eServices

With eServices from Generations, members gain 24/7 access to their accounts to check balances or perform transactions and more. In addition, we offer members online bill pay, eStatements and a mobile application for Apple or Android devices to access account anywhere, anytime.

Remember, when you use our full suite of eServices, you not only save the time and hassle of driving to a branch, but you’re also helping us “go green” in San Antonio by reducing carbon emissions and paper usage.

Online Banking

Start with online banking by registering. For more information and registration instructions, visit the Take a Tour video on the home page or the FAQs listed on this page.

Bill Pay

Take advantage of our online Bill Pay to pay all your bills by clicking the Bill Pay tab in online banking. There are no more checks to write, stamps to buy or envelopes to lick when you take advantage of the free bill payment service. View a Demo Video and learn more about this free, convenient service.

eStatements

Sign up for eStatements for quick access to the past 12 months’ account statements. With eStatement, you help save the environment and keep you personal account information safe by viewing it via our secure online banking. Click on the “Documents” tab to get started.

Mobile Application

Use your smart phone to download the free Apple or Android mobile applications for fast access to your accounts, paying bills, transferring funds and locating the closest branch. Search for “Generations Federal Credit Union” in the store to get started. (Please note: you must register your account using online banking via a desktop or laptop computer prior to using the mobile application).

Equal Opportunity Lender. The credit union makes loans and extends credit without regard to race, color, religion, national origin, sex, handicap, or familial status.

Table of Contents:

• Expert Articles/Papers
• Infographics
• FAQs

Expert Articles/Papers:

• Shaping Up Your Finances
  You manage to make ends meet. You pay every expense and bill on time, every time. But there’s one person you’ve forgotten to pay… yourself. This white paper offers some great budgeting ideas to help you move away from living paycheck to paycheck and begin saving for your future.
• Checklist: Creating a Budget
  Follow these steps to create your budget.
• Checklist: Spending Money Wisely
  Spending money is easy. Spending money wisely is another matter. Follow these steps to shop smarter.
• Part One: What Does Zero Mean?
  This first of a two-part series seeks to uncover the truth behind the promise of zero as it pertains to credit cards, payday loans and pawnbrokers.
• Part Two: What Does Zero Mean?
  This second of a two-part series seeks to uncover the truth behind the promise of zero as it pertains to the rent-to-own industry, refund anticipation loans and car loans.
• Give Yourself Some Credit
  The bills are piling up and you don't know what to do. Maybe an unexpected medical expense put you behind, or maybe your hours at work were reduced. Whatever the reason, you're behind on your payments and your credit score is taking a beating. It's not too late to turn it all around.

Infographics:

• The True Cost of Tax Refund Loans
  
   
• The Real Game of Life
  
   
• Enhancing Small Business Lending
  
   
• Tighten Your Wallet and Your Waist
  
   
• Building for your future, now!
  

Frequently Asked Questions:

Q. What is Online Banking?

A. Online Banking is an Internet-based banking service that gives members 24-hour access to their accounts for reviewing account histories, making transfers and loan payments, setting up transaction alerts, and much more. Online banking is 100% free of charge.

Q. Is Online Banking safe? Are my accounts secure?

A. Generations Federal Credit Union has taken many steps to ensure that your financial transactions are secure when you are entering Online Banking through the Internet. The two most important security features of Online Banking are your password and your SSL (secure sockets layer) enabled browser.

For your protection, Generations Federal Credit Union requires you to register for Online Banking via a multi-step registration process referred to as multi-factor authentication (“MFA”). MFA represents a more secure way to protect your personal information than merely relying upon a single password.

Generations recommends that you memorize your password and do not write it down. You should never give your password to anyone. In addition, we recommend that you periodically change and do not use easily identified passwords.

To enhance the security of your password, when you enter the Online Banking system, you will have only a limited number of times to input your password. If you exceed the limit, Online Banking will deny you entry into the system, even if you enter the password correctly after the limit is exceeded. If you accidentally become blocked from entering Online Banking, please phone our eService Center at (210) 230-9381 (8:30 a.m. to 5:30 p.m, Monday – Friday, 9 am to 1 pm, Saturday).

