Membership [FAQ]

A membership at Gallup-FCU gives you more than just a bank account. We care about the person behind the account, and we want to see you achieve financial success - no matter how you measure it! Every member enjoys the following benefits: Online Banking, Money Desktop, Mobile App, Atm Locator, Co-op Shared Branching and much more.

About Membership

A membership at Gallup FCU gives you more than just a bank account. We care about the person behind the account, and we want to see you achieve financial success - no matter how you measure it!

Our not-for-profit status allows us to offer higher dividends on savings accounts, lower interest rates on loans, and low fees.

Membership is open to all full- and part-time Gallup employees and their immediate family members. Your membership can continue even if you move, change employment, or retire - once a member, always a member.

Start here to open a $5 minimum, regular-share savings account and become a Gallup FCU member today!

FAQ Categories/Questions:

Deposit Services

Withdrawals and Transfers

Plastic Card Services

Loan Services

Member Services

Gallup FCU

FAQs About Deposit Services (Deposits)

  1. How quickly will I receive access to my deposits?
    We provide instant credit for up to $1,000 for all checks you deposit, no matter how you make them. Whether you are making a deposit through shared branching, ATM, mobile deposit, or at our Riverfront location, you will be able to receive credit quickly. There are few exceptions to this immediate credit of your funds, but we do reserve the right to hold funds at our discretion for the maximum amount of 11 business days, allowed by law.

There is no hold for direct deposit funds. Direct deposits of payroll are available immediately for the full amount.

  1. What is my available balance?
    To view your current available balance, please log in to online banking and enter your username and password. The first screen will show your account summary with the available balances in all of your accounts. If you do not know your username and password, please call us at or email us at to reset this information. You can also download our mobile app, "GFCU Mobile" to view your account history quickly from your phone or mobile device.
  1. Why isn't my deposit available?
    If you have recently made a deposit at our location, a shared branching location, an ATM, or through our mobile application and it was greater than $1,000, the amount over $1,000 will be placed on a hold for three business days.

    Gallup FCU places no holds on direct deposits. Any delay in receiving your direct deposit means we have not yet received it from your employer. If we receive those funds in advance of your payday, they will be made available to you immediately.
  2. When will my deposit be available?
    Direct deposits are made available daily by 8 a.m. If you have recently made a deposit of more than $1,000 at our location, a shared branching location, an ATM, or through our mobile app, the amount over $1,000 will be placed on a hold for three business days.
  1. How do I set up direct deposit?
    If you are a Gallup employee, simply email us at indicating your wish to switch your direct deposit to your Gallup FCU account and the date you wish this to begin. For other direct deposits, please complete our direct deposit change form and submit it to the direct deposit provider.
  2. Why were there no payroll deductions on my last direct deposit?
    If you are paid biweekly, there are two months in the year when you will receive three paychecks. Payroll deductions will appear only on the first and second paychecks of those months.

FAQs About Deposit Services (Withdrawals and Transfers)

What is Regulation D?

Federal Regulation D limits the number of transfers you may make each month from your savings accounts without being physically present or providing your signature.Transfers or withdrawals affected by this regulation include:

  • Those made using online banking
  • Those made over the phone
  • Overdraft transfers (made automatically to cover insufficient funds in other accounts; see below)
  • Those made by a member service representative on your behalf
  • Pre-authorized, automatic, scheduled, or recurring transfers (see below)

You are allowed six such transfers per month, per account. You must complete all withdrawals and transfers beyond this limit in person, by mail, or at an ATM.

7a. What transactions are not affected by Regulation D? [Renumbered these 7a, 7b, 7c]

  • ATM transactions
  • Transfers made to Gallup FCU loans
  • Those made in person at our branch (includes shared branching centers)
  • Those sent in by mail with your original signature
  • Gallup FCU Bill Pay (which uses funds from your checking account)

7b. If a savings account used for overdraft protection has reached its Regulation D limit, will overdraft requests be honored? [If this applies just to savings accounts, we can include "savings account" as part of the question]

No, they will not. In that case, you will receive a notice by mail and incur an Insufficient Funds charge for every overdraft attempted beyond your monthly limit. Regulation D does not affect line-of-credit loans; these can be used for overdraft protection. Apply for an overdraft protection line-of-credit loan.

7c. I have authorized a merchant to automatically withdraw payments from my savings account; do these count against my monthly limit?

Yes. These payments, otherwise known as "ACH" or "EFT" transactions, are subject to Regulation D limitations; withdrawals attempted beyond your monthly limit will not be honored, and will generate a notice by mail and an Insufficient Funds charge. To avoid this, make automatic payments using a free Gallup FCU checking account or other nonsavings account. Contact the merchant to arrange this change, and allow at least a month for it to go into effect. Alternatively, consider using Gallup FCU Bill Pay rather than automatic withdrawal to automatically send payments to the merchant.

FAQs About Deposit Services (Plastic Card Services)

  1. Can I overdraw my account using my VISA debit card?
    Yes. There are, however, only a few situations when it is possible to do this. An outstanding debit card authorization is the amount immediately deducted from your available balance while the bank waits for the final settlement request from the merchant, which can take several days. A final settlement request is an instruction from the merchant to the bank to deduct the exact amount of your final purchase. It follows the debit card authorization request and completes the transaction. While the majority of transactions are settled within one business day, the actual timing rests with the merchant and is out of the financial institutions control.

