Member ConvenienceS

Convenient Banking with GHS

Take GHS wherever you go and access your accounts, pay bills, transfer funds, and more, all from your phone, tablet, or computer. While we love to see our members, we know it isn’t always easy to get to a branch. With our free worldwide ATM network and mobile banking, GHS makes it easy for you to bank on your terms.

Become a member and bank anywhere!

Download the app for free in the Apple App Store or Google Play Store, or access your online banking account through our website. Learn how to use your online and mobile banking by visiting our YouTube channel.

Check your accounts anytime, anywhere:

• Apply for loans

• Deposit checks

• Transfer funds

• Pay bills

• Locate the nearest free ATM or GHS branch

ENROLL TODAY

e-Deposits

• Deposit checks into your account anywhere, anytime with eDeposits using a smartphone camera.

• Sign in to Mobile Banking on a smartphone

• Give your app access to your camera in your smartphone settings

• Sign the back of your check and write “For Mobile Deposit only to GHS FCU”

• Using eDeposit in the Mobile App, take a picture of the front and back of the check with your smartphone - then submit it! (*up to $2,000.00 allowed per day using the app)

Bill Pay

Set up a payment outside of GHS, or set up to receive payments from your other accounts with other institutions

• Log in to online banking or call/visit a GHS staff member to input the information on the bill you intend to pay.

• The first payment to that institution will be a mailed check, and future payments made by you to the same party may be digital.

• You can check the status of your check (physical or electronic) in the online or mobile banking app. *Status will appear “cleared” once the payment has been received and cashed by the payee.

Picture Pay

Pay your bills faster with GHS Picture Pay. Set up Bill Pay by taking a photo of your bill, and your GHS Mobile Banking App will automatically input the payee information! All you have to do is:

• Take a photo using your smartphone in the online or mobile banking app

• Add payment information, like when you want to pay the bill and from what GHS account

• Review, confirm, and submit

Voice Banking

Call anytime, 24/7, to check your account balance, make payments on GHS loans, and more in a safe and secure way through Voice Banking. Come to a branch or call to set this convenience up.

Free ATM Network

Access your accounts, withdraw cash or make deposits with our free, worldwide ATM network. Not only does GHS provide in-branch and drive-up ATMs at our locations, but our members have access to surcharge-free ATMs worldwide with Allpoint® and CO-OP ATM® networks. Look for their logos when in need of an ATM, or find your nearest ATM using our ATM Finder.

FAQ

How do I apply for a loan with Online/Mobile Banking?

Whether you own a business or a non-profit, we can provide you with business banking products and services if you live, work, worship, attend school, or volunteer in Chenango, Tioga, or Broome County.  

We're here to help you optimize your daily operations – without the burden of expensive fees.

Do I need to pay a fee to use GHS business services?

There's no fee to access our business services. You simply need to make a $1.00 opening deposit into your chosen account. This is the first step to becoming a member of the credit union. 

After you've opened your initial account, you may need to pay a one-time or monthly fee, depending on which business products you choose to use. Some products, like our FREE Business Checking Account, do not have any application or recurring fees.

Should I choose a business term loan or business line of credit?

Our business lending options are best used for these purposes:

- Choose an installment loan if you need cash upfront to expand or improve your business, to purchase equipment, or if you need funds for working permanent capital. 

- Choose a line of credit for short-term funding such as pending accounts receivable, payroll, or to purchase inventory and supplies.

Which payment processing methods can GHS accommodate?

Thanks to our partnership with Paysafe, we have solutions to cover:

- Transactions when the card is present
- eCommerce solutions to accept online shopping payments 
- Mobile payment methods like Digital Wallet
- Virtual terminals
- Mobile, wireless, or PC-integrated terminals 
- Omni-Channel solutions for a seamless experience
- Credit card processing for Visa®, Mastercard®, Discover® Network, American Express®, Diners Club® and JCB®
- PIN and signature-based debit cards
- Gift cards to bring in new customers