New Online and Mobile Banking

Online and Mobile Banking are about to get simpler and better.

First, here’s what we're improving:

  • One username and one password to access all your Gain accounts
  • Card Controls now accessible from your desktop computer
  • Enhanced alert options, including push notifications to your mobile device
  • More intuitive, “at-a-glance” layout
  • New compatibility with Mint and QuickBooks®

Gain FCU online banking interface

Registration Guide

If you'd like to get straight to registration, we've prepared a special guide to get you started. 

Registration Guide

11 Things You MUST Know

1) New Online and Mobile Banking will be activated on October 20, 2020.

2) You will need to reactivate your Online and Mobile Banking access.

The improved security and additional features of our new Online and Mobile Banking require you to re-enroll in our system on or after October 20, 2020.

3) You must know your member number and email address to activate your access.

If you do not know your member number click here for instructions. Your email address will be used as part of the verification. If you are presented with an email you do not wish to use or do not have an email on file, you will have to reach out to our Contact Center or visit a branch to have your email address manually changed. All of our contact options are listed at GainFCU.com/Contact.

4) You will need to choose a username.

Usernames will be available on a first come-first serve basis. The sooner you enroll, the better the chance you’ll get the username you want.

5) There is no overlap of the old and new online banking platforms.

The current Online and Mobile Banking will cease on October 20. You must register on the new system to access your accounts. You may still update your contact information in the old system until that date. 

6) Bill Pay will be unavailable October 16 - 20.

To allow for this switchover, Bill Pay will be unavailable from October 16 until the new platform goes live on October 20. Bill Pay payments that are scheduled to be processed during this time will NOT be processed and the payment controls will NOT be accessible. These will need to be paid manually or sent from the new system after October 20.

7) Money Mover will be replaced beginning October 20.

Our Online Banking external transfer system, Money Mover, will be retired and inaccessible beginning October 19. It will be replaced with External Transfers under the "Transfers & Payments" section when the new Online Banking platform is launched.

IMPORTANT: Stored payee information from Money Mover will be available immediately in the new system. However, recurring payments will need to be rescheduled using the new tool. Transactions originated by external, third parties will not be affected.

8) Internet Explorer will not be compatible with this new platform.

Microsoft ended support for Internet Explorer on 1/12/16. Therefore, IE will not be compatible with our new Online Banking platform. You can use Safari, Firefox, Microsoft Edge, or Google Chrome.

9) You will need to download your Quicken accounting data before October 19 and reestablish Quicken access on the new system after October 26.

Quicken connectivity will be unavailable from October 20 through October 26. Before October 19, you must download your Quicken data by following the instructions below. After October 26, you will need to reestablish your Quicken connection on the new system. 

Click here for complete instructions for re-linking your Quicken account.

We'll also be introducing new compatibility with Mint and QuickBooks®.

10) Mobile Alert settings will not carry over.

You will need to delete your mobile device from alerts on our previous online banking system before setting up alerts on our New Online and Mobile Banking platform.

To delete your mobile device, text "STOP" to 86020. After doing so, you can set up new alerts in online banking under Messages & Alerts or in the mobile app under Manage Alerts.

11) Bookmark this page.

It will serve as the central resource for all things relating to our new Online and Mobile Banking platform as we approach the launch. We look forward to sharing it with you!

two kittens register for online banking

Frequently Asked Questions

General Questions

  • Why is Gain’s Online Banking changing?

    We know simple is better. That's why we are introducing a new Online Banking platform. Our new Online Banking aligns and simplifies your online and mobile banking experiences. With the exception of Mobile Deposit, all features and services will be available both online and through the mobile app.

  • What's new?