If you think your password may have been compromised or you notice any unusual activity on your Generations Federal Credit Union account, phone our eService Center at (210) 230-9381 (8:30 a.m. to 5:30 p.m, Monday – Friday, 9 am to 1 pm, Saturday). You can also change your password online immediately using Online Banking. Keep all documents that include your account information in a secure place so that confidential information cannot be obtained by others. These documents include ATM receipts, account statements, your ATM Personal Identification Number (PIN), and your Online Banking password.

SSL Enabled Browsers: Your SSL enabled browser contains the necessary encryption algorithms to “scramble” the information that is transmitted between you and the Generations Federal Credit Union computer system. This ensures the confidentiality of information you submit electronically. For this reason, we recommend that you use the most recent versions of Mozilla Firefox version, Google Chrome, Apple Safari or Microsoft Internet Explorer version.

Q. How current is the information I obtain through Online Banking?

A. It is real-time, meaning the information available to you through Online Banking is the exact information stored on our computer system at the time you log-in to Online Banking

Q. Who do I call if I need assistance with online banking?

A. If you have additional questions, comments or concerns regarding Generations online banking please contact eServices at (210) 230-9381 (8:30 a.m. to 5:30 p.m, Monday – Friday, 9 am to 1 pm, Saturday).

Q. Can I pay bills online?

A. Generations Federal Credit Union offers Online Bill Pay.

Q. What does it cost to use Bill Pay?

A. Bill Pay is free to all Generations Federal Credit Union members using the service. See our Schedule of Fees for additional information about fees and service charges.

Q. Do I have to register to use Bill Pay?

A. Sign on to Online Banking as usual, and then click on the Bill Pay tab. You will be walked through the registration process, which includes:

• Create a password
• Answer security questions

Q. Do I need a Generations Federal Credit Union checking account to use Bill Pay?

A. Yes, payments can only be made from your checking account. Payments may not be made from your Money Market account or savings accounts.

Q. Is there a maximum payment amount?

A. Yes, each merchant payment cannot exceed $9,999.99 however, there is no limit to the number of payments per day. Person-to-person payments and financial institution-to-financial institution transfers cannot exceed $2,500.00 per day.

Q. What phone number should I call for Bill Pay support?

A. If you have questions regarding Bill Pay, please call our Bill Pay Support Center at 877-235-4477, Monday through Friday, 6:30 am – 10:00 pm.

Q. What are eStatements?

A. Generations Federal Credit Union’s eStatements are a safe, convenient and FREE option that allows you to view, print and save your monthly Generations Federal Credit Union account statements from a secure Web site, which will take the place of your mailed paper statement. When you elect to receive eStatements, you will no longer receive paper statements through the mail and you can feel good about helping the environment too.

Q. How do I sign up for eStatements?

A. To sign up for eStatements, simply click on the “Documents” tab located within Online Banking, and select “Sign up for Electronic Statements”. Read the disclosure, type “YES”, and click “Activate Now.”

Q. Do I have to be a Online Banking user to receive eStatements?

A. Yes, you must sign up for Online Banking in order to receive eStatements. If you are not already signed up for Online Banking please click here to get started.

Q. How soon after signing up will I be able to view my statement?

A. You will be able to view the previous 12 months’ statements immediately upon signing up. If you have a new account, you will not have an eStatement until your first statement is generated.

Q. Can I receive a printed statement if my computer isn’t working or I need one for some reason?

A. Yes. You may request a printed statement by calling (210) 229-1128 (Texas toll-free 800-232-8178) during regular business hours; by contacting us via the secure “Contact Us” form on the Generations Federal Credit Union website; or by visiting any branch location. You will be charged a nominal statement copy fee of $2.00 per statement copy.

Q. Who do I call if I need assistance with eStatements?

A. If you have additional questions, comments or concerns regarding Generations online banking please contact eServices at (210) 230-9381 (8:30 a.m. to 5:30 p.m, Monday – Friday, 9 am to 1 pm, Saturday).