To use Online Banking YOU MUST RE-ENROLL.  The online banking login tab below will take you to the new system.  Or download our new app (yellow heart/G icon).  Your old username and passowrd will not work.  Select 'First Time User' to re-enroll.  More Info

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Digital Upgrade
Digital Upgrade

Digital Upgrade

Building Our Bright Future
with Heart

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Our Commitment to An Excellent Member Experience

We're excited to introduce our new digital banking solution, designed to make managing your money easier and more secure. With a simple and user-friendly interface, you'll find it easier than ever to keep track of your finances. Here's just a few of the features you can look forward to!

 

Download our new app.

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Enrollment for New Users

Need help enrolling into our new digital banking? Watch the video below:

 

Set Up 2-Step Verification

Please Note: The first time you access your accounts online or using mobile banking, you will be required to setup 2-step verification. 2-step verification is an extra security step where you will need to provide a second piece of information, like a code sent your phone number, in addition to your usual banking password. This helps make sure only you can access your account, and it keeps your financial information more secure. 

Online Banking
(Web Browser)

  1. Visit www.genfed.com and click Login

  2. Click 'First Time User"
  3. Enter required enrollment information (SSN/EIN/TIN, member number, email address* and phone number*)
    *must be same as those on file with GenFed
  4. Complete 2-Step Verification Process
  5. Accept User Agreement

Mobile Banking (Apple/Samsung/Android Devices)

  1. Download the new GenFed Financial Credit Union app from the Apple App Store or Google Play Store

  2. Choose the "First Time User" option.
  3. Enter required enrollment information (SSN/EIN/TIN, member number, email address* and phone number*)
    *must be same as those on file with GenFed
  4. Complete 2-Step Verification
  5. Accept User Agreement
  6. Creat username and password
  7. Create 4-digit passcode
  8. Enable Face ID

Account Recovery

Forgot your username or password? Watch the video below to find out how to recover your account:

 

Bill Pay

Need help enrolling in Bill Pay? Watch the video below:

 

Mobile Deposit

Need help with Mobile Deposit? Watch the video below:

 

Need to Know Details

  • Any automatic transfers scheduled through online banking, including loan payments, may need to be recreated in the new system after November 4.  Automatic transfers scheduled through the branch will automatically continue in the new system.
  • Loan payments due November 1 - 4:  if the payment was scheduled as a transfer through online banking (including re-occurring payments) to be made during the upgrade extended weekend, you'll need to make that payment on November 5.  Those payments may need to be re-created in the new system after 11/4.  If your payment is scheduled to be made with Money Mover during the extended upgrade weekend, it will still be automatically made for you after the extended upgrade weekend.
  • Any alerts you have set up in the current system will need to be re-established after November 4.
  • Any bills scheduled to be paid through Bill Payer  during the upgrade, November 1 - 4,  may not have be made!   If you did not re-schedule them before the upgrade, you'll need to pay them on November 5 when we reopen.  
  • Intuit users:  On Monday, November 4 you should deactivate and then reactivate your connection.  Find details here.
  • If you connect to any third party providers, especially Plaid or Plaid-owned apps (such as Robinhood, Venmo, Betterment, Acorns, Mint, and many more) you will need to disconnect and reconnect those apps on or after November 5.
  • To use the Safari browser for online banking on your phone or PC it is recommended you disable cookie detection.  Within the Safari menu, click 'Preferences' and navigate to the 'Privacy' tab across the modal that pops up.  Make sure 'Prevent cross site-tracking' and 'Block all cookies' are unchecked.  cookies

What's Different?

  • Account types are changing!  There will be a new 4 digit number for each type.  For example, your primary savings will end in 0001 instead of S1.  You'll be able to see the full  numbers inside online banking.  This unique number for each type of account can be used for electronic deposits and withdrawals!
  • Check withdrawals from online banking will be replaced with our new transfers option.  Or, Bill Pay may be used.  Alternatively, you can call your branch.
  • Remote Deposit is now Mobile Deposit!  If you were enrolled in Remote Deposit on the old system, you will be enrolled in Mobile Deposit.  However, if you want to use the new feature allowing you to deposit into additional share types, each type will require a request. 
  • For direct deposit or other electronic transactions, you now have a special account number for each of your deposit accounts.  This number can be found inside online banking under the details for the specific account you want to use. You can still use just your member number for automatic transactions.    
  • Joint members can create their own log-in after the primary member has set up their log-in!!
  • Zelle person-to-person payments and enhanced bill pay where you can choose which account to pay from, plus set up payments from biller's statements (available a few days after the upgrade is complete)
  • Small businesses:  QuickBooks plug in will be available
  • Everyone:  get Intuit connectivity for Quicken
  • Receive immediate credit on Remote Deposit
  • Account Alerts will be enhanced with merchant name (instead of just amounts)!
  • The iPad app will be supported again
  • Account numbers will remain unmasked inside the app
  • You'll have the ability to transfer money into or out of GenFed for loan payments or savings from/to an outside FI.
  • Seamless connections to eStatements, Bill Pay, and credit and debit card information and controls
  • Activate credit and debit cards, place travel notices, make balance transfers (credit cards), change PINs, order a digital replacement or report your card lost/stolen all from the upgraded new app!
  • Improved experience for opening a second savings or investment account
  • Set up a Bill Payer alert to be notified that your payment is being sent!
GenFed Digital Upgrade Logo

