eStatements

• Why can't I see eStatements for the accounts I'm a joint owner on?
  

  eStatements are tied to the primary account holder's Digital Banking login rather than to the account itself. This means that eStatements are only accessible by the primary account holder.

• Will I receive a loan bill for my line-of-credit if I have a $0 balance due?
  

  If your line-of-credit has had no activity since your last loan bill and you have no payment due, a loan bill will not be generated for that billing cycle.

• Who receives the loan bill when there are multiple borrowers?
  

  While the loan bill will display the names of all borrowers, it is only mailed to the primary borrower's address on file.

• How do I switch back to receiving paper statements?
  

  Click the three dots in the upper right corner of the screen, then Documents, Notices, & Statements.

  Within the mobile app, click Menu in the lower right corner of the screen, then More, and Documents, Notices, & Statements.

  Uncheck the checkbox in Paperless Settings to opt-out of eStatements.

• How do I update my email address for eStatement notifications?
  

  Select the person icon in the top right corner of Digital Banking and click Profile.

• What does the "Balance Subject to Interest" field on my Home Equity Line-of-Credit and Overdraft Line-of-Credit loan bill mean?
  

  The average daily balance for the loan for the billing cycle.

• Why am I receiving a bill if I am set up for automatic payments?
  

  Loan bills are generated regardless of whether automatic payments are set up.

  • If your automatic payment was set up directly by GSCU, this will be indicated in the Account Information section.
  • If your automatic payment was set up externally (such as through your bank) or through Digital Banking, this will not be reflected on your loan bill. However, your payment will still be processed as scheduled.
• Within Digital Banking all of my accounts are available under one login, so why do I receive multiple statements?
  

  While Digital Banking allows you to conveniently view all accounts under a single login, statements are generated based on account ownership rather than login credentials. If you have accounts with different ownership structures, you will receive a separate statement for each ownership type.

• Why aren't my Digital Banking account nicknames reflected on the statement?
  

  Nicknames are for member's personal use and do not carry over to GSCU systems or statements.

• How far back can I view my eStatements?
  

  eStatements will be available beginning with September 2025. Contact GSCU at [email protected] for copies prior to September 2025.

• A check number has an asterisk next to it on my statement. What does this mean?
  

  A check has cleared your checking account out of numerical sequence.

• Will my business accounts appear on my statement?
  

  If your business operates under your personal SSN (e.g., Sole Proprietorship or DBA) your business accounts may be combined with your personal statement, provided the account ownership matches.

  If your business operates under a separate Tax ID (EIN), a separate statement will be generated.

• What is the difference between dividend rate and annual percentage yield earned?
  

  Dividend rate is used to calculate earnings. Annual percentage yield earned (APYE) is what was actually earned, which takes the balance and the length of the statement period into account.

• How do I get a copy of my statement?
  
  • Sign up for eStatements in Digital Banking by accepting the disclosure during enrollment or by clicking the three dots in the upper right corner of the screen, then Documents, Notices, & Statements.
  • Within the mobile app, click Menu in the lower right corner of the screen, then More, and Documents, Notices, & Statements.
  • Select the checkbox in Paperless Settings to opt-in to eStatements. View document history, download, or print in the eStatements and Document tab. For statement copies prior to September 2025, please contact GSCU directly.