If you change your sharedraft or share account, a new enrollment form will be required. Again, allow 30-60 days for processing. If you decide to cancel your participation in the plan, simply call or write each company.

Q. How can I pay other companies this way? A. Contact any other company that you are interested in paying this way to see if they have the ability to withdraw your payment electronically. If not ask when they will.

Online Banking
Our new Data Processor is CU*Answers. With our new data processor you will have “Internet” Home Banking….Itsme247 puts your Credit Union accounts at your fingertips! All you will need to use Itsme247 is go to our website … and click onto ItsMe247.   Required minimum browser version is 3.0 for both Internet Explorer and Netscape Communicator, but for optimum performance with the new features, we recommend Netscape Communicator version 4.0 or higher or Microsoft Internet Explorer version 4.01 Service Pack 2 or higher

IT IS HERE …. www.itsme247.com/064. Your’re ready to begin!! Enter the credit union access code 064 and click ENTER. Enter your member number…only the first five digits…then enter your Personal Identification Number (PIN) and click Login. Members seem to love it already!!

CU*TALK Guides you through each Step!
Step-by-step instructions make it easy to use CU*Talk:)

  1. Using your touch-tone phone, call (616) 285-5720 or long distance at 1-800-860-5704.
  2. The computer voice will answer and ask for your credit union’s access code. You respond by entering 064 then the # key.
  3. The computer will then ask you to enter your member number. (For example, if your account number is 1234-5-000, your member number would be 12345.) Just enter your member number, then press the # key.
  4. You will be prompted to punch in your Personal Identification Number (PIN). Enter your PIN and press the # key. BE CAREFUL- if you enter the PIN incorrectly three times, your PIN will be disabled. You must contact the credit union directly for reactivation.
  5. From this point on, the CU*TALK procedure will vary depending on the transactions you wish to complete. CU*TALK will guide you through each step. HINT: This first set of options includes a brief tutorial (press “0”) with tips and hints for using the system. At any time during the tutorial, you can press (*) to return to the main menu.
  6. When you have finished your last transaction, simply hang up the phone.