 

Friday November 1, Saturday November 2, Sunday November 3, and Monday, November 4, 2024 

Online banking and FREDI will be unavailable starting at 2 PM Eastern on Thursday, October 31.

Bill Payer will be closed from Monday, October 28 - Monday, November 4.

What to expect:

  • You now need to re-enroll in online banking 

  • Also remember to download the new app and re-enroll in mobile banking (delete your old apps! yay!)
  • There will be no interruption in the direct deposit of your funds, and Early Pay will remain available as usual.
  • Your debit and credit cards can can continue to be used.
  • Deposits may take longer than normal to process to your account for a little while.
  • Anticipate longer than normal wait times as we resume normal operations.

 Key New Features

Digital Upgrade FAQs

Account Information

Will my GenFed account/member number be changing or will I have more than one account/member number?

No, the account/member number will remain the same and will continue to be the primary way to access your account information.  Additionally, GenFed's routing number will remain the same.

Will shared branching be available during the upgrade extended weekend?

No, shared branching transactions will not be available during the upgrade period.

If I make a night drop during the upgrade closed days, when will it be processed?

Night drop and mailed deposit received during the upgrade should be on or after November 5.

Will my statement be delayed?

There should not be a delay in the October statement.

Will I lose my account history?

No, your account history will continue to be available just like it is in the old system

Will my statement look different after the upgrade?

Yes, there will be changes to the layout of the data on your November statement.  While it will be designed to be user friendly, you can contact GenFed any time should you have a question about the new layout.

Will FREDI still work?

On October 31, 2024 we will say good-bye to FREDI as we know him.  Please join us in a moment of silence in his honor.  

However, a new voice banking sytem should be rolled out during this upgrade time, or shortly after!  The new system is a virtual assistant and should be much more intuitive than FREDI ever was.  New technology will be used to help you make transactions with the prompt of your voice.  We're very excited for our touch-tone teller to be catching up with the 21st century!

If I re-enroll for online banking on my app do I need to register on my desktop?

No, you will only need to enroll in either the app or the desktop.

Will I have access to previous eStatements?

Yes!  You’ll have access to your archived eStatements (up to a 12 month timeframe based on when you enrolled), just like you do now.  

Will the automatic transfers set up in online banking continue to work after the upgrade?

Any automatic transfers scheduled through online banking, including loan payments, will need to be recreated in the new system when it's available, after November 4.  Automatic transfers scheduled through the branch will automatically continue in the new system.

Will my alerts continue to work after the upgrade?

Any alerts you have set up in the current system will need to be re-established after November 4.

Checking / Debit / ATM

Will I be able to use the ATMs during the closure?

Yes, and please note that GenFed will be in an offline mode  and there will be certain limits.

What happens to outstanding checks during the upgrade?

Checks that don't clear before GenFed goes into offline mode on Friday, November 1 will clear when the upgrade is complete.

Will I get new checks or a new debit card? Will my PIN change?

You can continue to use your current debit card and checks through the upgrade and beyond.  Your account and routing numbers will remain the same. Your debit card PIN will remain the same.

Will my debit and credit cards work during the days GenFed is closed for the upgrade?

Yes, and please note that GenFed will be in an offline mode from Friday November 1 through Monday, November 4.  Both cards should continue to work within certain limits.  Please plan ahead so you can be ready in the event you make a larger purchase during this period.  

What do I do if I lose my debit or credit card over the upgrade closed time?

Please contact our support service centers:

  • To report a lost or stolen MasterCard credit card, please call 866-820-3844.
  • To report a lost or stolen STAR debit card, or for 24 hour debit card support, please call 888-918-7853.
Will the ATM show my correct balance during the upgrade closed timeframe?

No.  GenFed will be in an offline mode, there will be certain limits, and the balances shown may not be reflective of your true balance.

What if I have my debit/credit card locked?

Make sure your debit / credit cards are unlocked in the GenFed Cards App on October 31, otherwise you may not be able to unlock them in the new system and your transactions will be denied.

Can I activate my debit/credit card during the upgrade extended weekend?

Please activate any new or re-issued debit and credit cards immediately upon receiving them as activation will not work during the upgrade weekend.

