Frequently Asked Questions

Find answers to common questions about our products, services, and policies.

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Cards & Payments

Accounts

Loans & Mortgages

Security

Membership

General

What are your branch hours?

Our standard branch hours are Monday through Friday from 9:00 AM to 5:00 PM, and Saturday from 9:00 AM to 1:00 PM. Some locations may have extended hours. Please check the Locations page for specific branch details.

How do I become a member of Golden Bridge Credit Union?

To become a member, you need to: 1) Meet eligibility requirements, which include living or working in our service area, 2) Complete a membership application, 3) Open a savings account with a minimum deposit of $25, and 4) Provide a valid ID and Social Security Number.

What is the difference between a credit union and a bank?

Credit unions are not-for-profit organizations owned by their members, while banks are for-profit institutions owned by shareholders. As a result, credit unions often offer better rates, lower fees, and are focused on serving their members rather than maximizing profits for shareholders.

Accounts

How do I open a new account?

You can open a new account online through our website, through our mobile app, or by visiting any branch location. You’ll need a valid ID, Social Security Number, and an initial deposit (amount varies by account type).

What accounts do you offer?

We offer a variety of accounts including: Savings Accounts, Checking Accounts, Money Market Accounts, Certificates of Deposit (CDs), Individual Retirement Accounts (IRAs), and Business Accounts. Each has different features and benefits to suit various financial needs.

Is there a minimum balance requirement for checking accounts?

Our Basic Checking account has no minimum balance requirement. Our Premium Checking requires a $1,500 minimum daily balance to avoid the monthly service fee. Our Business Checking accounts have varying minimum balance requirements based on the account type.

How do I set up direct deposit?

To set up direct deposit, provide your employer with a direct deposit authorization form (available on our website or at any branch), along with your account number and our routing number (253179258). Most direct deposits are effective within 1-2 pay periods after submission.

Cards & Payments

How do I activate my new debit or credit card?

You can activate your new card by calling the number on the sticker attached to the card, through our mobile app, through online banking, or by making a purchase with your PIN at any point-of-sale terminal.

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

If your card is lost or stolen, immediately call our 24/7 Card Services line at (800) 555-4321 to report it. We’ll deactivate your card and issue a replacement. You can also temporarily freeze your card through our mobile app or online banking.

How long does it take to receive a new or replacement card?

New or replacement cards typically arrive within 7-10 business days by mail. If you need a card sooner, you can request expedited delivery for an additional fee, or visit a branch for instant-issue cards (available at select locations).

How do I set up bill pay?

To set up bill pay, log in to your online banking account or mobile app, navigate to the ‘Bill Pay’ section, and follow the prompts to add payees. You can schedule one-time or recurring payments, and most payments are processed within 1-2 business days.

Loans & Mortgages

What types of loans do you offer?

We offer a variety of loans including: Personal Loans, Auto Loans, Mortgages, Home Equity Loans, Home Equity Lines of Credit (HELOCs), Student Loans, and Business Loans. Each loan type has different terms, rates, and requirements.

How do I apply for a loan?

You can apply for a loan online through our website, through our mobile app, or by visiting any branch location. You’ll need to provide information about your income, employment, assets, and debts, as well as the purpose of the loan.

What factors affect my loan approval and interest rate?

Several factors impact loan approval and rates, including: credit score, income, debt-to-income ratio, loan amount, loan term, collateral (for secured loans), and relationship with Golden Bridge (existing members may qualify for better rates).

How long does the mortgage application process take?

The mortgage application process typically takes 30-45 days from application to closing. Pre-approval can be completed within 1-3 business days. To expedite the process, gather all necessary documentation in advance and respond promptly to any requests for additional information.

Digital Banking

Is mobile banking secure?

Yes, our mobile banking app uses multiple security features including encryption, multi-factor authentication, and biometric login options (fingerprint or face recognition). We also never store sensitive account information directly on your device.

How do I deposit a check using the mobile app?

To deposit a check using our mobile app: 1) Log in to the app, 2) Select ‘Deposit’ from the menu, 3) Choose the account for deposit, 4) Enter the check amount, 5) Take photos of the front and back of the endorsed check, and 6) Submit the deposit. Funds are usually available within 1-2 business days.

How do I enroll in online banking?

To enroll in online banking, visit our website and click on the ‘Enroll Now’ button in the online banking section. You’ll need your account number, Social Security Number, and other identifying information to complete the enrollment process.

What should I do if I forget my online banking password?

If you forget your password, click on the ‘Forgot Password’ link on the login page. You’ll be guided through a verification process that may include answering security questions or receiving a verification code via email or text. After verification, you’ll be able to create a new password.

Security

How does Golden Bridge protect my account information?

We protect your information with multiple security measures including: 256-bit encryption for online and mobile banking, multi-factor authentication, automatic session timeouts, monitoring for suspicious account activity, and regular security assessments and updates to our systems.

What should I do if I suspect fraud on my account?

If you suspect fraud, immediately contact our Fraud Prevention department at (800) 555-9876. You should also change your online banking password, review recent transactions for unauthorized activity, and consider placing a freeze on your credit reports with the major credit bureaus.

How can I keep my accounts secure?

To keep your accounts secure: use strong, unique passwords; enable two-factor authentication; be cautious with emails or calls requesting personal information; regularly monitor your accounts; keep your contact information updated; use secure networks for banking; and ensure your devices have up-to-date security software.

Are my deposits insured?

Yes, deposits at Golden Bridge Credit Union are federally insured by the National Credit Union Administration (NCUA) for up to $250,000 per depositor, per ownership category. This insurance is similar to FDIC insurance at banks and provides protection in the unlikely event of credit union failure.