    We are excited to introduce new online banking features to help you better manage your accounts including:

    • A single, centralized profile that gives you access to all of your Gain accounts (including joint accounts) in one place
    • Card controls on both desktop and mobile that makes it easier than ever to turn your Gain Debit and Credit cards on and off
    • More intuitive and user-friendly navigation
    • Ability to enroll from your computer or your mobile device
    • Ability to reset your password and update your profile from your computer or your mobile device
    • Access to Bill Pay and e-Statements for all accounts through a single sign-in
    • Additional alert options, including push notifications on your mobile device
    • Improvements to transaction history allowing for better insights into spending and saving
    • Do more in the mobile app such as updating your contact information and adding payees in Bill Pay
    • Quick login feature for online banking with the ability to authenticate through your mobile device

    In addition, the following features will now be available in our Mobile App:

    • Enroll in Mobile or Online Banking
    • Retrieve your username or password
    • Richer account details than ever before
    • Schedule transfers and review external transfer activity
    • Access to past eStatements
    • The new Friends & Family feature lets you add additional users with ease
    • Year End Information summarizes your financial history
    • Apple Pay and Siri compatibility (only for iOS)
    • Secure messages and alert management at your fingertips
    • Mobile controls for your Username, Password, Challenge Questions, Security Phrase, Security Image, Contact Information and Automatic Log-off settings
  • How will the change impact me?

    The new platform is member-based instead of account-based. This means your login username and password will allow access to any account on which you are listed as either a primary or joint account holder. Because of this, all members must register even if they previously used online or mobile banking. Please record your member number in preparation for the change as it will be the key to linking your current accounts to your profile.


    Some members may need to execute Bill Payments manually during the transition and will be contacted individually.

  • How will it work differently for joint account holders?

    Each owner of a joint account will have their own login and profile. After the upgrade, you will automatically have access to accounts you are joint on and will be able to view all of your Gain accounts through a single login.

  • When will the old online banking platform stop working?

    On October 20, 2020, we will fully move to the new platform and the existing online banking platform will no longer be accessible. There will be no transitional period between systems. As we switch platforms, there will be a brief period the evening of October 19 and the morning of October 20 where neither platform will be accessible.

    In addition, Bill Pay will be unavailable starting from October 16 until the new platform goes live on October 20. Bill Pay payments that are scheduled to be processed during this time will NOT be processed and the payment controls will NOT be accessible. These will need to be sent from the new system after October 20. Members with recurring payments will be notified individually to make alternative payment arrangements. 

  • Will I need to download a new mobile app?

    You will not need to download a new mobile app, but you will need to update the one you have.

    There will be an update to your current app. If you have automatic updates set up on your phone, you will not have to do anything. If you do not have automatic updates on your phone, you will need to visit the App Store or Google Play Store to update to the newest app version.

  • What web browsers can I use?

    Our new platform will support most up-to-date browsers such as Safari, Mozilla Firefox, Google Chrome and Edge.
    As Microsoft is ending support for Internet Explorer, we no longer support Internet Explorer.

Registration

  • Will my username / user ID change?

    Yes. Since the new platform is member-based, everyone will need to register a new profile. Unfortunately, we cannot reserve usernames for anyone. The sooner you register, the more likely you will be able to use the username of your choosing.

    The requirements for usernames are as follows:

    • Must be  6 - 20 characters in length
    • Must not contain social security number, account or member number or birthdate
    • Can contain letters or numbers, but special characters are not allowed
    • Must not be a part of an existing username or any previous usernames
  • Will my password change?

    You will be required to select a password at the time of registration. We encourage you to select a new password, but you are not restricted from using your previous online banking password as long as it meets the requirements below:

    • 8-character minimum
    • Maximum 40 characters
    • Must not contain SSN
    • Must not contain account or member number
    • Must not contain username
    • Must not contain birthdate
    • At least one character must be alphabetic
      • Lowercase characters
      • Uppercase characters
      • Numeric characters
      • Special characters
  • What will I need in order to register?

    You will need your member number and personal information (e.g. birthdate and Social Security number) to register. You will also need to know the type(s) of loan(s) you have with us. If you do not know your member number click here for instructions.

    A verification email will be sent to your email address associated to your account. You will need to click on the email verification link to activate your new login.

