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Based on member feedback, you will find answers to your most frequently asked questions. If you cannot find what you are looking for, please contact us.
Account Information
Debit Card
ATM Machines
Loans
Passwords
Hours of Operation
Q: What is the balance in my account?
A: You can access your account balances 24 hrs a day/7 days a week via our Audio Teller at (912) 261-8600 or our Internet Teller. The balances are "live" meaning that either system contains the same information that we have on our transaction screens.
If you contact us to give you the same information that you can obtain via the Audio or Internet Tellers, you will be charged a $5 history fee.
If you are age 62 & up and a member of our Admirals Club, you will not be charged the fee. But, we encourage our Admirals to utilize the automated systems in order to avoid being placed on hold or waiting for a branch representative to assist you.
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Q: When are items cleared on my account?
A: Georgia Coastal FCU uses an automated system which creates minimal time between the moment that you actually write a check and when that item will post to your account. This system sends and receives information electronically between our branch, our depository institution and the Federal Reserve Bank.
Since the legislation of Check Clearing for the 21st Century Act in 2004 (i.e., Check 21), checks are handled electronically in order to process checks faster and more efficiently. Instead of physically transporting the checks from financial institutions to Federal Reserve Banks, checks are now transmitted electronically. This process is the safest and most secure method of processing payments.
The best way to ensure that you have funds available in your account is to keep an accurate check register of your transactions and reconcile at least monthly when you receive your account statement. If you need assistance with keeping a register or reconciling your account, you can contact us to set up an appointment with a credit union representative that can assist you.
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Q: I just made a deposit, why can I not access the funds using my debit card?
A: Our funds availabity policy states that we make funds from your cash and check deposits available to you on the first business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit.
For determining the availability of your deposit, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit after 5:00 p.m. or on a day we are not open by placing your deposit in our night depository, we will consider that the deposit was made on the next business day we are open.
In other words, if you make a deposit to our night depository when the office is closed, that deposit will be manually posted to your account the next business day that we are open by 9 a.m. Please keep in mind that any items that post automatically to your account will be credited or debited BEFORE night depository deposits or payments are made.
If you will need the funds from a deposit right away, you should ask us when the funds will be available.
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Q: Why is my debit card not working?
A: In order to protect our members from fraud resulting from debit card theft or counterfeiting, we have two methods in place to ensure that your funds are safe. The first is that we only allow up to 20 card "swipes" or uses within a 24 hour period. The second is that we limit the dollar amount of transactions that can be made within a 24 hour period to an aggregage total of $1,000. This protection system resets every day, 7 days a week, at 4 p.m.
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Q: I have not used my debit card too many times or reached the aggregage limit of $1,000 and it is being declined, what do I do?
A: If you have not exceeded either of the protection limits on your debit card, there may be holds on your account or your magnetic strip may be defective. Contact us in order to troubleshoot further. Be sure to give us as much detail as possible such as dates, times, amounts, decline codes and/or locations. The more information we have, the faster we can get your card working for you.
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Q: How much does it cost to replace my debit card?
A: Each debit card has an expiration date of three years from the date of issue. If you need a replacement card due to your card being lost or stolen within that timeframe, you are allowed one "free" replacement. After that, you will be charged $15.00 for each subsequent replacement unless your card has been found to be defective in any way.
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Q: I changed my name, do I have to pay to have my debit card reissued with my new name?
A: Try to avoid using your "free" replacement to change the name on your card. It is best to wait until close to the card's expiration date. When you are about 30 days away from the month/year of your card's expiration, let us know so that we can reorder your card with your new name.
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Q: I cannot remember my PIN number to use my debit card, can you give it to me?
A: To ensure the privacy of your account information and prevent fraudulent transactions, we do not have a record of the PIN number that was assigned to you or what you changed your PIN number to. Contact us in order to reissue a new PIN. Once you receive the new PIN, you can either use the number assigned to you or change it to something that you can remember.
It's a bad idea to carry a written record of your PIN, so how can you memorize it? One technique: Think of a four-word sentence. The number of letters in each word should correspond to the numbers of your PIN. So, for example, if your PIN is 1474, your sentence could be "I feed Siamese cats."
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Q: Where are your ATMs located?
A: Georgia Coastal FCU does not deploy an ATM machine at our branch location. Instead, we give our members access to surcharge free networks which allow our members easy access to their funds.
Visit the Resources page and find an ATM near you by clicking on the links for the CU24, Star, and Presto! networks. There are over 25 ATMs in Brunswick alone! And they are free!
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Q: When can I get a decision on my loan application?
A: Whether you submit your loan application online or in-person, the turnaround time should not be more than 24 hours from the time we receive it. If we can not obtain the information that we need to make a decision on your loan within that timeframe, we will notify you.
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Q: What types of loans do you offer? Do you have good rates?
A: We offer many different loans to suit our members' needs. Go to the Loans page to view each loan type to see which one works best for you.
Our loan rates are competitive within our market. Rates are based on the applicant's credit history, creditworthiness and other deciding factors. Go to the Rates and Fees page to learn more.
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Q: Why is my password for the Online Banking not working?
A: When you request access to the Online Banking, you are given a generic password to get you logged in. Once you are logged in, you should change the password to something that you can easily remember. Passwords must be between 4 and 10 characters long, contain one capital letter, one lowercase letter and one number. For example: Mykidis4. Contact us to reset your password.
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Q: I cannot remember my password, how do I get logged into the Online Banking or use the Audio Teller?
A: Contact us to reset your password.
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Q: When are you open for business?
A: Please refer to the About Us page for all branch hours of operation and federal holidays.
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