Joining GHFCU
What does it cost to join?
There is no fee to join. Simply opening a savings account with a minimum deposit of $5 gives you access to all the benefits of membership.
What forms of identification are acceptable?
For membership, the following is a list of acceptable identification. The ID provided must show your name, residence, and date of birth. One form of identification MUST be a government-issued photo ID like a(n):
Unexpired State Driver’s License or State Identification Card (If your address is different from the one on your driver’s license, please bring a recent utility bill with the correct address.)
Unexpired Commercial Driver’s License
Military ID card
Federal Government Employee ID Card
Permanent Resident Card
Passport
Alien Registration Card, Nonresident Alien Border Crossing Card, Nonimmigrant Visa and Border Crossing Card, or Employment Authorization Card
Matricula Consular Card
The second form of identification can be from the group above or one of the following:
Certified Birth Certificate
Any other form of government-issued ID
Employer-issued photo ID and recent pay stub
Employer Health Benefits Card
Student ID card (school will be contacted)
Social Security Card
Certified Birth Certificate
Online Banking
How do I enroll in Home Banking?
Visit www.greenvilleheritage.com. Click on “Enroll Now” under the Home Banking Login Box. This will bring up the Terms and Conditions page. (Disable Pop-up Blocker if it does not appear.)
At the top of the page, enter your Member Number and your Instant Teller PIN.
Read the Terms and Conditions. Click on the “I Agree” button at the bottom of the page, indicating you have read and agree with the Terms and Conditions listed.
You will see “Welcome to online banking!” Provide the requested information to complete enrollment.
Reset Password/Security Code
How do I reset my Security Code for Home Banking?
If you have forgotten your Security Code (Password) for Home Banking, you can click Forgot Security Code under the Home Banking Log On Button.
If you are unable to successfully reset your security code, please call (864) 467-4160 during normal business hours, and a Call Center Representative will be happy to reset your security code, so you can assign a new one.
Online Bill Pay
What is the CheckFree Next solution?
A. CheckFree Next is the next-generation Bill Pay platform that delivers a simple, intuitive and engaging Bill Pay experience within the digital banking channel. • CheckFree Next enables users to view bills and take appropriate actions from one solution, even from their mobile devices. • CheckFree Next transparently provides streamlined, real-time information and enables users to pay bills directly through their financial institution safely and securely.
Will users be able to view and manage their profiles and bank account information in CheckFree Next?
A. Previously, some users were able to manage profile and account information in CheckFree RXP directly. With CheckFree Next, users will need to reach out to their financial institutions to make changes to their profiles or bank accounts.
Will users have the ability to activate several eBills at a time through the “eBill Multiple Activation” and “Quick eBill Activation” features?
A. CheckFree Next users can activate eBills one at a time only through a simple, streamlined activation process
Will users be able to select or assign a Category to a Biller?
A. In CheckFree Next, new custom categories cannot be created, and billers cannot be assigned to a custom category. Billers are assigned automatically to predefined categories when they are added by users
Will the Biller categories assigned in CheckFree RXP migrate with the Biller?
A. Billers previously assigned to a category, including those assigned to custom categories created by the users, will be migrated to CheckFree Next. However, users will not be able to create any more new categories.
Will all payment methods be supported by CheckFree Next?
A. CheckFree Next will support Electronic Payments, Corporate and Draft Checks.
Will users have the option to download Bill Pay History in CheckFree Next?
A. Yes, users will have that option on the “Activity tab” in CheckFree Next.
Is the “Add a Note” field the same as “Add a Memo?”
A. No. The “Add a Memo” field is for capturing text to be included in the memo section of a physical check to be delivered to the biller. The “Add a Note” feature enables the user to capture text for their own reference.
Will users’ existing Bill Pay history migrate to CheckFree Next?
A. Yes, all existing Bill Pay activities, including payees, autopay plans, and eBills, will be available in CheckFree Next
Is CheckFree Next also for Business Bill Pay?
A. No. CheckFree Next is for Consumer Bill Pay only.
Can a user cancel payments, including electronic payments?
A. Yes, payments can be canceled and modified until they are processed.
Will disclosures be available for users using the mobile version, or will they need to continue to visit the Bill Pay site?
A. With CheckFree Next, users can view and accept legal disclosures on any channel or device.
How can users see new features for CheckFree Next when they go live?
A. A “What’s New” page will provide users with a summary of all changes.
Can users set up new eBills? Will users need to move their existing eBills?
A. Users will have the ability to set up, view, and pay eBills in CheckFree Next. If they already have an active eBill service, they will be migrated to CheckFree Next and continue to receive those eBills.
Instant Teller
How do I log in to Instant Teller?
Call (800) 399-4797.
Enter your full member number followed by #.