    A one-time PIN will be sent via text or e-mail the first time you login to the new platform. It is important to ensure we have your correct information, so you are not delayed.

  • How do I find my member number?
    • Your member number is on the Signature Card you received at the time you opened your Gain account. Online signups can find their member number on the Signature Card portion of their membership materials (submitted via DocuSign).
    • You may know your member number if you were a user of our previous online banking platform as it was used as your User ID.
    • Until October 20, you can find your member number in Gain’s current online banking. Under ‘Account Information’, select Routing & Account Numbers.
    • Until October 20, your member number can be found in our mobile app. In the left-hand menu, click “Credit Score & More”, then select Routing & Account Numbers.
    • If you require assistance in finding your member number, call us at (818) 846-1710 or toll-free at (800) 622-3328.
  • The contact information listed on my account is incorrect. What do I do?

    Prior to October 20, you can call us, or you can login to Gain’s online banking and update your contact information by clicking on the "Profile" link at the top of the page.

    After October 20, you will need to call us at (818) 846-1710 or toll-free at (800) 622-3328. to update your contact information.

    A one-time PIN will be sent via text or e-mail the first time you log into Online Banking. It is important to ensure we have your correct information, so you are not delayed.

  • What if my preferred email is not used for verification?

    During the registration process, we will be using the email address that we have associated with your account as part of the verification process. If you are presented with an email you do not wish to use or no email, please reach out to our Contact Center or visit a branch to have your email address manually changed. All of our contact options are listed at GainFCU.com/Contact.

Login

  • How do I log in for the first time?

    When you log in for the first time after your account is activated, or from a new device, you will be asked to have a one-time PIN delivered to you via email or text message. Simply retrieve the PIN and input it to finish logging in. Please note: You must register before attempting to log in.

  • How can I log in using my fingerprint or facial recognition?

    First, you must have the Gain mobile app installed on your device. Then, you must enable fingerprint or facial recognition under Settings. Once you do so, you can then use your fingerprint or facial recognition to log in to the mobile app or online banking via Quick Login.

Manage Alerts

  • Will I need to re-enroll my mobile device?

    Yes. You will need to delete your mobile device from alerts on our previous online banking system before setting up alerts on our New Online and Mobile Banking platform.

    To delete your mobile device, text "STOP" to 86020. After doing so, you can set up new alerts in online banking under Messages & Alerts or in the mobile app under Manage Alerts.

Transfer Money and Make Payments

  • Will the transfers and payments that I had set up in the previous system carry over?

    No.

    Our Online Banking external transfer system, Money Mover, will be retired and inaccessible beginning October 19. It will be replaced with External Transfers under the "Transfers & Payments" section when the new Online Banking platform is launched.

    IMPORTANT: Stored payee information from Money Mover will be available immediately in the new system. However, recurring payments will need to be rescheduled using the new tool. Transactions originated by external, third parties will not be affected.

  • How do I transfer money between my accounts on the same membership?

    In online banking, select Transfers & Payments from the left-hand navigation. On the Make a Transfer or Payment screen, you will need to select where the money is coming from (section 1) and then where you want the money to go to (section 2). Once you do that, you will be able to specify how much you want to transfer and when (section 3).

    In the mobile app, select Transfer Money from the left-hand or pop-up. Then, select where the money is coming from and where you want the money to go to from the dropdowns. Once you do that, you will be able to specify how much you want to transfer and when.

  • Can I transfer money to another Gain member?

    Yes. Simply follow the steps for performing a transfer and, when you select where you want the money to go to, select Another Member from the bottom of the list of accounts. To send money to another Gain member, you will need to know their account number and last name.

  • Can I transfer money to my external, non-Gain account?

    Yes. Simply follow the steps for performing a transfer and, when you select where you want the money to go to, select An External Account from the bottom of the list of accounts. In order to send money to an external account, you first must link the external account. You will need to know the bank name, routing number, account number, and type of account. The external account must be verified prior to allowing any transfers to or from the external account. We verify the account by making two small deposits to confirm it is yours. The deposits typically appear within 48 hours.

