How to Get Help

We provide instant credit up to $1,000 for all checks you deposit, no matter how you deposit them. Whether you are making a deposit through shared branching, an ATM, mobile deposit or at our Riverfront location, you will receive credit quickly. There are few exceptions to this immediate credit of your funds, but we do reserve the right to hold funds at our discretion for the maximum amount of 11 business days, allowed by law.

There is no hold for direct deposit funds. Direct deposits of payroll are available immediately for the full amount.

To view your current available balance, please log in to online banking and enter your username and password. The first screen will show your account summary with the available balances in all of your accounts. If you do not know your username and password, please call us at 800-317-3095 or email us at credit_union@gallupfcu.com to reset this information. You can also download our mobile app, "Gallup FCU Mobile," to view your account history quickly from your phone or mobile device.

If you have recently made a deposit at our location, a shared branching location, an ATM or through our mobile application and it was greater than $1,000, the amount over $1,000 will be placed on a hold for three business days.

Gallup FCU places no holds on direct deposits. Any delay in receiving your direct deposit means we have not yet received it from your employer. If we receive those funds in advance of your payday, they will be made available to you immediately.

Direct deposits are made available daily by 8 a.m. If you have recently made a deposit of more than $1,000 at our location, a shared branching location, an ATM or through our mobile app, the amount over $1,000 will be placed on a hold for three business days.

If you are a Gallup employee, simply enter your Gallup FCU routing and account numbers into Gallup's Oracle Cloud platform and you are all set. For other direct deposits, please provide your employer with your Gallup FCU routing and account numbers.

Membership is open to all full- and part-time Gallup employees and their immediate family members. Your membership can continue even if you move, change employment or retire -- once a member, always a member.

Immediate family and household members (including roommates) of current Gallup FCU members are eligible to join. Immediate family includes:

• parents
• grandparents
• spouses
• siblings
• children (including adopted and stepchildren)
• grandchildren

You can do this quickly and easily by accessing our online locator. Our Shared Branch Locator requires only a ZIP code to locate the branches that are most convenient to you. With more than 5,000 branches nationwide, chances are you will find one close to your home or work.

You can find one quickly and easily by accessing our online ATM Locator. You have access to 30,000 surcharge-free ATMs across the nation. The locator requires only a ZIP code to locate the surcharge-free ATMs that are closest and most convenient to you.

DocuSign is the leading eSignature solution in the market -- allowing easy, efficient and secure signing of electronic documents. It's accessible anytime, anywhere, on any device. We use this source for different documentation you may need to sign, such as loan documents and member applications. This helps us reduce paper while adding an extra measure of convenience for our members.

You can make transfers between your Gallup FCU accounts within online banking. Log in, hover over "Accounts," and select "Transfers." You will be able to select both the "from" and "to" accounts from a drop-down list. Include the amount you wish to transfer and select "Continue" to complete the transfer.

To pay an individual electronically, you must be an online Gallup FCU Bill Pay user. You would simply set up a payee with their name and address, and a check will be cut and mailed directly to them from this service.

We offer many solutions for remote access, so no matter where you live, banking with Gallup FCU can be easy.

Option 1. Shared branching is a complete solution to any teller transaction need you might have. We provide access to more than 5,000 shared branch locations across the country. Click here to find a shared branch that is convenient for you.

Option 2. Online banking provides you with access to many services that would at times use a teller to complete. These include transfers, check withdrawals, viewing account balance and history, and retrieving statements.

Option 3. Our mobile app will allow you to make transfers, deposit checks with the click of a button, and locate the nearest shared branch or ATM. To download this app, search "Gallup FCU Mobile" in the iOS app or Google Play store.

Option 4. ATM access can be found by using our surcharge-free ATM Locator.

Membership is open to all full- and part-time Gallup associates and their immediate family members. Immediate family members include parents, grandparents, children, grandchildren, siblings and those living in the same household.

To unlock your account, please call us at 800-317-3095 or email us at credit_union@gallupfcu.com.

If you enter an incorrect username and/or password three times, the system will lock you out. Prior to your third attempt, you have the option to select "forgot my password" beneath the login area. You will need to know your username or member ID to have a temporary password emailed to the email address we have on record for you.

The first thing you should do if you notice fraudulent charges is cancel your card immediately by calling us at 800-317-3095 or through the lost/stolen number at 800-554-8969. (The system will ask for your full SSN to verify your identity.)

We provide instant credit up to $1,000 for all checks you deposit, no matter how you deposit them. Whether you are making a deposit through shared branching, an ATM, mobile deposit or at our Riverfront location, you will be able to receive credit quickly. There are few exceptions to this immediate credit of your funds, but we do reserve the right to hold funds at our discretion for the maximum amount of 11 business days, allowed by law.