    Keep in mind that, until the final settlement, the outstanding authorization amount may be larger or smaller than your actual purchase amount. In some cases when final settlement is delayed, the outstanding authorization is released, which causes your available balance to appear larger than you might otherwise expect.
  2. What is the daily limit on my VISA debit card?
    The default daily purchase limit on your VISA debit card is $500 or your current available balance (whichever is smaller). The daily ATM cash withdrawal limit is $310. If you need to request a change to your limit, please contact us at or 800-317-3095.

FAQs About Loan Services

  1. What are my loan payment options?
    You can elect to pay your loan in a variety of ways. These include setting up payroll deductions, automatic transfers from your checking or savings account, setting up automatic electronic transfers from an outside financial institution, or making manual cash, check, or credit card payments.

FAQs About Member Services

  1. How can I find a shared branching location?
    You can do this quickly and easily by accessing our online locator. Our Shared Branch Locator requires only a ZIP code to locate the branches that are most convenient to you. With more than 5,500 branches nationwide, chances are you will find one close to your home or work.
  1. How do I find a surcharge-free ATM?
    You can find one quickly and easily by accessing our online ATM Locator. The Locator requires only a ZIP code to locate the surcharge-free ATMs that are closest and most convenient to you.
  1. What is DocuSign?
    DocuSign is the leading eSignature solution in the market -- allowing easy, efficient, and secure signing of electronic documents. It's accessible any time, anywhere, on any device. We use this source for different documentation you may need to sign, such as loan documents and member applications. This helps us reduce paper while adding an extra measure of convenience for our members.
  1. How do I make a transfer to my other Gallup FCU accounts?
    You can make transfers between your Gallup FCU accounts within online banking. Log in, hover over "Accounts," and select "Transfers." You will be able to select both the "from" and "to" accounts from a drop-down list. Include the amount you wish to transfer and select "Continue" to complete the transfer.
  2. How do I make a transfer to or from my account at another financial institution?
    You are able to make transfers to any financial institution through our online Gallup FCU Bill Pay system. You would set up yourself as a payee at your other institution. There is an instructional video on the Bill Pay site.
  3. How do I set up a transfer to another individual at another financial institution?
    In order to pay an individual electronically, you must be an online Gallup FCU Bill Pay user. You would simply set up a payee with name and address, and a check will be cut and mailed directly to them from this service.
  4. How do I make a transfer to another member of Gallup Federal Credit Union?
    In order to make a transfer to another Gallup FCU member, that member will have to provide you with his or her account number and account suffix first. Once that information has been provided, you can log in to online banking, hover over "Accounts" from the navigation on the left side of the screen, and select "Transfers." You will select the account you wish to make the transfer from in the "Transfer From" drop-down, and in the "Transfer To" drop-down, select "Other Account." Two additional boxes will appear where you will enter the member's account number and account suffix. Include the amount to transfer and click "Continue" to complete the transfer.

FAQs About Gallup FCU

  1. How can I use Gallup FCU if I don't work at the Omaha Riverfront location?
    We offer many solutions for remote access, so no matter where you live, banking with Gallup FCU can be easy.

Option 1. Shared branching is a complete solution to any teller transaction need you might have. We provide access to more than 5,100 shared branch locations across the country. Click here to find a shared branch that is convenient for you.

Option 2. Online banking provides you with access to many services that would at times use a teller to complete. These include transfers, check withdrawals, viewing account balance and history, and retrieving statements.

Option 3. Our mobile app will allow you to make transfers, deposit checks with the click of a button, and locate the nearest shared branch or ATM. To download this app, search "GFCU Mobile" in the iOS app or Google Play store.

Option 4. ATM access can be found by using our Surcharge-Free ATM Locator or our nationwide deposit-taking ATM locator.

  1. Who is eligible for membership at Gallup FCU?

Membership is open to all full- and part-time Gallup associates and their immediate family members. Immediate family members include parents, grandparents, children, grandchildren, siblings, and those living in the same household.

  1. How do I unlock my account?
    To unlock your account, please call us at 800-317-3095 or email us at

    If you enter an incorrect username and/or password three times, the system will lock you out. Prior to your third attempt, you have the option to select "forgot my password" beneath the login area. You will need to know your username or member ID to have a temporary password emailed to the email address we have on record for you.
  1. What do I do if I have fraudulent charges on my account?
    The first thing you should do if you notice fraudulent charges is cancel your card immediately by calling us at 800-317-3095 or through the lost/stolen number at 800-554-8969. Next, provide us with a full list of your fraudulent charges, including dates, amounts, and merchants. From there we will work with you directly to refund your account in a timely manner.
  2. I've been charged a fee. Why?
    We charge minimal fees for some transactions. For a complete list of our charges, please see our fee schedule.
  1. What is the difference between current balance and available balance?
    Your available balance is the account balance you actually have access to, and does not include deposits of checks that have not been finally collected, or free from pending hold status. It does include the day's deposits and withdrawals that have been previously posted to your account but are subject to final posting at the end of each business day's processing. Your current balance is the account balance that includes all deposits and withdrawals that the credit union has processed against your account on the prior banking day.
  1. What is Money Desktop?
    Money Desktop is an online money management tool, securely integrated into online banking, which empowers you to take control of your finances and simplify your life. Budgeting, account aggregation, automatic categorization, and debt management are just a few of the tools available to you within this member benefit. To set this up, log in to online banking, hover over "Services" from the navigation on the left side of the screen and select Money Desktop. Watch this short video explaining how this feature works.

Important Alerts:

All visitors are required to make an appointment one day prior to entering the Gallup Campus. Call us at 402-938-6800


Fast Facts

Routing #: 104089574

1001 Gallup Drive, Omaha NE 68102

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