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Frequently Asked Questions

Online/Mobile Banking

How can I access your credit union from my smartphone?

You can download our free app on your smartphone by downloading it from the App Store or Google Play.

Bill Pay

How is Online Bill Pay more convenient than paying my bills on my own?

Online Bill Pay is convenient because you can schedule payments to anyone – even an individual – anytime, day or night, 365 days a year.

Is Online Bill Pay secure?

Yes. It’s secure because you don’t have to worry about your payments getting lost or stolen in the mail.


How do I join Gulf Credit Union?

In addition to living or working in Jefferson, Hardin, or Orange County, or being related to a GCU member, you will need:

  • $5 to open a savings account
  • An additional $50 to open a share draft (checking) account
  • Two forms of identification (i.e. drivers license and Social Security card)

Gather these items and visit our Member Service Department at the GCU location nearest you.

If I join the credit union and move out of the area, can I still be a member?

Yes. Once you join Gulf Credit Union, you can remain a member for life, even if you move away or change jobs. With services such as mobile banking, home banking, and shared branching, as well as our vast network of ATMs, you and your family can still access GCU services and benefits from a distance.

Who can join Gulf Credit Union?

You can join Gulf Credit Union if you live or work in Jefferson, Hardin, or Orange County, or if you’re related to a GCU member.

Rates and Fees

How often is interest compounded for Cash Management Accounts?

Interest is compounded and paid monthly for Cash Management Accounts.

How often is interest compounded on savings and deposit accounts?

Interest is compounded and paid quarterly for our Christmas Club Account, Share (Savings) Accounts, and Share Draft (Checking) Accounts. You must have a minimum balance of $500 in your Share Draft Account to accrue interest.

What is the minimum balance for a Cash Management Account?



What do I do if I notice an inaccurate withdrawal or transaction on my statement?

If you have any questions or concerns about a transaction on any of your accounts, please contact one of our member service representatives immediately. You can contact them by visiting one of our locations; calling us at 409.963.1191 or 800.448.5328; or by sending an e-mail.

What do I do if my credit card is lost or stolen?

Please call the 24-hour number, 855.401.4743, to report your lost/stolen credit card.

As always, if you have any questions or concerns about your account or your debit or credit card, please call us at 409.963.1191 or 800.448.5328, send us an e-mail, or visit the Gulf Credit Union location nearest you.

What do I do if my MasterCard Debit Card is lost or stolen?

If your MasterCard Debit Card is lost or stolen, please call 888.241.2510 (if calling from within the U.S.) or 909.941.1398 (if calling from outside the U.S.).

Of course, if it is during our regular business hours, you can always visit the Gulf Credit Union location nearest you, or call us at 409.963.1191 or 800.448.5328 to cancel your lost/stolen card and receive a new one (in Groves), or order one (next day) at any of our other locations.

Cards With EMV Chip Technology

Can I still use my chip-enabled card if the merchant’s terminal is not enabled?

Yes. If a merchant is not yet chip-enabled, simply continue to swipe your card and sign for your purchase or select “debit” and enter your PIN.

Can I use my chip-enabled debit card at the ATM?

Yes. You can still use your card to get cash, check your balance, and more. Simply insert the chip end of your card with the chip facing up. Your card will remain in the ATM until your transaction is complete. If the ATM is not yet chip-enabled, simply continue to swipe your card and enter your PIN.

Does this change the process of using my card?

Yes. Instead of swiping your card or handing it to a merchant, when making a transaction at an EMV-compatible terminal, you’ll need to insert the card in the terminal and leave it there until the transaction is complete. If you remove the card too soon, the transaction will end and your purchase will not be processed. Here’s how it works:

  1. Insert the chip portion of the card into the terminal with the chip facing up.
  2. Follow the prompts on the terminal screen.
  3. The terminal will display the purchase amount.
  4. When your transaction is complete, you will be prompted to remove your card.

How does chip technology protect my information?

Every time you use your card at a chip-enabled terminal, the embedded chip generates a unique transaction code. This prevents stolen data from being fraudulently used.

What is an EMV chip-enabled card?

Your card contains an embedded microchip. This chip holds information that is encrypted, making it extremely difficult for the card to be copied or counterfeited. Rather than swiping your card, you will insert your chip card into an EMV-compatible terminal to complete a transaction. In addition to the embedded microchip, your card still has a magnetic stripe on the back. This ensures you will still be able to make purchases by swiping your card at merchants who have not yet switched to chip-enabled terminals.

Where can I use a chip-enabled card?

You can use your chip-enabled anywhere you would use your existing card. However, now there are two ways to use it: swiping it as usual, or inserting it into one of the new EMV readers.

Why have we chosen to move to this type of card?

EMV chip-enabled cards have been the standard in Europe and many other countries around the world and are becoming a new standard in the United States. The chip technology provides enhanced fraud protection, as the card is now nearly impossible to duplicate. It also offers global acceptance, making it easier on those who frequently travel internationally to continue using their regular cards for payments.

Will my PIN change?

Yes. Your new PIN is being mailed separately and should arrive in a couple of days after you receive your new card. After you have activated your new card and received your new PIN, you can change your PIN by calling 800.503.9249.

Will the process of paying with a chip-enabled card at a restaurant or bar change?

Yes. If the restaurant or bar accepts EMV chip cards, they will bring a portable reader to the table so you can complete the payment process. This helps to protect card information from being stolen, as your card no longer leaves your sight as it did before.

Remember, if a chip terminal is not available, you will still be able to make purchases by swiping your card and signing the receipt.

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