Other Services

Wire Transfers, Domestic and International

GHA Federal Credit Union offers wire transfers to its members to and from other financial institutions. The cost for this service is $20 per wire in the United States. (Costs vary on international transfers). You must contact the recipient financial institution for wiring instructions. Availability of funds depends on the financial institution transferring the funds. Your signature on our form is required prior to processing the transfer and additional information may be required to verify identity. 

Funds are to be wired to:

  1. Bank Name:  Alloya Corporate Federal Credit Union, 1021 Watervliet-Shaker Road, Albany, NY 12205.
  2. ABA/ Routing #271987635.
  3. Further Credit to: GHA Federal Credit Union  Account # 221174045
  4. Final Credit to: "Your Name" and "Your Account Number."

Please remember to include the account suffix (ie: "001" for Share Accounts and "010" for Share Draft Checking) at the end of your account #.

For information about this service or for international rates, please call 203-863-3450

Lifetime Membership

Once you join the Credit Union, you can take us with you wherever you go, even if you change jobs, relocate, or retire.

Notary Services

Notary Public Service is offered free of charge to all members. You may take advantage of this service by visiting our office.

A Notary may:

  • attest to the signature and execution of documents
  • authenticate the execution of documents
  • authenticate the content of documents and facts recited
  • administer oaths and declarations
  • act as power of attorney
  • verify corporate records and contracts
  • verify (via translator) translations of documents into English and from English
  • administer copies of Notarized documents
  • oversee international domain name transfers

For more information about this service, please call 203-863-3450.


Money Orders

The Credit Union offers money orders for a fee of $2.00 each.

Direct Deposit

Save yourself a trip to the Credit Union by using Direct Deposit to automatically deposit your check into a GHAFCU account. Use Direct Deposit to automatically deposit all or a specified portion of your paycheck into your Credit Union account(s). It's a great way to secure your check.

With so many responsibilities pulling at your time, Direct Deposit can help you enjoy the time you have, by eliminating the responsibility of personally depositing your checks. Read on as we explain the many benefits of Direct Deposit:

  • Time Saving - No more driving to the Credit Union to deposit your check
  • Flexible - Route funds to Savings, Checking or Money Market Accounts
  • Consistent - Checks are deposited on time and accurately, even if you're out of town
  • Safe - Alleviate concerns about losing a check or having it stolen
  • Fast and Convenient - Have instant access to your funds, there's no "hold"
  • Profitable - Your money earns interest immediately, if deposited to a Savings or Money Market Account
  • Traceable - Your monthly statement will reflect the deposit

Payroll, Government, Income Tax Returns and Retirement Checks are eligible for Direct Deposit. To initiate Direct Deposit of U.S. Treasury Checks (i.e., Social Security, Civil Pension, Disability). For private employer pay, please consult your employer to originate Direct Deposit. The Credit Union's Routing and Transit # is 221174045.

Automatic Teller Machine

Members can access their accounts around the clock at Cirrus® or NYCE® ACCEL, The Exchange ATM networks. The ATM offers the ability to withdraw, transfer or check balances 24 hours a day. A $3.00 transaction fee will be charged for each withdrawal or inquiry transaction (that is at a non-Credit Union Machine) Transaction at the GHA Federal Credit Union ATM 5 Perryrige Road is free of charge be aware, however, that non-Credit Union Machines may assess a "surcharge", if you do not use the Allpoint network. If your card is lost or stolen please call 1-800-554-8969.

Home Banking

Now you can access all your accounts through the Internet from anywhere in the world. This secure service offers a wide range of features and it is easy to use. Online Banking allows you to:

  • View account history and check your balances
  • Transfer money between accounts
  • Transfer loan payments online
  • Request a check from your account
  • View interest and dividend information on your accounts
  • Verify if a check has cleared your account
  • Place stop payments on lost checks
  • Download your statement to Quicken or Money (QIF)
  • Request a copy of your statements
  • View holds and further dated transactions
  • View NSF items
  • Sign up For Estatement or Enotices or EAlerts

Click on HOME BANKING. Enter your member number (which can be found on your monthly or quarterly statement) and a PIN number. If you do not have a PIN number please email us through the website and we will get you started.

