Digital Banking

• Will my login credentials still work?
  

  Yes! If you are an existing user, you will use your current username and password to login for the first time. You'll simply log in as you normally would on or after August 25th.

• Will I need to do anything after the upgrade?
  
  • Recreate your alerts -- set up the notifications you'd like to receive in the new platform.
  • CardControl users -- your settings have been reset to default. Access and reselect your preferred options within your Checking Account.
  • Quicken®, QuickBooks®, or other Intuit® users -- Deactivate or disconnect existing connection, then reconnect accounts to the new digital banking experience. When reconnecting, do not create a new account unless you intentionally want to add a separate account register. Creating a new account may cause duplicate accounts or duplicate transactions. Learn more
• When will the upgrade take place?
  

  The new Digital Banking platform will launch on August 25, 2026.
  The new Digital Banking platform will feature a seamless design across every device – desktop, tablet, or mobile - so you can enjoy a smooth experience wherever you log in.

• What will stay the same?
  

  Your account balances, transaction history, scheduled payments, recurring transfers, and other account information will automatically transfer to the new Digital Banking platform.
  Your current mobile banking app will update automatically as well.

• Who can I contact with questions or concerns?
  

  Our Member Service Team is here to help. Visit our Contact Us page or call 800-645-4728.

• Why are you upgrading Digital Banking?
  

  As technology continues to evolve, so do banking needs. We recognized the need to provide members with a more modern, cohesive, and user-friendly experience, all designed to make managing finances simpler and more convenient.

• What types of alerts are available in Digital Banking?
  

  There are three alert categories:

  • Subscription Alerts - Account-specific alerts you can opt to receive
  • Security Alerts - Mandatory and optional security-related alerts
  • Alert History - A log of past alerts
• What financial wellness tools does GSCU offer in Digital Banking?
  
  • Cashflow - See your income, expenses, and overall cash flow across all connected accounts, including the ability to forecast future cash flow.
  • Savings Goals- Set targeted savings goals, choose the account to save to, and track progress from your dashboard.
  • Spend Analysis - View visual breakdowns of your spending by category to help identify trends and manage your budget.
  • Spend Forecast - Automatically identifies recurring income and upcoming financial obligations to help you plan ahead.
  • Net Worth - Get a complete view of your assets and liabilities -- including accounts at other institutions -- to calculate your overall net worth.
  • Budgets - Create and manage budgets by grouping accounts, identifying income sources, and setting spending limits by category.
  • Transaction Detail - View transactions in a clear, organized format, sorted by category, merchant, or location.
• What is Spending Analysis inside of Digital Banking?
  

  Spending Analysis allows you to track spending over a period of time. The purpose of the tool is to enhance your ability to manage your money, view investments, as well as set and monitor financial goals. You can view all of your GSCU accounts and even add accounts from other institutions.

• What are External Account Transfers?
  

  Also known as Account-to-Account transfers, allow you to link bank accounts at other financial institutions to your GSCU Digital Banking. Once linked, you can easily transfer funds between GSCU accounts and external accounts.

• How do I transfer to outside accounts?
  

  You can set up external accounts by securely linking them and executing standard ACH transfers.

  Set up the external account:

  • Navigate to Make a Transfer and select External Accounts then Add Account.
  • Verify ownership of the external account in one of two ways:
  • Instant Account Verification - requires validation of your login credentials at the external institution.
  • Manual Account Input - enter your outside institution's 9 digit routing number and your account number. Then, wait a couple of days for small "micro-deposits" to appear in your external account. 

  Return to GSCU's Digital Banking to verify the micro-deposit amounts.

  • Once linked, you can select the external account from your Transfer From/To dropdown menu.
  • If you need to send an urgent or large sum, you can submit a domestic or international wire transfer.

  Visit a local branch location or contact the GSCU Contact Center at 800-645-4728 for instructions and associated fees.

• What is an Authenticator App?
  

  A free mobile app that generates a secure, time-sensitive One-Time PIN (OTP) code that you use to verify your identity when logging in. Unlike codes sent via text or email, the code is generated directly on your device and doesn't rely on cellular or internet connectivity.

• Are there password requirements for my Digital Banking account?
  
  • Must be between 8 and 32 characters in length
  • Must contain:
    • Uppercase letter
    • Lowercase letter
    • At least one number optional special characters allowed !?@$%^*-_|
  • Cannot use previous password (last 10)                
• I’m not receiving text messages and/or a phone call with my ID Verification One Time Passcode.
  

