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  • Online Banking FAQs

Frequently Asked Questions

System Enhancement Overview

Why is Georgia United enhancing its Online Banking platform?

We are committed to providing you with the best service experience—whether you are visiting one of our branches or banking remotely. With the new platform, you have access to more features and enhanced functionality so that you can bank anytime and anywhere—it is truly an Access Anytime experience!   

What can I expect after the enhancement?

Online Banking will continue to provide you with the ability to manage your finances on the go. With the new Online Banking platform, you can enjoy:

  • New and Enhanced Features. With a new look and feel, additional transfer options, Text Banking and more, we’re making banking with Georgia United simpler and even more convenient.
  • Enhanced Security. You will need to request a Secure Access Code anytime you log in from a new device or browser.
  • All of Your Accounts in One Place. When you log in, you will see all of your Georgia United savings, checking and loan accounts—including those that you are joint on. You can even link your accounts from other financial institutions and view your complete financial picture in one centralized location.

New & Enhanced Features

All Your Accounts in One Place

Joint account holders will now be able to see any accounts that they are legally joint on through their own unique login. No need to log in using the primary members account credentials.

Link your external accounts to view your complete financial picture in one location. 

External Transfers

Easily transfer funds between your Georgia United and external bank accounts.

Person-to-Person (P2P) Payments

Send money to anyone using just their email address or mobile phone number. 

Secure Access Code

This new feature will add another layer of security to your account by ensuring that your account cannot be accessed by an unregistered computer – even if your username and password are compromised.

Text Banking

With Text Banking, you can quickly check your balance, view account history, make transfers and more while on the go with simple text commands.

Logging In 

How do I log in to the new Online Banking platform?

Visit gucu.org or - if using a mobile device - download the update to your existing Georgia United Mobile App. For your first time log in:

  • Enter your current Online Banking username and password. 
  • Select how you would like us to deliver your Secure Access Code.
  • Once you receive your Secure Access Code, enter it into the space provided on the login screen. 
  • You will then be prompted to set a new password.
  • As part of the first time login process, you will be presented with a few additional disclosures and account management items to confirm your new account setup. Follow the prompts and update your information as needed.
  • You’re in! Enjoy and explore.

Will my login credentials change?

Your existing username and password will be accepted for your initial login. You will then be prompted to create a new password.

Will I need to setup security questions?

A Secure Access Code will eliminate the need for security questions. This new feature will add another layer of security to your account by ensuring that your account cannot be accessed by an unregistered computer—even if your username and password are compromised.

What is a Secure Access Code?

A Secure Access Code (SAC) is a randomly generated, temporary code that is provided to you during the login process. The SAC will be sent to you through the delivery channel that you select (e.g., text message, email or phone call) and will be required to validate your login. If you are unable to receive your SAC, contact our Member Care Center at 770.476.6400 or 888.493.4328 for assistance.

How do I receive a Secure Access Code if my contact information is blank?

Please contact our Member Care Center at 770.476.6400 or 888.493.4328 for assistance. 

Will I need a Secure Access Code every time I log in?

No. A Secure Access Code will only be required for unregistered devices or browsers. If you frequently use a personal device to access Online or Mobile Banking, you can register the device, which will allow Georgia United to remember the device and browser you’re using. Once you have registered a device, you will not be prompted for a Secure Access Code with future logins on that device.

For your security, we recommend that you do not register a device if it is on an unsecure or shared network, or one which you do not regularly use. Unregistered devices will require a Secure Access Code to log in. 

How do I register my device or computer?

During the login process, you will be asked whether you would like to remember your device. By remembering (i.e., registering) your device, you are telling Georgia United to recognize the device and browser you’re using for future logins. 

If I log in from a new browser on the same computer, will I need a Secure Access Code?

Yes. If you are using an unregistered browser, you will need a Secure Access Code to log in. For example, if you first logged in on Chrome and registered your device but then tried to log in from the same computer using Internet Explorer, you would need a Secure Access Code to log in. 

I entered my username and password to log in, but it’s not taking me anywhere. I’m only seeing a blank page. What happened?

If you log in to Online Banking and get a blank page, you may be using an unsupported browser. Compatible browsers include Microsoft Edge, Microsoft Internet Explorer 11 or higher, Mozilla Firefox 33 or higher, Google Chrome 37 or higher and Safari 6 or higher.