  • How can I use a Share or Loan ID to make a transfer to a specifc account?

    When you know the Share or Loan ID for the account you would like to transfer money with, you can enter that in the Transfers & Payments interface. Select, 'I know share/loan ID'.  The format is X:XX where the first character represents the account type (share or loan) and the second is the account number. (ex: for share 20 enter S:20 or for loan 1 enter L:01 - If you don't know the ID then select the other option above and we will send the transfer to the first available checking share on that account).

  • How do I make a loan payment?

    In online banking, select Transfers & Payments from the left-hand navigation. On the Make a Transfer or Payment screen, you will need to select where the money is coming from (section 1) and then select which loan you would like to pay (section 2). Once you do that, you will be able to specify how much you want to transfer and when (section 3).

    In the mobile app, select Transfers from the left-hand or pop-up menus. Then, select where the money is coming from and which loan you would like to pay from the dropdowns. Once you do that, you will be able to specify how much you want to transfer and when.

  • Can I set up automated loan payments?

    Yes. Automated loan payments can be set up in online banking. Simply follow the steps for performing a transfer and select Recurring Transfer after you specify how much you want to pay (section 3). You can then choose when you want your payments to start, how frequently you want to make payments, and when you want them to end.

  • How can I get a pay-off for my loan?

    You can get same-day loan payoff information from the Accounts Overview screen. Click the loan account you want to get more information on. You will then see an option for “Pay Off.” This quote will include all accrued interest and is valid for same-day payoff amounts only.

  • Is Bill Pay changing?

    Yes, but you will still be able to access Bill Pay from both online and mobile banking. All payees and payments currently set up will remain. The only change to Bill Pay is now you will be able to add payees via the mobile app.

    In addition, Bill Pay will be unavailable from October 16 until our new Online Banking system goes live on October 20. Bill Pay payments that are scheduled to be processed during this time will NOT be processed and the payment controls will NOT be accessible. These will need to be sent from the new system after October 20. Members with recurring payments will be notified individually to make alternative payment arrangements.  

How To Find Your Member Number

Your member number is a short number that uniquely identifies you as a Gain member. Though your member number is not the same as your various account numbers (savings, checking, loans, etc...), your member number can often be found as part of your various account numbers.

For example, if your member number is "1234," your primary savings account number would be "1000000001234."

Example Savings Account Number: 1000000001234
Example Member Number: 1234

When you sign up for the new system, it is very important that you use the shorter member number. 

Here are the places you can find your member number:

  • Your member number is on the Signature Card you received at the time you opened your Gain account. Online signups can find their member number on the Signature Card portion of their membership materials (submitted via DocuSign).
  • You may know your member number if you were a user of our previous online banking platform as it was used as your User ID.
  • If you require assistance in finding your member number, call us at (818) 846-1710 or toll-free at (800) 622-3328.

Attention Quicken Users

Gain Federal Credit Union is migrating to a new online and mobile banking system on October 20th, 2020. This upgrade will require that you make changes to your Quicken account, so please take action to ensure a smooth transition.

Please download the instructions below and take note of the Action Dates listed below.

Download Quicken Conversion Instructions

1st Action Date: October 19, 2020

A data file backup and a final transaction download should be completed by this date. Please make sure to complete the final download from Quicken before this date since trasaction history might not be available after the upgrade.

2nd Action Date: October 26, 2020

This is the action date for the remaining steps on the conversion instructions. You will complete the deactivate/reactivate of your online banking connection from within Quicken to ensure that you get your current Quicken accounts set up with the new connection. 

Intuit aggregation services may be interrupted for up to 3-5 business days.

Users are encouraged to download a QFX/QBO file during this outage. Quicken Win/Mac Express Web Connect services may not work during the outage:

Please carefully review your downloaded transactions after completing the migration instructions to ensure no transactions were duplicated or missed on the register.

If you have any questions, please contact us at (818) 846-1710.