Online Banking

Very secure. Georgia Heritage FCU uses state-of-the-art network security to ensure the protection of your account information.

You may have entered an invalid username/password. You may also be locked out as a security precaution. As a security feature, if you attempt to login unsuccessfully multiple times, online/mobile access will be denied for your protection. If you are having problems logging in, please contact our Call Center during normal business hours at 912-236-4400.

You can reset your password by clicking the "Forgot Password" link on the login page.

Please contact our Call Center at 912-236-4400 during normal business hours for help troubleshooting.

Yes, joint owners can access the account in the same way that you access. Each account owner should create and use his/her own unique username/password to login. It is not recommended to share the same login credentials with other account owners.

There are no limits on how often you can use Online/Mobile Banking. Visit as often as you like.

To access your account you will need the following: any device that can access the Internet, an Internet service provider, an Internet browser, a personal email address, and your Georgia Heritage FCU account number. For mobile access, download the GHFCU app.

Online/Mobile Banking are FREE services.

Yes. You will need to enroll by selecting the "New User" link on our website home page or by selecting “Enroll” from our mobile app home page. You will be prompted to enter your account number and some personal information, create a username and password, and agree to our Terms and Conditions before clicking "submit".

No. You just need the software you would use to access the Internet. For mobile access, download the GHFCU app.

Yes, as long as you have access to the Internet, you may use Online/Mobile Banking from anywhere in the world, 24 hours a day, 7 days a week.

Online/Mobile Banking operates in real time, so internal GHFCU transactions are posted to your GHFCU accounts immediately.

Existing GHFCU members who are not associated with your account can be added as a “Member Recipient” for transfers in TO their account(s). You must have their full name, account number, and that share/loan ID for setup purposes. Once the member recipient has been set up successfully as a “Saved Recipient”, they will appear in your “To Account” list as a choice for a one-time (immediate) transfer request. The member recipient(s) can be edited or deleted at any time by visiting the “Member Recipient” section. Future scheduled transfers or recurring transfers to other GHFCU members are not supported at this time.

Federal Regulation D limits electronic transfers made from savings accounts to six (6) per calendar month. Because of this restriction, you cannot make more than six (6) monthly electronic transfers from each Savings or Money Market Plus account via Online/Mobile Banking or through the Smartline automated telephone system. These restrictions only apply to savings-type accounts, not to checking or line of credit accounts. Transfers from savings to GHFCU loan accounts are also excluded from this restriction. Unlimited transfers can be made inside any GHFCU branch office, CO-OP shared branch office, or ATM.

Always make sure you are using the most updated version of our app. Check for any pending updates and download as soon as possible. Using the most updated version will deliver the best user experience.

Alerts are designed to help you monitor your accounts/loans and alert you when specific transactions or actions take place.

Simply select the "More" option inside Online Banking, and then select "Alerts" to begin. (Not currently available in mobile app.)

No, the alerts feature via Online Banking is a free service. No additional enrollment needed. (Not currently available in mobile app.)

There are several alert types, such as:

Balance greater or less than (specify)
Withdrawal greater than (specify)
Deposit greater than (specify)
Recurring Balance Alert
Check Clearing
Loan payment due in (specify)

(Not currently available in mobile app.)

Select the "More" option inside Online Banking, and then select "Alerts" and "Add Alert". From the drop-down list of accounts, choose the account/loan the alert should apply to and then choose the alert type you wish to use. Each alert type will require additional information be entered. Once complete, select "Create Alert" to save the alert. (Not currently available in mobile app.)

The Message Center is an area inside Online/Mobile banking where you can send/receive messages to/from our Member Services team.
NOTE: Please do not send personal information such as account/member numbers, SSN, DOB, etc.

Bill Pay allows you to pay bills or make other payments from your GHFCU checking account using the Internet from Online/Mobile Banking. Payments can be scheduled 24 hours a day, 7 days a week.

Bill Pay is a free service.