  Follow these troubleshooting steps:

  • Verify that the phone number being used is the correct phone number you have set up for ID Verification. Next, request a new verification code be sent.
  • Select to receive a phone call rather than text message in case text messages have been turned off for your device.
  • Consider a landline phone call if in a low signal or reception area as this may impact receiving these calls or text messages.
  • If you are still experiencing issues with not receiving the code, contact GSCU at 1-800-645-4728 to help troubleshoot.
• Is Digital Banking safe?
  

  Digital Banking with Granite State Credit Union (GSCU) is safe, utilizing advanced encryption, firewalls, and secure login protocols. Like all regulated financial institutions, GSCU features built-in defense, though your personal safety relies on strong passwords, utilizing secure networks, safe-guarding your login credentials, and monitoring your accounts regularly.

  Security Features and Practices

  GSCU employs several measures to ensure digital safety:

  • Encryption - Uses Secure Socket Layer (SSL) encryption technology to safeguard data you enter and transmit online
  • Platform Upgrades - Operates on an advanced digital banking platform that ensures up-to-date security, feature enhancements and bug fixes.
  • Biometrics - You can secure your mobile app access using facial recognition or fingerprint login
  • Custom Alerts - Members can configure text or email alerts for account activity.
  • CardControl - GSCU's cardcontol lets you restrict debit card usage, enable geolocation controls and more

  Best Practices for Members

  • Enable multifactor authentication: GSCU Digital Banking offers several forms of authentication, from one-time-passcodes to authenticator apps and passkeys.
  • Use secure wi-fi: Avoid accessing your bank accounts on unsecured public wi-fi networks
  • Never Share Credentials: GSCU will never ask for your login credentials, account number or debit card number.
• What do I do if my phone is lost or stolen?
  
  • Lock your device: Use Apple's "Find My" or Android's "Find my Device" to remotely locate, lock or erase your phone.
  • Freeze your cards: Immediately report your lost or stolen debit card. 
  • Call Notify GSCU: Contact Member Services during business hours or by calling to secure your accounts.  
• What do I do if I’ve been locked out?
  

  Contact us at 1-800-645-4728 or use Live Chat for 24/7 support.

• How do I enroll in Digital Banking?
  

  If you are a primary or joint account holder click Enroll Now and the system will walk you through the process.
  It is important to use your full account number when registering - not your member number.

• How do I change my Digital Banking credentials?
  

  Update your username and password by clicking the person icon in the upper right corner, then Security. In the mobile app, click Menu in the lower right hand corner, then Settings and Security.

• Will joint owners have their own login?
  

  Yes, joint owners will continue to have their own profile login for Digital Banking.

• What is a Member to Member (M2M) transfer?
  

  A Member to Member (M2M) transfer lets you send funds to another GSCU member, even if you are not a signer on their account.

• Why do I see fees applied and then credited or refunded on my account transaction history?
  

  If a fee is refunded, you will see the fee and refund in your transaction history because it was assessed by the system and then reversed or refunded, resulting in no charge to the account.

• Do I have to enroll in Digital Banking to use the mobile app?
  

  Yes. You can create your Digital Banking account through the mobile app or browser! Your login credentials are the same within both.

• How much does it cost to use Digital Banking?
  

  Digital Banking is a free service that GSCU provides to our members.

• Do I need to download a new mobile app?
  

  No, utilize auto-updates within your app's settings or update the app through your device's app store.

• I have external financial accounts set up; will I have to re-establish those accounts after the Digital Banking upgrade?
  

  No, everything will carry over automatically.

• What types of accounts can be viewed within Digital Banking?
  

  All GSCU accounts and even some external accounts!

• What operating systems and web browsers are supported to access Digital Banking?
  

  Current versions of:

  • Windows
  • Mac OS
  • Mozilla Firefox
  • Google Chrome
  • Apple Safari
  • Microsoft Edge
• How do I rename my accounts?
  

  Click on the account you wish to rename and select View Account Details. Click the pencil icon next to Account Nickname. Type the new name for your account and Update.

• How do I send a secure message?
  

  Click the person icon in the upper right, then Message Center and Create New Message.
  In the mobile app, click the Menu icon in the bottom right of the screen, then Message Center.

• Where do I locate my account number?
  

  Click into any account tile and view your full account number under Account Details.

• What transactions can I do within Digital Banking?
  

  Many everyday banking transactions, including viewing account activity, transferring funds, making loan payments, paying bills, depositing checks remotely via your mobile app, and managing other available account services, such as Bill Pay.

• How can I place a check stop payment?
  

  Navitage to More (3 dots) or to the Checking Account and select Stop Payment.

• How do I set up alerts?
  

  Log in to Digital Banking, navigate to More Links and click Alerts. Select preferred notification methods. In the mobile app, select Menu in the lower right corner and Alerts. You can then customize notifications for:

  • Balance
  • Thresholds
  • Transaction Amounts
  • And more!