I haven’t received my Secure Access Code, what should I do now?

If you do not receive your Secure Access Code within 10 minutes, you may click to request again. Please also confirm that the phone number or email address you have on file with Georgia United is accurate. The Secure Access Code automatically expires after a set period of time, or when you request another code, whichever is shorter.

I’ve received multiple Secure Access Codes, how do I proceed?

Any new request for a Secure Access Code will cancel out an earlier request, so please use the most recently received code. Please note, your Secure Access Code will expire after a set period of time.

Should I save my Secure Access Code?

No, your Secure Access Code is only good for a single use. Whenever you log in from an unrecognized computer or mobile device, we will send you a new Secure Access Code.

I have registered my device, but I'm being prompted for another secure access code.  Why?

There are several reasons this may happen.  Most commonly, this occurs when your browser settings are set up to delete cookies, or your browser cookie for Online Banking has been deleted since your last login. It can also happen if you are logging in with a different browser (ex., Chrome, Internet Explorer, etc.) on the same registered device. You may have a program on your device that automatically deletes the cookie. If so, that feature will need to be turned off or configured to accept and retain cookies from Georgia United.

How do I remove the registration from a device?

You can remove the registration of a device or browser by deleting your cookies, or just the cookie related to Georgia United’s Online Banking.

Should I share my login credentials with my joint account holders?

Every member you share accounts with should set up their own login credentials for Online Banking. When a member that is joint on your account logs in, they will see all the accounts that you share.  We strongly suggest you keep your password private and use individual login credentials for joint account holders.

What if I can’t remember my password?

After entering an incorrect password, you will receive a message that “authentication has failed”. To avoid locking your account, we suggest that you click ‘Forgot Password’ to reset your password. You’ll need to enter your username to receive a new Secure Access Code. Once you submit your Secure Access Code, you will be able to reset your password.

What if I am locked out? 

After several invalid attempts to log in, you will be locked out of your account and will have to wait an hour before being able to reset your own password. Please note, you can unlock your account by contacting our Member Care Center at 770.476.6400 or 888.493.4328 during business hours.

General Questions

How do I update my contact information?

Go to the Settings tab in Online Banking and select Update Personal Information. You can update your address, email or phone number under the Physical Address block. 

Please note, to change your Secure Access Code (SAC) delivery channel go to the Settings tab and select Security Preferences. Select Secure Delivery to view and edit your SAC delivery preferences. 

How do I know if my browser is compatible?

Compatible browsers include Microsoft Edge, Microsoft Internet Explorer 11 or higher, Mozilla Firefox 33 or higher, Google Chrome 37 or higher and Safari 6 or higher.

 

To find out which browser version you are currently using, go to the menu bar in your browser and click ‘Help’ and then ‘About’. If you find that you’re not running the most current version, you can update your browser using the links below:

 

Google Chrome     Microsoft Internet Explorer     Mozilla Firefox     Safari

What will happen to my account alerts?

With the new Online Banking platform, you will see new alert capabilities. When you log in for the first time, we suggest reviewing your alert setup as well as the enhanced options available. 

What will happen to my scheduled transfers?

Transfers that were set up in the previous Online Banking platform will continue as scheduled; however, these transfers will not be available to edit in the new platform. 

If you need to make a change to a previously scheduled transfer, please contact our Member Care Center at 770.476.6400 or 888.493.4328. Any transfers that are set up in the new Online Banking platform can be managed through Online Banking directly.   

What will happen to my E-Statements?

If you are currently enrolled in E-Statements, you will continue to have access to historical statements.

Please note that when you select E-Statements for the first time, you will be presented with a new PDF Verification tool. A PDF will open with a short code in a new window. Enter this code to verify that you are able to open a PDF.   

Will my transaction history be available?

Yes, you will continue to have access to your transaction history.

Will I be able to reorder checks?

Yes, you will be able to reorder checks through Online Banking. If this is the first time you are ordering checks for your account, please visit a branch or contact our Member Care Center at 770.476.6400 or 888.493.4328 during business hours.

What if I don't see all of my accounts?

