Q: What is a credit union?

A: Credit unions are not-for-profit organizations that exist solely to serve their owner members, rather than to maximize corporate profits. That’s one of the reasons why credit unions like GHS typically provide highly competitive earnings on savings and lower rates on loans.

Q: Who can join GHS?

A: If you live, work, worship or attend school in Broome, Chenango or Tioga counties of New York, you may apply for membership. You may also apply if a member of your immediate family is an account holder at GHS.

Q: What happens if I leave or move away? Is my membership discontinued?

A: No. Once you become a member of GHS, you enjoy lifetime benefits, no matter where you live or work.

Q: Where is GHS located?

A: Our main office is located at 910 Front Street in Binghamton, New York, and we also have two convenient branch offices. You can view our locations and hours here. In addition, information about our services is available 24/7 at GHS also provides 24/7 access to your money via a network of over 75,000 free ATMs, free Online Banking and more.

Q: What products does GHS offer?

A: GHS provides a wide range of products, services and conveniences to help you achieve your financial goals, including free personal and business checking accounts, savings accounts, mortgage and home equity loans, auto and personal loans, debit and credit cards, and insurance plans. Our knowledgeable and friendly staff is available to assist you in any way we can. You can check our current rates here.

Q: What is your Routing and Transit Number?

A: 221373707

GHS Accounts

Q: How do I transfer money between my GHS account and an account at another financial institution?

A: You may use our Account 2 Account product within Online Banking.

Q: Can I send or receive wire transfers with GHS?

A:  For wire transfers that you need to send to or be received at GHS Federal Credit Union in New York, please include the following information:

Wire to:
Alloya Corporate Federal Credit Union
184 Shuman Blvd Suite 400
Naperville, IL   60563
ABA# 271987635

For credit to:
Acct # 221373707
GHS Federal Credit Union
910 Front St
Binghamton, NY 13905

For final credit to:
Receiving member’s name
Receiving member’s account number
Receiving member’s account type

For direct deposit and all other purposes, please use GHS Federal Credit Union’s routing number:  221373707

Q: Are my GHS accounts insured?

A: Yes. Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government National Credit Union Administration, a U.S. Government Agency.

GHS Loans

Q: Do I have to go to a GHS branch to apply for a loan?

A: Whatever works for you, works for us. You can apply right here online! Easily apply for an auto, a personal loan,  credit card or home equity loan. 

Q: How long does it take to have a loan request approved or denied?

A: Depending on the type of loan requested, some loans can take minutes to process while others may take up to one business day.

GHS Services

Q: What should I do if I lose or misplace my GHS ATM Card?

A: Contact the credit union at (800) 732-4447.

Q: What should I do if I lose or misplace my GHS Visa® Credit or Debit Card?

A: To report a lost or stolen debit or credit card, please call 1 (800) 528-2273.

Q: Does GHS accept direct deposit and payroll deductions?

A: Yes. Sign up here for these free conveniences. (insert link) Plus, with our Relationship Discount (insert link), you can reduce the monthly payments on a new GHS loan when you sign up for direct deposit, automatic loan payment deductions, and/or eStatements.

Q: What conveniences are available to me on the GHS Website?

A: Our website is designed to provide our members with a highly responsive and informative experience. Use it to:

GHS Online Banking

Q: If I’m unable to access my Online Banking account, what should I do?

A: Call (800) 732-4447 for assistance.

Q: How do I change my contact information such as mailing address, phone number or email address?

A: You may update your email address via Online Banking. To update your mailing address, please fill out a change of address form and submit it to GHS. To update your phone number, please contact the credit union at (800) 732-4447.

Q: How can I transfer money to another GHS member?

A: Using Online Banking, you may initiate a member to member transfer. You may also use our Person 2 Person product within Online Banking to initiate or request a transfer.


Q: How can I protect myself from fraud?

A: The safety of your personal and financial information is our utmost concern. That’s why our website always contains the latest information about scams and other threats, plus tips on how to protect yourself from fraud. Take a look.