Routing Number: 222381934

Deposits

Savings
Accounts

Checking Accounts

Electronic Services

Savings Accounts

Savings Account Features
  • Home Banking
  • Online Check Imaging
  • E-Statement Availability
  • Bill Pay Services
  • Debit Card Services with access to over 40,000 surcharge free ATM’s
  • Mobile Banking Access – including mobile check deposits
  • Direct Deposit and Payroll Deduction Options available
  • Multiple Overdraft Protection options available
Regular SavingsYouth SavingsAdditional SavingsHoliday ClubMoney Markets
DescriptionTo secure your membership a minimum balance of $5.00 is required; giving you the opportunity to take advantage our other products and services.Help your kids become wise savers with our Youth Savings Account.You can open as many additional savings account as you need.Great way to save for the holiday season.Great way to save while earning a higher dividend rate. Rates are tiered based on the account balance at the end of the month.
Features & Benefits$5.00 within your regular savings maintains your membership with GVFCU.
Label your additional accounts to manage your needs and goals! (ex: Vacation Account, Tax Account, Insurance Account, Child’s Name, etc…)
We will match the first $5 deposit at opening! Available to youth 12 years old and younger.Label your additional accounts to manage your needs and goals! (ex: Vacation Account, Tax Account, Insurance Account, Child’s Name, etc…)Open anytime throughout the year
Deposit/withdrawals can be made anytime
Funds are transferred to the primary savings account on October 1st of every year
6 check withdrawals per month without a fee
6 electronic transactions per month
APY % and Tier0.05%0.05%0.05%0.05%
$0.00 - $2,499.99 0.05%
$2,500.00 - $9,999.99 0.10%
$10,000.00 - $24,999.99 0.15%
$25,000.00 - $49,000.00 0.35%
$50,000.00 - $99,999.99 0.50%
$100,00.00 + 0.75%
Initial Deposit Amount$5.00$0.00$0.00$0.00$0.00
Monthly Service Fee$0.00$0.00$0.00$0.00Maintain a minimum of $2,500 to avoid the monthly service charge
Available for Business MembersYesNoYesYesYes
Certificates

Safe way to earn a guaranteed rate of return which is higher than a regular Savings Account Yield.

    • Terms range from 6 months to 6 years.
    • Premium Checking Account members are offered a special Certificate Term and Rate.
    • GVFCU will notify you 30 days before a Certificate comes up for maturity.
    • 10 calendar days from the date of maturity to make changes to their Certificate or it will automatically renew.
    • Dividends are compounded monthly.
    • Earned dividends may be deposited into an account monthly.
    • All GVFCU members are eligible for Certificates
    • All of these features are available for IRA Certificates
    • NOTE: Compare Annual Percentage Yield, not Annual Percental Rate when shopping for Certificates.

Certificate Withdrawal & Penalties

Government regulations require a substantial penalty for failure to comply with Certificate requirements. Should you withdraw funds prior to maturity, the penalty will be as follows:

  • If the qualifying period is one year or less, you will forfeit an amount equal to the lessor of:
    • All dividends for 90 days on the amount withdrawn; or
    • All dividends on the amount withdrawn since the date of issuance or renewal.
  • If the qualifying period is greater than one year, you will forfeit an amount equal to the lesser of:
    • All dividends for 180 days on the amount withdrawn; or
    • All dividends on the amount withdrawn since the date of issuance or renewal.

Penalties will not be applied if withdrawal is because of death of an owner of the Certificate. Should the balance of the Certificate fall below the required minimum, penalties will be imposed, and the Certificate will be closed. A penalty may result in loss of part of the principal.

TermRateAPY
6 month0.30%0.30%
1 year0.399%0.40%
15 month*2.227%2.25%
2 year0.598%0.60%
3 year0.797%0.80%
4 year1.00%1.00%
5 year1.49%1.50%

*Must have a Premium Checking account to be eligible

Checking Accounts

Checking Account Features
  • Direct Deposit and Payroll Deduction Options
  • Home Banking
    • Online Check Images
    • E-Statement Availability
    • Bill Pay Services
  • Multiple Overdraft Protection options available
  • Debit Card services with access to over 40,000 surcharge free ATM’s
  • Mobile Banking Access – including mobile check deposits
Free Quality CheckingYouth CheckingPremium CheckingFresh Start CheckingPremium BusinessBusiness Non-Profit Checking
DescriptionOffering the same FREE Quality Checking account since we opened our doors in 1974.Available to youth 13 to 17 years of age with a parent or guardian.All the benefits you received from our Free Quality Checking PLUS dividends on the balance in your account.Gives individuals who have had financial difficulties in the past a second chance to enjoy the benefits of a Checking Account and the support needed to successfully manage the account.Earn interest at a premium rateGeared towards our NonProfit organizations to maintain all your accounts under one roof.
Features & BenefitsWe will match the first $5 deposit at opening!
Pride of having their first checking account
First box of value checks - FREE
Preferred Certificate Rates
8 FREE transactions per month at non-GVFCU ATMs
After your account has been maintained for a minimum of six months without any negative activity; then we can convert you to a FREE Quality Checking account – at your request.1,000 FREE deposit items (fees apply for items over 1,000)
UP to $25.00 credit towards first business check printing order
Unlimited FREE items
APY % and Tier0.00%0.00%0.10%0.00%0.10%0.00%
Initial Deposit Amount$0.00$0.00$0.00$0.00$500.00$0.00
Monthly Service Fee$0.00$0.00$6.00 (Waived with average daily balance of $750.00 with direct deposit or $1,000.00 without direct deposit)$6.00$6.00 (Waived with average daily balance of $2,500.00)$0.00
Available for Business MembersYesNoNoNoYesYes

