Use your computer to view account balances, complete transactions, and pay bills with our Bill Pay service.
You can set up recurring payments and reminders, make one-time payments, and view pending payments and your transaction history.
FAQ
Account Access/Security
How secure is Online/Mobile Banking?
Very secure. Georgia Heritage FCU uses state-of-the-art network security to ensure the protection of your account information.
Why can't I login successfully?
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 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.
What if I forgot my password?
You can reset your password by clicking the "Forgot Password" link on the login page.
What if my account information is not correct or does not appear on the screen?
Please contact our Call Center at
912-236-4400 during normal business hours for help troubleshooting.
Can the joint owner on my account use Online/Mobile Banking?
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.
Are there any limits on how many times a day I can login to Online/Mobile Banking?
There are no limits on how often you can use Online/Mobile Banking. Visit as often as you like.
Online/Mobile Banking
What is Online/Mobile Banking?
Online/Mobile Banking is a convenient and secure way to access your accounts 24 hours a day, 7 days a week, using the Internet. With Online/Mobile Banking you can view your account balances, account history, e-statements, images of cleared checks, and pending transactions. You can also transfer funds between your GHFCU accounts/loans in real time, make payments to loans, transfer funds to other financial institutions, make person-to-person money transfers, apply for loans, setup account alerts to notify you when certain things happen on your account, and use our secure message center to contact us for help.
Which accounts can I access with Online/Mobile Banking?
You can access all of your Georgia Heritage FCU accounts, including savings, checking, Visa credit Card, and other loans.
What do I need in order to begin using Online/Mobile Banking?
To access your account you will need the following: any device that can access the Internet, an Internet service provider, an Internet browser, and your Georgia Heritage FCU account number.
How much does Online/Mobile Banking cost?
Online/Mobile Banking are FREE services.
Do I need to enroll?
Yes. You will need to enroll by selecting the "New User" link on our website home page or by selecting "Register" from our mobile app. 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".
Do I need any special software?
No. You just need the software you would use to access the Internet.
Can I use Online/Mobile Banking from any location?
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.
If I make a transfer between my Georgia Heritage FCU accounts, how soon are my funds transferred?
Online/Mobile Banking operates in real time, so transactions are reflected on your accounts immediately.
If I provide my email address through Online/Mobile Banking, what will you be using my email address for?
We would like to have your current email address on record as a way of notifying you regarding important account information. From time to time, with your permission, we may also send you notification about special offers or other information. We respect our member's privacy, and will never sell or give your email address to anyone.
Are there limits on the number of transfers I can make?
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.
Mobile Banking
Why does the GHFCU app page go blank when toggling between app pages on my device?
This happens by design as a security feature. You must re-enter your login credentials to display the app information or use our handy fingerprint or passcode feature.
Why is my GHFCU mobile app not working correctly?
Please check to 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
Is there a fee for using the Alerts feature?
No, the alerts feature via Online/Mobile Banking is a free service.
What is the purpose of the Alerts feature?
Alerts are designed to help you to monitor your accounts/loans and alert you when specific transactions or actions take place.
What do I need to do to begin using the Alerts feature?
Simply select the "More" option inside Online/Mobile Banking, and then select "Alerts" to begin.
How do I enroll in the Alerts feature?
Enrollment is not necessary. It is a free service offered with Online/Mobile Banking.
How do I setup a new alert?
Select the "More" option inside Online/Mobile 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.
What types of alerts are available?
There are several alert types, such as:
- Balance less than (specify)
- Withdrawal greater than (specify)
- Deposit greater than (specify)
- Loan payment due in (specify)
Message Center
What is the Message Center?
Under construction--More information coming soon!
Bill Pay
What is Bill Pay?
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.
What does Bill Pay cost?
Bill Pay is a free service.
How do I access Bill Pay?
Log into Online Banking from the Georgia Heritage FCU website home page at
ghcu.staging.wpengine.com or to Mobile Banking through the GHFCU mobile app. Once you have logged in, select "Pay Bills".
What do I need to use Bill Pay?
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.
How do I enroll?
It's easy, log into Online/Mobile Banking and select "Pay Bills". 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 begin adding payees and making payments immediately.
I've enrolled in Bill Pay. What do I do now?
You must add payees before you can schedule payments. To add payees, select "Pay Bills" and then select "Manage Payees". 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.
How do I schedule payments?
Once you have setup payees, select "Make Payment" from the Bill Pay sub-menu. To make a one-time payment, select "Payments". To make a recurring payment, select "Recurring".
How do I edit a payee?
To edit a payee, select "Manage Payees" within the Bill Pay sub-menu. Locate the payee and click on the payee's name. The next page will allow you to make the necessary edits. (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.
What changes can be made to a current payee without the payee looking like a new payee?
- For electronic payees: Member can change payee account number and payee zip code. If the new account number and zip code match payee requirements, that payee will stay electronic; otherwise a change would render the payee as a check payee.
- For check payees: Payee name, payee account number, payee address fields are each editable.
- For all payees: The optional fields nickname, email, phone number are all editable.
How do changes to payee names, addresses or account number impact payment history?
Payment history will reflect the information that was used at the time the payment was made.
Do I have the option to customize my view of payees (nicknames)?
Yes, you can nickname your payees. The "calendar view" can even display them in due date order, a manner that is helpful to many members.
Can I schedule bill payments from my Georgia Heritage FCU Credit/Debit Card, Personal Line of Credit or Savings account?
No, bills can only be paid using your Georgia Heritage FCU checking account.
When is my account debited?