You should be able to view all of your primary accounts as well as any accounts that you are a legal joint owner on. If you are a trustee, guardian, responsible individual, or representative payee but not a legal joint owner on the account, those accounts will not show and you will need to log in to this account separately to view.

How do I hide accounts?

To hide an account, go to the Settings tab and select Account Preferences. Select the account you want to hide and under details select Visible to change your settings.

How do I rename accounts?

To rename an account, go to the Settings tab and select Account Preferences. Select the account you want to rename and under details select the pencil. Enter the name you want to display and select the check mark to save.

When I link accounts, can I transfer money to and from that account also?

No. Linking an account allows you to view your complete financial picture in one place; however, you will not have the ability to make transfers to linked accounts. Additional steps are required to transfer between external accounts. See External Account Transfers.

Can I transfer money between my external accounts?

To transfer to and from an external account, you will need to add and verify the account. This can be completed by going to the Services tab and selecting Add an External Account.  

Bill Pay

Will my scheduled payments automatically convert to the new system?

All scheduled one-time, recurring and future-dated payments will automatically convert over to the new Bill Pay system and continue to function as scheduled. Existing payee information will convert for payees used within the last 24 months. When you log in for the first time, please review your Bill Pay account to confirm all payments and payees converted accurately. 

What if I’m currently enrolled in eBills?

If you are using eBills (i.e., electronic bills delivered directly to your account), your existing eBills will not be migrated to the new system and will be turned off on October 17. Most payees will convert to paper statements; however, this could take up to two (2) billing cycles depending on the payee. When the new Bill Pay service launches on October 24, you will need to log in to your account and enroll in eBills—this includes eBills that were turned on prior to the new system migration.

Will my Bill Pay history transfer to the new system?

You will be able to see the last 6 months of payment history in the new system. 

How do I access the new Bill Pay site?

When you log in to the new Online Banking platform, we’ve added a Bill Pay tab in the top navigation for your convenience. Note, in Georgia United’s Mobile App you will access Bill Pay by selecting the Menu button in the top left corner and in the drop-down menu, click Bill Pay.

 

Bill Pay is only available through the new Online Banking platform and has been disabled in the previous Online Banking platform. To access Bill Pay, please be sure you are logged into the “New Online Banking” platform and have updated your Mobile App.

Can I set up Bill Pay for my joint accounts?

No. Bill Pay can only be managed through the primary account holder’s login. If you are joint on an account, you will not be able to set up Bill Pay for this account. 

Mobile App

Will this impact my Georgia United Mobile App?

Yes, your current Georgia United Mobile App will need to be updated in order to log in to the new platform. You will sign in using the same username and password as you do for Online Banking. If this is the first time you are logging in after the enhancement, you will also need to verify your identity on this device with a Secure Access Code. If you would like to avoid this verification step for future logins, be sure to register your mobile device.  

Will this impact my Touch ID login?

 

Yes, you will need to setup Touch ID within the new mobile application. Please note, Touch ID is now available for both Apple and Android devices.

 

Quicken, QuickBooks, Mint

QuickBooks

You will need to modify your QuickBooks settings to ensure the smooth transition of your data to the new Online Banking platform. Please use the guides below to migrate your QuickBooks data.

QuickBooks for Windows 
QuickBooks for Mac
QuickBooks Online Edition

Quicken - Express Web Connect

You will need to modify your Quicken settings to ensure the smooth transition of your data to the new Online Banking platform. Please use the guides below to migrate your Quicken data.

Note: Express Web Connect uses the same User ID and Password as your Georgia United Online Banking account.

Quicken for Windows - Express Web Connect
Quicken for Mac - Express Web Connect

Quicken - Web Connect

You will need to modify your Quicken settings to ensure the smooth transition of your data to the new Online Banking platform. Please use the guides below to migrate your Quicken data.

Quicken for Windows - Web Connect
Quicken for Mac 2015 to 2017 - Web Connect
Quicken for Mac 2007 - Web Connect

Mint

Following the launch of our new Online Banking platform, Mint aggregation services may be interrupted for up to 5 business days. For a successful account update, do not log into Mint.com for Georgia United Credit Union until October 31, 2017.

For more information on Mint, click here.

Still have questions?  Contact our Member Care Center at 770.476.6400 or 888.493.4328.