Log into Online Banking from the Georgia Heritage FCU website home page at www.gaheritagefcu.org or to Mobile Banking through the GHFCU mobile app. Once you have logged in, select “Bill Pay” to continue.

You can make Bill Pay payments using your Georgia Heritage checking account. You will also need Internet access and a browser that meets our minimum requirements. We support the two latest versions of all major internet browsers. (For mobile access to Bill Pay, download the GHFCU app.)

It's easy, log into Online/Mobile Banking and select “Bill Pay”. The first time you choose this option, an enrollment screen will be displayed. After you agree to the Terms and Conditions of the Online Bill Pay Agreement, you can select a default Bill Pay account and start adding payees/making payments immediately.

You must add payees before you can schedule payments. To add payees select “Add” from the Payee tile section and enter the required payee info through the process and select “Okay” to add. When setting up your payees, use information from your most recent bill to avoid processing delays. Delays are often caused by an old or incorrect account number or an incorrect mailing address. Once you've added the payee(s), you can begin scheduling payments.

Once you have setup payees, select “Pay Bills” from the Bill Pay sub-menu and choose the payee, verify the default bill pay “from” account is correct, choose date payment should be made, enter payment amount, and payment frequency (one-time or recurring). Scheduling payments can also be handled using the “Quick Pay” tile and selecting the Payee you wish to pay.

To edit a payee online, expand the payee from the Payee tile; to edit a payee in the mobile app, select “Manage Payees” from the Bill Pay Dashboard sub-menu and expand the payee tile. Once the payee tile is expanded make necessary changes to the payee record and then select “Update” to save changes. (Make sure your edits reflect the most current payee billing statement). Keep in mind that adding information that is not within the Payee's billing statement could default electronic payments to the paper check method.

Yes, you can nickname your payees. Nicknames (if used) will appear inside (parentheses) along with the Payee Name.

Grouping payees may help you more easily navigate a long payee list, hide infrequently-used payees or even with household budgeting by establishing first-half and second-half-of-month payee groups. To start adding groups select the following links from the Bill Pay Dashboard: Online>select the “Groups” link; Mobile App>”Add Groups” link.

No, bills can only be paid using a draft account, like your GHFCU checking or money market account. We recommend using a checking account since money market accounts have monthly withdrawal limitations.

For electronic payees (paid via ACH), your account will be debited as soon as possible. For check payees (paid via paper check) your account is debited when the bill paycheck is presented for payment by the payee and will post as a regular cleared draft item.

Georgia Heritage FCU recommends that you schedule your payments a minimum of seven (7) business days before the due date for check payments and three (3) business days for electronic payments. Depending on the payee, payments may be sent electronically or via U.S. Mail, but even electronic payments need at least three (3) business days to be processed.

To view payment activity/current status, select “Payment Activity” from the Bill Pay Dashboard using Online/Mobile banking Bill Pay. Choose the date range and then any specific filter options if desired. Detailed information will appear for each payee that had payment activity during the date range that was selected. A “Scheduled Payments” tile also appears to display any payments currently scheduled. The “Payment Activity” list can also be printed or exported into an excel CSV file (using online option-not mobile).

Throughout the Bill Pay system an icon will be displayed beside each payee that signifies how payments will be processed for that payee. An envelope image represents a paper check payment method; whereas a lightning bolt represents an electronic payment (ACH) method.

Yes, you can add a memo/note on Bill Pay payments. If it is a check payment, the memo will be printed on the check and stored with the payment in the payment history. For electronic payments, the note will be stored with the payment in the payment history (but cannot be sent with the payment).

Yes, but not through the Bill Pay area. Check payments for paper check payees clear like a regular draft from your designated Bill Pay account. These would be visible by viewing the payment account’s transaction history inside the “Accounts” section of Online/Mobile banking. Clicking on the check image icon would allow you to view the front/back image of the item.

No. Personal finance software integration is not available through Bill Pay at this time.