Enter your Instant Teller PIN. If using for the first time, enter the last four digits of your Social Security Number. You will be prompted to change your four-digit PIN after your initial logon. Be sure to keep this number secure once you add your account information.
What transactions can I complete using Instant Teller?
Quick Check. Check balances as well as most recent transactions and transfers on primary savings and checking accounts
Account Inquiries. Check account balances on other accounts, additional details, account history, tax and IRA information
Financial Transactions. Transfer funds, make loan payments and cross-account transactions
Member Services. Change Instant Teller PIN
Once you are logged in, just enter the transaction type from the main menu and follow the automated prompts.
Estatements
How do I enroll in eStatements?
Log in to Home Banking
Click on the e-Statements link
Under the Member ID drop-down, select the member number to enroll in e-Statements and click Continue
A new window will open. Click Enroll
Select the radio button under e-Statements and then click Submit
You are now enrolled in e-Statements
Enrollment will show up in Portico the following calendar day, as it takes a back-office cycle to process.
How do I unenroll from eStatements?
Log in to Home Banking
Click on the e-Statements links
Click on My Settings. In the drop-down, click on Edit My Settings.
This screen will have the eStatement radio button selected already. Select the radio button under Paper Statement and then click Submit.
You will receive a message showing “Elections updated successfully.”
Enrollment will show up in Portico the following calendar day, as it takes a back-office cycle to process.
Mobile Remote Deposit Capture
What is Mobile Remote Deposit Capture?
Mobile Remote Deposit Capture (MDC) is a way for you to deposit checks wherever you are. You can deposit a check into your Greenville Heritage Federal Credit Union (GHFCU) savings or checking account using your mobile device.
What are the Fees for Mobile Remote Deposit Capture?
Nothing! That’s right; we are not charging a fee for this great service. If a check cannot be processed or someone gives you a bad check, there may be a fee. We explain how that works in our Fee Schedule.
When can I access or use the money that I have deposited?
If you deposit the check before 1:00 p.m. Monday through Friday, your check may be available by 5:00 p.m. that same day. If you deposit the check after 1:00 p.m. Monday through Friday, your check may be available by 5:00 p.m. the next business day. A hold on funds up to 3 business days may apply.
Do I need to sign anything before I can start using Mobile Remote Deposit Capture?
You do not have to physically sign anything. You do, however, need to be enrolled in online banking prior to downloading the app. Simply go to www.greenvilleheritage.com and click Enroll Now in the top right corner. Once your enrollment transmits, which is typically within 24 hours, use your device to download the GHFCU 2 Go! Mobile App.
What type of checks can I deposit into my account, using Mobile Remote Deposit Capture?
The checks need to be payable to you. The name on the check must match the name on the GHFCU Account. We accept check deposits from financial institutions based in the United States. Before you take a picture of your check to start the deposit process, endorse the back of the check with your signature and the words “For Mobile Deposit Only – Greenville Heritage Federal Credit Union”.
What is the maximum amount I can deposit using Mobile Remote Deposit Capture?
You may deposit up to $3,000 per day, and no check can be for more than $1,500. If your check is for more than $1,500, mail the check to GHFCU or visit one of our branch locations.
Can I make multiple deposits into my account in one day?
Yes, you can make multiple deposits in one day; however, the maximum total for the day is $3,000.
Will holds be placed on checks when I use Mobile Remote Deposit Capture?
Funds will be made available within 3 business days of deposit. Feel free to call us or refer to your membership agreement for more details regarding GHFCU’s hold process.
What should I do with a check once it has been deposited using my smartphone?
You should keep the actual check for 60 days once you have deposited the check via the mobile remote deposit service. After 60 days, you may securely discard the documents.
Debit Card
What is a Visa® Debit Card?
Your Greenville Heritage Federal Credit Union Visa® Debit Card is a check card and ATM card rolled into one. It can be used for both ATM transactions and debit purchases at participating merchants who accept Visa®.
Is the Visa® Debit Card a credit card?
No. While your Visa® Debit Card works like a credit card, the money is drafted from your checking account. There is no credit involved in the transaction.
How do I use my Visa® Debit Card?
Simply present your Visa® Debit Card to any merchant that accepts Visa®. Most merchants will ask if you would like a debit (PIN-based) transaction or a credit (signature-based) transaction. If you choose debit, you will be asked to enter your PIN into a keypad. If you choose credit, you will be asked to sign your receipt. Signature-based transactions may be protected against fraudulent activity through Visa®’s Zero Liability Policy. (See section on “What happens if I lose my card?”)
Can I add my Visa® Debit Card to my Mobile Wallet?
Yes. Your Visa® Debit Card can be added to your Mobile Wallet and used with Apple Pay or Google Pay. Click on the Mobile Wallet app icon and follow the prompts to load your GHFCU Debit Card and take advantage of Contactless Payments.
How do I activate my card and choose my PIN?
