CREDIT CARD

Credit Card FAQ

How is a credit card different from a debit card?

A debit card immediately withdraws existing funds from your checking account to which it is linked. You can only spend money you already have in the checking account.

With a credit card, you are borrowing money. When you apply, your financial institution weighs various factors to determine the limit, or maximum amount you can borrow.

You get a monthly statement reviewing all of your purchases, as well as how much you owe. Credit card payments typically have a minimum monthly payment you’re required to pay on time. Late payments mean your financial institution will charge interest on top of what you already owe.

How do I apply for GHS Federal Credit Union Credit Cards?

You can apply for a Visa Credit Card with our online application. It only takes a few minutes!

Do I need to become a GHS FCU member to apply for a credit card?

You must be a member to take advantage of our debit and credit cards, offers, and other GHS financial products and services.

Membership eligibility is open to anyone who lives or works, worships, goes to school, or volunteers in New York’s Broome, Chenango, or Tioga Counties. Immediate family members are also eligible.

What are the benefits of joining a credit union?

There are lots of reasons to become a member. Benefits include:
- Free financial education
- Personalized attention and service
- Fewer fees and lower interest rates when you borrow
- Potential for higher returns on savings accounts

Because credit unions are member-owned not-for-profits, they can pass along savings to their members. They are governed by people who live and work alongside you, which means they see you as more than a customer.

Can I transfer other credit card balances to my GHS Credit Card?

Apply for a balance transfer online or download a form and bring it to a GHS location.

How does my credit score affect my rate?

A higher credit score typically translates to lower interest rates and fees. 

Check your own credit score for free once a year at annualcreditreport.com.

How do I sign up for mobile banking?

Signing up for mobile banking is easy. Simply download the GHS FCU Mobile App. When you log in for the first time, all you have to do is follow the prompts. 

Once you’ve got the app, you can pay bills, manage your savings and checking accounts, make deposits, and more.

How do I start using online banking?

With a GHS FCU member number, you’re ready to sign up for online banking. In addition to your member number, you’ll need the following:

- Zip code
- Birth date
- SSN/TIN last four

What are the benefits of online banking?

GHS FCU online banking offers a variety of convenient features, including:

- Make credit card payments
- Apply for loan and make loan payments
- Check statements, transactions, and account history
- Set up and track auto payments
- Free, 24/7 access

Can I apply for a business credit card?

If you have a GHS FCU Business Savings and/or Checking Account, you are eligible for a Business Visa Credit Card.

Take advantage of no annual fees, low rates starting at 7.90% APR, free e-Statements, and online bill payment.

How do e-Statements work?

Enjoy the convenience of accessing your credit card statements online. They’re also available as PDFs, so you can print and save them for your records.

We offer e-Statements for bank accounts and a variety of loans.

How do I earn Visa CU-Rewards Points?

As a rewards credit card, you earn points every time you use your Visa Credit Card. You can redeem the points to put toward some of the following:

- Travel, experiences, and event tickets
- Name-brand electronics, household items, and more
- Gift Cards
- Cash back
- Charitable donations
- And more!

log into CU-Rewards and view your points

What if I can’t access a GHS ATM?

Access a GHS no-fee ATM any place, any time. Visit any ATM featuring logos from either Allpoint or Co-Op to access your GHS accounts.

You can also find the closest GHS ATM with our ATM finder.