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.

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.

Avoiding Overdrafts with Mobile Banking

Opening an online checking account and savings account through your local credit union allows you to closely monitor your account activity via online banking tools. Your online banking services include overdraft protection, which prevents your debit card from being declined if you have insufficient funds and gives you a grace period to deposit money into your checking account to avoid overdraft fees.

Online banking also allows you to review your transactions quickly and easily to ensure there is no fraudulent activity on your account, and that you have enough funds in your checking or savings account to cover your expenses. Your credit union may also be able to set up account activity alerts, which notify you of deposits, withdrawals, and the current balance of your checking account. This will help you stay on top of your balance and avoid overdrawing your account.

If you’re interested in learning more about how to avoid overdrafts of your online checking account in O’Fallon, come see us at GCS Credit Union. We can set up overdraft protection, account alerts, and online banking services to help you monitor your account and budget. Call us today at (618) 797-7993 to learn more about our credit union.

A Guide to Setting Savings Goals

If you’ve just set up an online checking and savings account with your local credit union, you’ll want to create savings goals to make it easier to save money. Enrolling in online banking with your credit union will help you manage and track the money that goes in and out of your checking and savings account. Here’s a simple guide to get you started on setting savings goals.

Determine What You are Saving For

To determine how much money to save, you’ll first need to decide what you’re saving for. You may be saving money for education, a down payment on a home mortgage or auto loan, travel expenses, retirement, or all of the above. A representative at your credit union can help you determine what type of savings account will work best depending on the purpose of your savings.

Create a Timeline for Your Goal

Next, you’ll need to create a timeline for reaching your savings goals. This will motivate you to reach your goals and help you determine the amount of money you need to put aside each month. You can set up benchmark dates by which you want to have a certain sum of money invested in your savings account.

Set up Automatic Transfers to Your Savings Account

Once you know how much you need to save and by what date, you can ask your credit union representative to set up automatic transfers to your savings account. This process will securely transfer a set amount of money from your online check account to your savings account on specific dates each month. This will guarantee that you meet your monthly savings goals.

When you join GCS Credit Union, a credit union in O’Fallon, we will help you set up a safe, secure online checking account and savings account. We can also work closely with you to help you create a savings plan and meet your savings goals. To learn more about online banking through our credit union, call us today at (618) 797-7993.

How to Choose the Right Credit Card for Your Needs

A credit union in O’Fallon offers many different kinds of loans and lines of credit. When it comes to credit cards specifically, it is important to research your options ahead of time. No two credit cards are alike, and different cards are specifically geared toward individuals with certain financial histories, needs, and goals. Read on to learn why you should research credit history, consider financial goals, and analyze rewards options when you choose a credit card.

Research Credit History

The first step in choosing the right credit card is accessing your credit score. With the help of your credit union, you can pull your credit report and get the financial education tools you need to understand your situation. If you have solid credit, you will qualify for a low-interest rate. As long as you continue to pay down your balance each month, you can maintain superior credit while still having access to funds whenever you need them.

Consider Financial Goals

As you consider your credit car options, make sure to think about your short-term and long-term financial goals. If you are trying to consolidate debt, look for the lowest interest rate possible so you can minimize fee payments and interest. Because you have so many options, experts advise against limiting your selections too early. Make sure your card offers the tools you need, like online bill pay.

Analyze Rewards Options

Credit card rewards can go a long way toward improving your life. With cards like the Visa rewards credit card, you can expect the benefits to add up every time you swipe your card. Today, credit cards offer extra perks like airline miles, hotel points, shopping discounts, and more. If you are a heavy credit card user, these rewards can let you travel for free throughout the year.

Find out more about the credit cards offered by GCS Credit Union by contacting us today. Whether you want to finance a new business, pay for a vacation, or simply need a credit card in case of emergency, you can call us at (618) 797-7993.

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