We recommend that you call (800) 992-3808 to activate your new Greenville Heritage FCU Visa® Debit Card as soon as you receive it. When you call to activate your Debit Card, you will be prompted to choose a PIN for security purposes. If you need to change your PIN, call (800) 992-3808. If your card is not activated within 90 Days, you will need to call (864) 467-4160, and a Greenville Heritage employee will activate it for you after verifying your identity.
Instant Issue Debit Cards are already activated. You will need to call (800) 992-3808 to select your custom PIN. If you need to change your PIN in the future, simply call (800) 992-3808 to change it free of charge. Or, you can visit our Main/Downtown or Simpsonville branch to have it changed for a nominal fee.
Are there any fees associated with my Visa® Debit Card?
There is never a fee for ATM transactions at Greenville Heritage FCU and CO-OP ATMs! Greenville Heritage will not charge you for ATM transactions at ATMs not owned by GHFCU. A surcharge fee may be imposed by the other financial institution, but you will be prompted to accept the charge in order to continue your ATM transaction.
Is there a daily purchase or transaction limit?
Yes. ATM transactions with a GHFCU debit card are limited to $300 per day. Credit (signature-based) and debit (PIN-based) transactions are limited to a total of $2,000 per day or the available balance in your checking account, whichever is less.
How do I find out which transactions have hit my account?
You may access your account 24-hours a day via Home Banking; our mobile app, GHFCU 2 Go!; or our Instant Teller service by calling (800) 399-4797.
Log into Home Banking and view individual transactions including locations, amounts, dates, and more. GHFCU 2 Go! gives you convenient access to view recent transactions on your mobile phone and is available for Apple and Android devices. You may access Instant Teller by calling (800) 399-4797; select Account Inquiry, then Account History. The Instant Teller service will not identify the merchant/ATM, but will provide the transaction charges. Your monthly statement will also provide a detailed description of each transaction. Be sure to list your Debit Card transactions in your check register just like any other withdrawal. And save your receipts to verify the transaction’s accuracy when it posts to your checking account.
What happens if I lose my Visa® Debit Card?
If you misplace your Visa® Debit Card, you can turn it off until you find it using our free mobile app, GHFCU 2 Go! Once you determine that it can’t be found or if it has been stolen, contact us immediately. Call (864) 467-4160 during business hours or (800) 472-3272 after business hours. If your Visa® Debit Card is lost or stolen and there are unauthorized charges on your account, you may be covered under Visa®’s Zero Liability Policy for non-PIN-based transactions. For example, if your card is lost or stolen or you have unauthorized mail order, phone order, or Internet usage, you may not be responsible for any signature-based transactions. For PIN-based transactions, you may be liable for the unauthorized charges. The Credit Union recommends that you always take precautions to safeguard your Visa® Debit Card.
Do I have to wait two weeks to get a replacement Visa® Debit Card?
If you have to block your Visa® Debit Card for any reason, you can get a replacement card the same day at our Main and Simpsonville branches. With our Instant Issue card service, you can choose from a catalog of free images or create a custom card using your favorite picture. A fee may apply for a custom card.
Does my Visa® Debit Card work outside the United States?
Your Debit Card will not work outside the United States without prior approval. Due to increased fraud on international transactions, including online retailers, we have blocked international debit card purchases (whether you are home or abroad). Please call (864) 467-4160 to notify us of travel dates and locations in advance of international travel for review and approval. (Certain exclusions apply.) If approved, you may use your Debit Card anywhere the Visa®, STAR, CO-OP, or CIRRUS symbols are displayed.
What if I have other questions?
If you have any additional questions regarding your Greenville Heritage Federal Credit Union Visa® Debit Card, please call (864) 467-4160 during business hours or visit any of our convenient branch offices.
Credit Card
What do I do if my credit card is lost or stolen?
Notify us immediately when you realize that your GHFCU Visa® Credit Card has been lost or stolen by calling (800) 991-496.
Do I need to reply to texts or phone calls regarding fraudulent purchases on my account?
To protect your account from additional fraudulent purchases and prevent your card from being blocked, please respond to texts or phone calls you receive immediately.
Fraud Notification Calls and Texts will come from (855) 961-1602.
What if I discover fraudulent charges to my credit card?
If you discover fraudulent charges to your credit card, please call (800) 600-5249 immediately.
How do I pay my GHFCU Visa® Credit Card?
You can pay your Visa® from the eZCard Info website.
Transfer the payment amount from Savings or Checking to your Visa® account within Home Banking or GHFCU 2 Go!
Mail a check using the payment coupon and envelope in your paper statement.
Make a payment at the teller line or by calling the Call Center at (864) 467-4160.
Can I receive my monthly credit card statement electronically?
Yes, once you have created an account with eZCard Info, you can opt for electronic statements.