Electronic Services

ATM/Debit Card

ATM Card

  • Cash Withdrawals up to $600.00 per day
  • FREE at all GVFCU ATMs
  • Non GVFCU ATM Withdrawals:
    • Premium checking accounts receive 8 free per month (see fee schedule)
    • Surcharge free at Co-Op ATMs! Co-Op ATM in the country or TXT your zip code to 91989 for the ATM nearest you. (FREE based on your cell phone provided)
  • Make purchases anywhere you see the NYCE or CIRRUS Logos and get Cash Back
  • Purchase/Cash Back up to $100.00/day
  • Unlimited access and never a fee

Debit Card

  • Like the ATM Card, the debit card is linked to your checking and savings account.
  • Part of the MasterCard Network
  • Total purchases up to $2,500/day
  • Cash back options with your purchases
  • Choose your own PIN number
  • No fees for purchases
  • Use as a credit card for convenient online shopping
  • Fees apply for balance inquiries (use P.A.T or Home Banking for free)

Card Lost or Stolen?Credit Card Image

If your ATM/Debit card has been lost or stolen, please call 800-472-3272 immediately!

Locate an ATM

Text* your zip code to 91989 from your mobile phone for the ATM location nearest you. *While there is no charge from GVFCU or the CO-OP network for this service, standard text messaging and other fees, if any, from your mobile phone carrier may apply. CO-OP-ATM
Home Banking
  • Real time access to your GVFCU funds
  • Built in personal financial management reporting to see where you are spending your money
  • Creating budgets
  • E-alerts setup via email or text
  • Customized dashboards
  • Recurring transfers and loan payments
  • Make transfers between accounts
  • Make payments to your loans
  • Access bill pay services
  • Online check reordering
  • Check and statement imaging
  • Electronic Statements (E-Statements)
  • Easy registration process
    • 3-5 minute turnaround
      • Click register
      • Verify – name, account information, social security number
Bill Pay

Online bill pay allows you to pay virtually anyone or any company through your bank account online at one convenient location.  You no longer need to log onto multiple different websites to pay your bills.  You determine who you want to pay, when you want to pay, and the account you want the payment to come from.  It is really that simple!

  • Saves you time and money vs. sending payments through the mail.
  • Access through your smartphone on our mobile app
  • Takes minutes to pay your bills each month.
  • Save time on trips to the post office and writing out checks
  • Features such as recurring payments allow you to set up a schedule to pay your bills automatically
  • Saves money on postage, late fees, and checks.
  • Payment history is stored online so you won’t have to file and sort through paper receipts.
  • Simplifies your organization view your monthly calendar to see what you have scheduled for the month.
  • You can schedule payments in advance, so you won’t have to worry about paying bills when you travel.
  • Bill pay reminders can be set up to notify you it’s time to pay your bill.
Mobile Banking

Makes staying connected to your accounts while on-the-go that much easier!  Sign up for home banking and you will automatically be enrolled in Mobile Banking.

  • App available for download for both iPhones and Androids
  • SMS (text message) banking
  • Apps for Smartphones and iPads
  • Bill Pay
  • Mobile Check Deposit
  • Transfers
  • Balance Inquiries
  • Real time debit card balances
  • Current rate information
  • Branch, ATM Locations and more!
Phone Access (PAT System)

Access your account anytime, anywhere with our Phone Automated Teller (PAT) System.  Call one of the numbers listed below, enter your member number and PIN, and have secure access to your Genesee Valley FCU account(s) right from your phone.

  • Easy to use access to your accounts
  • Available 24/7
  • Speech recognition for ease of use
  • ‘Expert mode’ simplifies the call flow for frequent users
Geneseo Dansville Warsaw Toll Free
(585) 991-7100 (585) 612-6027 (585) 786-7507 (855) 502-8183

How to follow the prompts:

  • Enter your member account number
  • PAT requests your access code (PIN), which is the last four digits of your Social Security Number
  • Choose a four-digit PIN, this will be your PIN going forward

NOTE: Your PIN cannot start with ‘0.’ If you have trouble accessing our PAT system, please contact a member service representative for assistance.

Direct Deposit

No more worries about a paper check getting lost, stolen or delayed and no standing in line at the branch to deposit your check.  Sign up for Direct Deposit and have it go right into your account immediately.

To have your paycheck, tax return, or other checks Direct Deposit (like Social Security and Pension payments), you will need the following information:

  • ABA or Routing and Transit number #222381934
  • Direct Deposits being setup to your Checking Account will need your MICR/Draft ID number at the bottom of your check
  • Direct Deposits being setup to your Savings Account (01 only) will need your member number. You will NOT be able to set up Direct Deposits to an additional savings.
    • We DO offer easy internal transfer options so once your Direct Deposit reaches your designated account. We can allocate those funds to any of your share accounts as you please.  Changes are just as easy to set up, so as your life changes, so can your transfers!

Download the Direct Deposit Form

Card Valet

Manage your debit card with our Card Valet APP - click to see more details.

Card Valet Banner