Bill Pay

What other upgrades, aside from those listed in 'Key New Features' above are available with the new Bill Payer?

You'll have a calendar view available, can use Quick Pay to pay everyone from one screen, can set up rules to alert and pay or not pay, and trace number is available. If your payment is sent via check you'll get tracking information.

What if I need to pay a bill that is due during the upgrade period?

Please plan ahead and schedule bills to be paid before the upgrade starts. 

Bill Payer will be closed from Monday, October 28 - Monday, November 4.

Any payments you schedule during this period will not be made.  If you hve paid a bill after March 1, 2024, your billers will be moved to the new Bill Payer system.

What will happen to my bill pay account at the time of the upgrade?

Any bills scheduled to be paid during the upgrade will not be made!  Please reschedule them to ensure prompt payments.  If you haven't had a bill payment since 3/1/24 you will need to re-enroll in Bill Payer on or after November 5.  Reminders do not count as a payment.

What is the Bill Pay down time during the upgrade

Bill Payer will be closed from Monday, October 28 - Monday, November 4.

Please plan ahead and schedule bills to be paid before Monday, October 28.  Bill Payer will be unavailable during this time and any payments you schedule during this period will not be made.  If you have paid a bill after March 1, 2024, your billers will be moved to the new Bill Payer system.

Loans / Credit Cards

What if my loan payment is due during the upgrade?

Plan ahead and make any loan payments that are due between November 1 - November 4 ahead of GenFed going into off line mode on November 1.

If the payment has been scheduled through online banking (including re-occurring payments) to be made during the upgrade extended weekend, you'll need to make arrangements for your November payment which may include making your payment early, or waiting to make the payment on November 5.  Those payments will need to be re-created in the new system after 11/4.   If your payment is scheduled to be made with Money Mover during the extended upgrade weekend, it will still be automatically made for you.

Will my debit and credit cards work during the days GenFed is closed for the upgrade?

Yes, and please note that GenFed will be in an offline mode from Friday November 1 through Monday, November 4.  Both cards should continue to work within certain limits.  Please plan ahead so you can be ready in the event you make a larger purchase during this period.  

What do I do if I lose my debit or credit card over the upgrade closed time?

Please contact our support service centers:

  • To report a lost or stolen MasterCard credit card, please call 866-820-3844.
  • To report a lost or stolen STAR debit card, or for 24 hour debit card support, please call 888-918-7853.
What if I have my credit/debit card locked?

Make sure your debit / credit cards are unlocked in the GenFed Cards App on October 31, otherwise you may not be able to unlock them in the new system and your transactions will be denied.

Can I activate my credit/debit card during the extended upgrade weekend?

Please activate any new or re-issued debit and credit cards immediately upon receiving them as activation will not work during the upgrade weekend.

General

When will this upgrade happen?

To facilitate the system upgrades, GenFed will be closed Friday November 1 through Monday, November 4, 2024.

Online banking (app and online) will be unavailable during this time as well.

GenFed will reopen with new systems on Tuesday, November 5, 2024.

How else does this affect me or my accounts?

This will not affect your accounts in any way, other than an extended closure from November 1 through November 4.  GenFed will reopen on Tuesday, November 5.  On or after that date you will need to re-enroll in online banking.

During that period the old online banking system will be unavailable.  However, your debit and credit cards will continue to work and most direct deposits should be available for withdraw / access as usual.

Your account/member number will not change and no action is required to ensure transactions continue to clear on your accounts after November 5.

Are there any changes to the fee schedule?

Yes!  GenFed is decreasing fees!  There are some very nice changes beginning on November 1.  The fax fee, wire tracing fee, deposit item returned unpaid causing negative account fee, and coupon collection fee are all being removed.

Is my personal data safe?

Yes.  We the safety of your data is a top priority. Please be assured that throughout this upgrade process, we are taking extensive measures to ensure that your data remains secure and protected. Our team is following industry best practices, including robust encryption, advanced security protocols, and continuous monitoring to safeguard your information.

Is my money safe during the upgrade?

The safety of your money is a top priority for GenFed.  Please rest assured that your funds are fully protected and secure during this upgrade process. Our credit union is committed to maintaining the highest standards of security and privacy.

Your deposit accounts are insured up to $500,000 through a combination of $250,000 of primary insurance from American Share Insurance and $250,000 of excess insurance from Excess Share Insurance Corporation.  Each account you have with GenFed is insured individually (savings, checking, certificate, etc.) and there is no limit to the number of accounts you may have to maintain this level of coverage.  Also, individual and joint accounts are insured separately. For example, say you have an individual account containing $250,000, and a joint account with your spouse containing $250,000. Each account is insured separately for a total coverage of $500,000.

 

Questions or Concerns?