Your account is debited at approximately 5:00 p.m. EST on the scheduled withdrawal date, Monday through Friday. Payments are processed and sent to the payee the following morning, meaning that payments are sent Monday through Friday. Payments are not sent on Saturdays or Sundays or the day before a scheduled holiday.
How is my bill payment processed?
After your account has been debited, the method of payment is determined based on pre-set logic (payee name, account number, and address). The payment files are then processed via our third-party processing company the next morning. Your payment will be processed via paper check or electronically as an Automated Clearing House (ACH) item.
How long does it take for Bill Pay payments to be processed?
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) 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. Payments requiring a coupon or payment stub may take longer to process by the payee.
How can I see which payments are pending and which have been paid?
To view pending payments, select "Pending" from the Bill Pay sub-menu. To view payment history, select "History" from the Bill Pay sub-menu. The "Payment History" section contains payment history for bills that you have paid (30 days by default, but you can select a longer or shorter period of time). Select "Detailed Search" for more detailed payment history. You can search by payee name, amount, or date range. Alternatively, when scheduling one-time or recurring payments, select "View Payment History" to view payment history for that payee.
Can I stop a payment I have scheduled?
You can cancel any payment prior to the funds being withdrawn from your account by selecting "Pending" in the Bill Pay sub-menu. On the "Pending Payments" screen, select "Cancel" to cancel the payment. Once the funds have been withdrawn from your account, payments that are processed electronically cannot be stopped. Payments that are processed by check may be stopped as long as the check has not cleared, although we do not guarantee we can stop the payment. To check the status of a check payment, select "History" from the Bill Pay sub-menu, and then select "Payment History". The "Date Cleared" column will display the date the payment cleared. To place a stop payment on a Bill Pay check that has not cleared, please contact our Call Center at
912-236-4400. There is a fee to stop payment on a Bill Pay check prior to 10 business days after the payment has been mailed.
How are check or electronic payees differentiated?
At the time the payment is being scheduled you will see by each payee, how each payment will be sent. This information is also available in the "Scheduled Payments" and "Payment History" sections.
Can I add a memo on payments?
Yes, you can add a memo on Bill Pay payments. If it is a check payment, the memo will be printed on the check and stored with the payment in payment history. For electronic payments, the memo will be stored with the payment in payment history (but cannot be sent with the payment).
Can I view an image of a cleared Bill Pay check payment online?
Yes, once a check payment has cleared, an image of the check will be available within your Bill Pay history. You can view and print a copy of the cleared check by selecting the "History" button from the Bill Pay sub-menu, locating the transaction, and selecting the check number.
Can I use personal finance software such as Quicken or Money to schedule bill payments?
No. Personal finance software integration is not available through Bill Pay at this time.
How can I make a one-time payment to a payee?
A one-time payment can be made in the same manner as other payments. "Add" the payee into your payee list and then initiate the payment. After the payment is made, the payee can either be deleted from the payee list or can remain in the payee list for use at a later time.
How can I modify, cancel, or delete a payment? How will I be notified?
You have the ability to modify, cancel, or delete a payment at any time prior to the time the payment begins to process, usually 5:00 p.m. on the payment (send) date. If the payment is electronic, once the payment begins processing it cannot be stopped and is delivered the next day. If it is a check payment and is not modified/canceled/deleted before the send date, a stop payment can be placed on the check payment.
What are the options for setting up recurring payments?
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.
Can I modify or delete a recurring payment?
Yes, you can modify or cancel a recurring payment at any time for future payments.
What does the payment date mean?
Bill Pay displays both the "send date" and the "deliver date" for each payment to help you understand when your funding account will be debited and when the payee should receive their payment.
Do I have the ability to track the status of a payment?
Bill Pay tracks payments through each step in the process and displays that information to the member and to the credit union.
How much payment history and detail is stored in Bill Pay?
Bill pay stores eighteen (18) months of history that can be filtered, sorted, and researched by the member. This information can also be found through the calendar view, which gives a more visual representation of the payment history and future scheduled payments. (If you need information that is older than eighteen (18) months, please contact our Call Center at 912-236-4400 for these research requests.)
What if a payment is returned by the payee? How would I be informed?
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.
eBills
Does Bill Pay offer eBills?
Yes, eBills is available for specific payees who offer the eBill service. To setup an eBill, select "Setup an eBill". You will then be prompted to enter your biller website user ID and password. Once the eBill setup is complete, you will see the date due and balance due summary information as well as a PDF image of the bill detail when made available by the biller.
What are the capabilities for the member to view their eBill (current and historical)?
eBills are exact replicas of those received in the mail for those billers that make PDF images of their bills available on their biller websites.
How can I delete an eBill from a payee?
You can delete an eBill at any time. In the event you had an automatic payment associated with that eBill, you would be required to make any required future payments manually.
How does Bill Pay present eBills?
Summary information is displayed along with exact replicas of those received in the mail for those billers that make PDF bill images available on their websites.
How do I access eBill information?
How is it filtered, sorted, and searched? The eBill is associated with the relevant payee and can be searched and filtered in the same manner as other payee information.
Account to Account (A2A) External Transfer Service
Under Construction--More information coming soon!
Person to Person (P2P) Send Money Service
Under Construction--More information coming soon!
Transfer to "Any Member"
How do I request a one-time transfer to any member in Online/Mobile Banking?
At this time, the transfer TO "any member" feature is no longer supported. We now offer the ability to pay anyone through our Person to Person (P2P) service. This service can be found in the "Pay Bills" section of our Online/Mobile Banking system by selecting the "Transfer/Send Money" option.