Bill Payer-e-Pay

e-Pay is an electronic bill payer application that allows members to access, view, and pay their monthly bills over the Internet from anywhere at anytime the Free with a checking account and full direct deposit of your payroll.

With e-Pay, members can visit our Web site, click on a specially designed link and enroll to pay their bills online. With this service, members can perform functions such as entering and maintaining payees, scheduling payments, and examining and downloading payment history data.

Electronic Bill Payment simplifies bill paying and saves time. With this system, there are no more trips to the mailbox, checks to sign, stamps to buy, or envelopes to lick. Members can pay their bills (electric, telephone, credit card, insurance, etc.) online 24 hours a day, seven days a week.

Once a member has signed up for Electronic Bill Payment, he or she can schedule payments to be made directly from his or her checking account. These payments can be made promptly or members can schedule them to be made automatically on a specific day each month.

A brief overview:

Once you have decided to use this convenient service, you must thoroughly complete the set up process. It is very important that you enter your checking account number correctly when using our e-Pay system. To ensure no mistakes are made, please be sure to have your checkbook in front of you.

Listed below are sample checking numbers as they appear at the bottom of all GHAFCU checks:

| 221174045  |     00001234510     |   1000

Our routing and tracking number is 9 digits between the "| |" symbols Your checking account number is to the left of the "||" symbol. Please do not include the zeros. This is the check number. It should match the number in the upper right corner.

Once signed up, you will then recieve an email directing you to go on line and verify the debits and credit charged to your share draft account. This verfication, lets the system know have you entered all the correct information. Once verified, you are ready to go!

Customer Service #877-570-7141 opt 3

Ira Accounts

We offer members two types of IRAs:

  • A Traditional IRA is a tax-deferred personal retirement account. Your contribution each year may be tax deductible depending on how much money you earn, your maritial status and whether you contribute to a 401(k) plan at work.
  • With a Roth IRA, your contribution is not tax-deductible, but when you retire and begin making withdrawals, you may do so tax-free.

ATM Master Check Card

Master Check Cards allow you to withdraw funds from you checking account without ever having to write a check. You can use your Master Check Card anywhere you see the Master Card Logo. You can purchase groceries, gas or anything else and the money will come directly out of your checking account. No more writing checks and showing two forms of identification. Best of all, there is no charge for using the Master Check Card or no annual fee.

You also have access to over 55,000 ATMS across the 50 states surcharge fee Now in Puerto Rico Canda and Mexico. Go to Allpoint network.com for locations.

Our Master Check Card is also an ATM Card. It can be used worldwide. Money can be withdrawn from your checking account or your savings account.

Register your card at www.uchooserewards.com to start earning points on swiped (credit) purchases. ** Points good for 2 years from date of purchase.

**** If your card is lost or compromised due to a data breach you will need to re-register and enroll your new card.

Card Choices

Below are options for your MasterCard design:

  • Visit www.allpointnetwork.com for a listing of free ATM locations.
  • If your card has been lost or stolen please call -      800-554-8969
  • To activate our card and Select a Custom Pin call -  800-567-3451
  • Fraud Call Back or Fraud Notification Call                - 877-253-8964

The Credit Union has also added eNFACT Neural Network to our Debit Master Card Program. Please pick up the phone or call them back to protect your account from fraud.

Foreign Currency

Traveling Overseas, the credit union has partnered with Ceifx so you can purchase your currency before you leave! Save by purchasing foreign currency prior to departure to avoid escalated fees and inflated exchange rates in airports, hotels and banks. You can purchase 125 different currencies and have it delivered to your home, office or the Credit Union the next day. You only pay the current exhange rate plus shipping.