You have the ability to modify, cancel, or delete a payment: as long as the item is in a pending status. Once the payment passes that stage, no changes can be made. Check payments that are processed can usually be “stopped” as long as the item has not cleared the payment account, although we do not guarantee we can stop the payment. To place a stop on a Bill Pay check payment, contact our Call Center at 912-236-4400. Fees may apply to stop a check payment that was already processed and mailed.

Default recurring payment frequencies are: Weekly, monthly, every 2 weeks, twice a month, every 4 weeks, every 2 months, quarterly, every 4 months, twice a year, and once a year. These can be started on any day of the month.

Bill Pay displays both the "send date" and the “estimated delivery date” for each payment to help you understand when your payment was sent and when the payee is expected to receive the payment.

Bill Pay tracks payments through each step in the process and displays that information to the member and to the credit union.

GHFCU’s Bill Pay system does keep historical records of Bill Pay items that can be filtered, sorted, and researched by the member. This information can be found in the “Payment Activity” section.

If a payment is returned for any reason, Bill Pay automatically returns the funds to your account and will issue a notification email informing you of the return and reason for the return.

No, GHFCU’s Bill Pay service does not offer eBill options with third-party billers at this time.

This option can be found in the Bill Pay section after logging in to Online/Mobile banking. Once in the Bill Pay Dashboard section, choose “Transfer/Send Money” to find the External Accounts tile. Click “Add” to start the process for adding an external account.

Once the member adds in their external account information (account number & routing number) it will need to be verified. This is typically a two business day process.

Yes, after the external account information has been submitted the member will need to retrieve the micro-deposit amounts from their external account and enter them into the external account verification area. Once that step is completed an external transfer can be initiated.

Once the external transfer account has been established, an outgoing A2A transfer takes two business days and an incoming A2A transfer takes three business days once it is processed.

The account at the originating financial institution will be debited the night the external transfer is scheduled as long as it is a business day for processing and the funds are available in that account.

Two business days.

This option can be found in the Bill Pay section after logging in to Online/Mobile banking. Once in the Bill Pay Dashboard section, choose “Transfer/Send Money” to find the "People" tile. Click “Add” to start the process for adding the recipient and their email or mobile number.

The Recipients P2P email or text is sent immediately once the Member initiates the P2P transfer.

Yes, previous Recipients will be available for repeat use.

No, the funds stay available in the Member’s account until Recipient accepts the P2P transaction. The P2P will then be processed through the account in the next payment processing file at 5pm EST. (Once the P2P has processed successfully, the Recipient will receive the P2P within 1-2 business days.)

The Recipient has 10 calendar days to accept the P2P before it is canceled. (The member would need to set up another P2P for the Recipient once canceled.)

There are many different types of notifications that could be generated throughout the P2P process.

Yes, the Recipient receives a reminder notification by either email or text at the 5-calendar day mark if the recipient has not accepted the P2P yet.

Yes, the Member can cancel the P2P as long as the Recipient has not accepted it yet.

If the Recipient entered an incorrect account number, the P2P will fail. The funds are returned to the Member’s account. (This will take 3-4 business days to be returned to the Member’s account once sent back from the receiving Financial Institution.) If the Recipient inadvertently entered an account number that is correct but not owned by the recipient, the Recipient will need to reach out their financial institution to research the transaction for them.

Yes, if the Recipient enters in the wrong answer to the security question or email address/mobile number three times the P2P is locked out and canceled. (The member would need to set up another P2P for the Recipient.)

Once the Recipient accepts their P2P transaction, the P2P will then be processed in the next payment processing file. (Once the P2P has processed successfully, the Recipient will receive the P2P within 1-2 business days.)

The P2P text message comes from 855-943-1779.

The P2P email comes from no-reply@payveris.com.

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FAQ

Account Access/Security

General Functionality

Mobile Banking

Alerts

Message Center

Bill Pay

eBills

Account to Account (A2A) External Transfer Service

Person to Person (P2P) Send Money Service

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