GHS has several important Disclosures you should be aware of when utilizing our website and electronic services.

• Bill Payer Disclosure
• Privacy Disclosure
• Online Banking Disclosure
• USA Patriot Act Disclosure
• Electronic Services Disclosure
• Financial Insitution to Financial Insitution Transfer Disclosure
• Annual Notice- Non-VISA Pin-Less Debit Transcations
• Membership and Account Agreement
• eStatement and eCommunication Disclosure
• Overdraft Disclosure 
• Debit Card Agreement
• Funds Availability
• Checking and Savings Disclosure 
• Funding Source Acknowledgment and Disclaimer 

Annual Notice- Non-VISA Pin-Less Debit Transactions

You may use your VISA Debit Card to initiate both VISA debit transactions and non-VISA debit transactions without using a personal identifi cation number (PIN) to authenticate the transactions. To initiate a VISA debit transaction, you may sign a receipt, provide a card number or swipe your card through a point-of-sale (POS) terminal and choose to route the transaction over a VISA network. 

To initiate a non-VISA debit transaction, you may enter a PIN at a point-of sale terminal or, for certain bill payment transactions, provide the account number for an e-commerce or mail/telephone order transaction after clearly indicating a preference to route it as a non-VISA transaction.  We have enabled non-VISA debit transaction processing on the NYCE, CIRRUS, CO-OP, ALLPOINT and ACCEL/Exchange network(s).

The rights and protections applicable only to VISA debit transactions, including additional consumer liability limits and streamlined error resolution procedures, as described in your Electronic Fund Transfers Agreement and Disclosure will not apply to transactions processed through non-VISA networks. Please contact the Credit Union with any questions you may have regarding this notice.

If you have questions about any of these disclosures, please feel free to contact us.