GCS Credit Union
GCS is a full service financial institution serving the following counties in Illinois: Madison, St. Clair, Jersey, Macoupin, Montgomery, Bond, Clinton, Washington, Randolph, and Monroe.

Using Technology to Take Control of Your Money Management

Careful money management allows you to plan for the future, reach goals like home mortgage loans and even vacations, and avoid unnecessary expenses like fees for an overdrawn checking account. Now, money management is easier than ever thanks to technology that puts the information you need at your fingertips. Consider putting this technology to work for you as take control of your finances.

Online Banking

Few tools are as easy and as important to money management than online banking. When you sign up for online services from your credit union, you’ll get all of the tools you need to see your account activity in real time and manage your money accordingly. Look at your checking account balance before making a purchase, shift money into your savings account at regular intervals, or simply keep an eye on where your money is going to identify any wasteful patterns. Online banking can help you set and meet savings goals, avoid overdrafts, and always have a full grasp of your financial picture before making decisions.

Online Bill Pay

Online bill pay takes the hassle out of paying bills by doing away with the checkbook, envelope, and stamps. Set up payments directly from your accounts without worrying about the check getting lost in the mail. Paying your bills online gives you the security of knowing your payment was received and alleviates concerns about juggling due dates.

Online Budgeting Tools

There are a wide range of tools that can be used to build and track your budget online, including apps that you can download to your smartphone. Use these tools to manage your spending and savings goals and to set limits. By plugging your spending habits into your budgeting tool, you can identify areas where you may be able to cut back and save more money to spend on the things you really want.

If you’re interested in making technology work for you, visit your GCS Credit Union branch for more information. We provide online banking in O’Fallon and much more to help you reach your financial goals. For more information, call (618) 797-7993.

Smart Money Advice for Millennials

If you’re a millennial, you’re just starting to learn how to manage your money and make smart financial decisions. Your credit union is always there to help guide the way. This video also offers some advice.

One of the smartest things that millennials can do is manage their credit scores. Find out what yours is, and if you don’t have a credit card, talk to your credit union about getting a rewards card and charge only what you can pay off each month. Refinancing student loans and practicing with the stock market before actually investing are also good strategies.

Young adulthood is the right time to build healthy financial habits for life. At GCS Credit Union, we can help you make smart decisions about checking accounts, auto loans, and more. Find out how our credit union in O’Fallon can help you by calling (618) 797-7993.

Making Your Checking Account Work for You

Who says your money just has to sit in your checking account, waiting for you to spend it? With the checking account options at GCS Credit Union, you can get more from your checking account for less, with free checking options that pay you. Here is what you need to know.

With Kasasa Cash checking account, you get free checking with up to 2.00% annual percentage yield just for meeting some basic qualification like using online banking and making at least 12 debit card purchases per month. With the Kasasa Cash Back account, you can get up to $6 cash back per month just for making regular purchases. For a no-frills account option, choose Free Classic Checking for access to online banking and bill pay. Students can learn to manage their money with the help of a parent with a free Student Success Account Package added on to a Kasasa Cash Back or Free Classic Checking Account.

Call GCS Credit Union in O’Fallon today for more information about our member services and how our credit union helps you succeed. You can find out more about becoming a member by calling (618) 797-7993.

How to Budget in Your First Apartment

When you first move out on your own, you must monitor your checking account and savings account to ensure you have enough money for your expenses. You should consider opening a student checking account at your local credit union to avoid the excessive banking fees and charges from other banking institutions.
Watch this video for more tips on budgeting in your first apartment. You will learn how to create a reasonable budget and savings plan, join a credit union, and monitor your spending via your online checking account and online savings account.

At GCS Credit Union, we can help you can set up online banking and online bill pay in O’Fallon to help you manage your money and create a savings plan for your new student savings account. To learn more about our student checking accounts and savings accounts, call us today at (618) 797-7993.

Exploring the Security Benefits of Banking Online

When you set up an online checking account with a credit union, you’ll enjoy the convenience of quick, easy online banking and online bill pay services. Online banking is also a safe, secure way to manage your money and keep track of your finances. Here is a look at some of the many security benefits of online banking.

Encrypted Connection to Online Banking Services

Your credit union’s server guarantees you a secure, encrypted connection to access your online banking services. A third party cannot access any information you and your credit union send. You can safely transfer money from your online checking account to your savings account, and can rely on swift, secure online bill pay transactions.

Identity is Confirmed via Secure Password and Questions

When logging into your online checking account, you’ll need to enter a secure password. This password should be different from the passwords you use on other sites, and should change regularly to maintain online banking security. If you don’t remember your password, your credit union representative will ask you a series of security questions to confirm your identity. These questions may also be asked periodically throughout your online banking transactions to ensure you’re the only one with access to your account.

Quickly and Easily Review Transactions for Fraudulent Activity

Online banking allows you to quickly and easily review all your transactions for fraudulent or unauthorized activity. You can review your most recent transactions almost immediately, and set up alerts for varying levels of account activity to provide you with up-to-the-minute notifications. If you notice an unauthorized transaction on your online checking account, you can send a secure message to your credit union representative to begin the fraud claim process.

If you’re interested in setting up online banking in O’Fallon, come see us at GCS Credit Union. We can assist you in setting up an online checking account, savings account, and IRA, as well as offer you great rates on home mortgage loans, auto loans, and Visa Rewards credit cards. To learn more about our credit union, call us today at (618) 797-7993.

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