Convenience Services

We've Designed a Package of Great Services With Our Members in Mind!

CAT 24 Telephone Teller

CAT is financial convenience at your fingertips, 24 hours a day, seven days a week! Our computer will guide you through your transactions in the privacy of your own home or office, wherever you can access a touchtone telephone.

CAT allows you to make many transactions that were previously possible only in person, such as:

• Transfers between your accounts as specified by the credit union;
• Verifying clear checks; and
• Account balances and more.

All you need is:

• A touchtone telephone;
• Your member number;
• Your Personal Identification Number (PIN) (choose your own);
• CAT Transaction Code List; and
• CAT Phone Numbers:
  409.963.1432
  800.448.5328
  

CAT makes it easy for you to access your accounts. When asked, simply,

• Press 2 for CAT;
• Press 1 for Account Information;
• Enter your Member Number followed by the "#" sign; and
• For first-time users, you will be asked to enter the last 4 digits of your social security number. CAT will verify this information, then guide you to enter a new 4- digit PIN number that only you should know. Do not use the last four digits of your Social Security Number or some other easily obtained number.

CAT 24 Loan by Phone

Now you can apply for a loan by phone by simply:

• Calling CAT at either 409.963.1432 or 800.448.5328;
• Press 2 for CAT; and
• Press 2 for Loan by Phone:

You will be asked a sequence of questions. All questions must be answered by a keypad option. Also, you will need your Social Security Number, and monthly income. If applying jointly, you will need the Social Security Number and monthly income for the cosigner. Afterwards, a loan representative will call you back with your loan status.

ATM Cards

Why not reward yourself now? Apply today for your Gulf Credit Union's QwikCash Automated Teller Machine (ATM) Card.

Your QwikCash card gives you the convenience of making withdrawals at over 41,000 ATMs in 37 states, 24 hours a day, 7 days a week. PULSE and eight other networks provide you with instant access to the one commodity you can always use-cash.

With QwikCash there is no monthly service charge and you receive a detail of transactions on your monthly statement. A small fee to cover the cost of each network transaction will be charged to your account.

Avoid any transaction charges by using one of our convenient ATMs. Otherwise, if you use your card at any non-GCU ATM machine, you will be charged a $1.50 transaction fee.

Call now at 409.963.1191 to start your application process today.

ATM Locations

Click here for the locations of all of our available ATMs.

Automatic Transfers

Do you want to maximize your account management? Automatic Transfers is your answer. Funds may be transferred automatically from checking or savings accounts each month through our exclusive CAT service. Click here for fee charges.

Home Banking expands your options for account management. Click here to check out our Home Banking services.

Cashier's Checks

For your convenience, we offer cashier's checks. This is a safe and convenient alternative to withdrawing large amounts of cash. GCU offers checks signed by an authorized signer to guarantee funds.

For our members 55 years and older, there is no charge for cashier's checks.

Night Depository

We have convenient night depository drops at both of our locations. Both drops are located in the drive-thru section in the first lane. Call us at 409.963.1191 with any specific questions.

Direct Deposit

Everyone loves great benefits. For the greatest benefit in personal finance, sign up for free Direct Deposit or Payroll Deduction. You'll not only avoid the long lines, you'll also eliminate concerns about lost, stolen, or damaged checks.

Your money arrives in your account(s) automatically on the day the funds are disbursed. So you start earning dividends immediately. To sign up for Direct Deposit today, call our Members Service Center at 409.963.1191 or visit us at any one of our convenient office locations. You'll wish you had made the decision sooner.

Automatic Payment Transfer and Deposits

Forget about those time-consuming payments! With Electronic Payments and Deposits, you'll rest easy knowing your funds will be available right on schedule and designated payments will be made on time!

All GCU members are eligible.

Money Orders

Another great, convenient service we are proud to offer our members are money orders. Money orders are guaranteed funds that can be used as an alternative for paying bills and making payments. Since they have no expiration date, they are convenient and flexible.

Another great advantage is for our members that 55 years and older there is no charge for money orders.

Notary Public

Need a document notarized? No problem. An authorized notary officer is available at all office locations to sign and seal official documents. You will have peace of mind knowing that forms are completed in a legal and accurate manner. There is no service charge for GCU members.

Also available, we have employees who can guarantee signatures for member documents.

Overdraft Protection

We all would like to save ourselves from the inconvenience of checks bouncing! Sign up for one of our Overdraft Protection options and avoid having checks returned. You can have funds transferred from your Savings, Checking, Cash Management, Pre-approved Line of Credit, or other qualified accounts.

To find out how you can apply for any or all of these terrific timesaving services, E-mail us, or call our Members Service Center at 409.963.1191. If you prefer, you may visit us at one of our GCU office locations.

Stop Payment

Your security and peace of mind is very important to us! GCU can perform a stop payment of a check, or electronic withdrawal, drawn on your checking account at your authorized request. Stop payments are executed on the spot, so there's no waiting period for the hold to take place.

Stop payment requests may be taken over the phone, if you have qualified yourself properly with our New Accounts Dept., or in person at any office location. For security purposes, member verification is required and a fee will be debited from your checking account to make a stop payment. Call our offices at 409.963.1191, for further information.

Traveler's Cheques

GCU is proud to offer our members American Express Traveler's Cheques. Travelers cheques are the safe alternative to carrying cash. Even better, Traveler's Cheques are insured and are accepted and recognized worldwide. GCU offers both single and dual signature Traveler's Cheques for your convenience.

For members 55 years and older, there is no charge for single signature Travelers Cheques. For dual signatures, there is a charge of .50 per $100.

VISA Check Card

Replace your checkbook with the card that works like a check!

Wouldn't you enjoy using the VISA Check Card to make purchases directly from your checking account, without writing checks? Now you can, because Gulf Credit Union offers you the VISA Check Card, it works like a check, only better! It's faster and it's accepted at more than 11 million locations worldwide, wherever you see the VISA symbol.

You can access your checking account without writing checks because the card offers a whole new world of convenience.

Cash Withdrawals are Easy!

In addition to using your VISA Check Card to make purchases, you can obtain cash from ATM machines and financial institutions around town or around the world. When using the card at an ATM, always choose the "Credit" option (instead of "Debit"), because transactions are routed through the credit card network.

Shopping is Easy!

When using the card at a place of business: retail, restaurant, pay at the pump stations, and so forth, the merchant handles the sale like any other MasterCard or VISA transaction. Simply sign the sales slip, no additional identification is needed, no check approval to wait on. The amount is deducted from your checking account in approximately two days and you have a complete account statement.

Sign up today. Call 409.963.1191, ext. 148, for details.

Wire Transfers

Need to send money in a hurry? Have it wired! GCU can do wire transfers from your credit union account to an account at another financial institution. Funds can be wired safely and easily the same day. Wire transfers may be requested in person or by mail. Incoming wire transfers are free of charge. A fee is charged for domestic and international outgoing wire transfers.