Digital Tools to Make Life Easier

Life moves fast. So fast that you’ve likely already spent about ten seconds reading to this point. What could you have done in that same amount of time? The answer is A LOT if you’re putting our various digital banking tools to work for you.

Managing your money should be quick, convenient, and secure. Your accounts should be accessible whether you’re at home, at work, on vacation, or on the go. That’s why your credit union offers a full suite of digital tools – to allow you to transfer funds, make deposits, or check balances – without missing a beat in your daily life.

Let’s take a closer look at the many tools available and highlight specific features that will help keep your finances running smoothly – anytime, anywhere.

Online Banking

Think of online banking as your own personal branch that’s open 24/7, ready to serve you anywhere you have an internet connection. You can perform a variety of banking tasks with a few clicks of your mouse, including:

• Checking Account Balances

• Tracking Transactions

• Transferring Funds

• Making Loan Payments

• Paying Bills

• Enabling eAlerts & Notifications

• Locating a Branch or ATM

• Viewing Current & Past eStatements

• Sending Secure Messages to the Credit Union

• And much more!

Online banking serves as the hub for all your account’s activity and allows you to conduct most routine banking tasks quickly, conveniently, and most importantly, securely.

Mobile Banking

If you thought online banking was convenient, just wait until you download our free mobile app. Mobile banking is like always having your very own teller with you. You can perform most routine banking tasks, but with the added convenience of being on the go.

• Review your account balance before checking out at the store.

• Transfer funds while waiting in line at the coffee shop.

• Pay bills during your lunch break.

• Send money to your teenager while you’re out at dinner with friends.

Mobile banking puts control of your accounts in your hands – literally!

You can easily download our free mobile app from your device’s app store. Then, log in using your online banking credentials to get started.

NOTE: You must be enrolled in online banking before you can sign in to mobile banking. If you do not have online access yet, please contact us to set up your account.

eAlerts & Notifications

Daily life is hectic. Whether it’s commuting to work, dropping the kids off at school, or picking them up from practice, something is always on your to-do list. But with eAlerts and notifications enabled, nothing will slip through the cracks, financially speaking.

Set up eAlerts to get notified when:

• Your account balance is low.

• A deposit is posted to your account.

• An ACH or direct deposit is received.

• Funds are withdrawn at an ATM.

• A large transaction is detected.

• Your loan and bill payments are upcoming.

• And many more!

Never miss a beat when it comes to managing your money with eAlerts and mobile notifications. You can choose your alert types and set preferences within online and mobile banking.

eStatements

Cut down on paper clutter and keep your account information secure with free eStatements. Switching to eStatements only takes a few moments in online banking or through our mobile app. Once enrolled, you will receive an email letting you know your statement is ready to view.

eStatements are available sooner than mailed paper statements, are safer for the environment, and they eliminate the threat of your statement being lost in the mail or falling into the hands of the wrong person.

Plus, you have access to past eStatements via online or mobile banking. Whether you’re applying for a loan, disputing a transaction, or filing taxes, you can easily locate, view, download, or print archived statements.

Online Bill Pay

No one enjoys juggling multiple bills, loans, and credit card payments monthly. And don’t forget about the fun “convenience fees” many businesses charge when you pay online. Instead, never worry about missing a payment with online bill pay.

This service allows you to schedule one-time or recurring payments, set upcoming due date reminders, and track your payment history. You can easily set up and manage bill pay through online or mobile banking, making it a smarter way to keep your bills organized and ensure your payments are submitted on time.

Remote Check Deposit

The days of driving to a branch and waiting in line to deposit a check are over! With remote check deposit in our free mobile app, you can instantly deposit checks anytime, anywhere.

Simply open the app, click to deposit a check, and follow the on-screen prompts to submit a picture of your check with your mobile device. It’s really that easy!

Card Controls

Take charge of your credit union debit and credit cards with card controls, available through Online or Mobile Banking. If your card is misplaced or stolen, you can temporarily lock it and then unlock it once you’ve found it. If the card doesn’t turn up and you suspect it’s stolen, you can deactivate the card and request a new one.

You can also set spending limits, restrict transaction types, and receive instant alerts. Enjoy greater control over your cards and your finances.

Direct Deposit

Say goodbye to standing in line with direct deposit. No more waiting around to pick up a paper check from your employer or visiting a branch to deposit it. With direct deposit, your money arrives automatically in your account on payday, and the funds are immediately available. Plus, there’s no risk of your money being lost in the mail or stolen like with paper checks.

To get started with direct deposit, all you’ll need is:

• The credit union’s name & address

• The credit union’s routing number

• Your credit union account number

• Your preferred account suffix (Checking or Savings)

All the above information can be located within online banking or our mobile app. An even easier option is to provide a voided check to your employer’s payroll department.

Payroll Deduction 

Make your money do even more by combining payroll deduction with direct deposit. Payroll deduction is another free service provided by the credit union that allows you to automatically and instantly distribute your paycheck across multiple accounts.

You can choose specific dollar amounts if your paychecks are relatively consistent or use percentages to allocate between accounts. For example, you might distribute your paycheck as:

• 80% of your paycheck goes into your Checking Account

• 10% is deposited into your Savings Account

• 5% in your Money Market Account

• 5% goes toward your IRA

By combining payroll deduction with direct deposit, you can put your finances on autopilot and grow your savings without lifting a finger.

Financial Calculators 

Are you trying to create a plan to pay off debt quickly? Or perhaps you’re budgeting for a big purchase like a car or home? Our free online financial calculators can help you crunch the numbers and plan for your goals.

Whether you’re estimating your monthly loan payments, planning for retirement, building a debt reduction plan, or more, our online calculators can help you run the numbers, explore different pricing options, and make more informed financial decisions.

We’re Here to Help!

As your credit union, our goal is to make managing your finances simple, secure, and convenient. If you haven’t yet explored all our digital tools, now is the perfect time to start. From paying bills to depositing funds with your mobile phone, and everything in between, all the tools you need to manage your money on your schedule are right at your fingertips. Please stop by any of our convenient branch locations or call 248-322-9800 extension 5 to speak with a team member today.

 

© Genisys Credit Union and www.genisyscu.org, 2025. Unauthorized use and/or duplication of this material without express and written permission from this site’s author and/or owner is strictly prohibited.  Excerpts and links may be used, provided that full and clear credit is given to Genisys Credit Union and www.genisyscu.org with appropriate and specific direction to the original content.

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