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 * Laker Cents Blog
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 * Laker Cents Blog
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 * Information & Contact
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Routing #
291172640

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ACCOUNTS AND SERVICES

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CREDIT CARDS AND LOANS

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About GLFFCU


ABOUT GLFFCU

Community RelationsEligibility RequirementsHistoryMisson StatementSafety and
Security
For SaleNews and Updates

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ESCANABA LOBBY: M-F 8:30-5:30, SAT 8:30-12:00 GLADSTONE LOBBY: M-F 9:00-5:00
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Great Lakes First Federal Credit Union, Online/Mobile Banking END USER AGREEMENT
Please read the following disclosure for Great Lakes First Federal Credit
Union’s Internet Banking.
Once complete, please click the button at the bottom to accept the terms and
conditions of this disclosure to continue to the Home Banking login.  
INTRODUCTION Great Lakes First Federal Credit Unions, Online/Mobile Banking is
provided as a service of Great Lakes First Federal Credit Union and permits
access to member account information and, upon request, allows account
transactions to be conducted. You are subject to the rules and regulations
governing the general use of those accounts. When you use Online/Mobile Banking
or authorize others to use it, you agree to the terms and conditions of this
agreement. Your use of Online/Mobile Banking may also be affected by the
agreements you already have with us. If you use these services or borrow from an
existing line of credit you have with us, you will be reaffirming the terms
previously disclosed to you.   For more information about your accounts with
GLFFCU, refer to our “membership agreement and disclosures” which has been
previously provided to you. If you have misplaced that agreement, please call
the credit union and we will provide you with another or it is available online
on our home page in the lower left corner “Disclosures.”   ONLINE/MOBILE BANKING
SERVICES What you will need: You will need a computer, an Internet account and
compliant browser software to use Online Banking and/or a mobile device with a
data package. The installation, maintenance, and operation of those items are
your responsibility. We are not responsible for any errors or failures of your
computer equipment or Internet connection software. Online/Mobile Banking can be
used 24 hours a day, seven days a week unless system maintenance or malfunctions
make it unavailable. The Internet address for Online/Mobile Banking is
https://www.shareteccu.com/greatlakes. At the present time, you may use
Online/Mobile Banking to:  

Transfer funds; review account balances and transaction history; change
password, and review loan information.

  From time to time, we will announce additional services, which are available
through Online/Mobile Banking. Your use of these services will constitute
acceptance of the terms and conditions presented at the time they are announced.
We reserve the right to limit access or cancel on-line access at any time.  
Great Lakes First Federal Credit Union and any other entities involved in the
design, development or operation of Online/Mobile Banking are not responsible
for loss, expense, injury, cost or damage resulting from any access obtained to
account information or any transaction conducted on any account.   ONLINE/MOBILE
BANKING SERVICE LIMITATIONS Online/Mobile Banking Limitations: The following
limitations on Online/Mobile Banking apply:  

Transfers: You may make funds transfers to your other accounts as often as you
like. You may transfer or withdraw up to the available balance in your account,
except as limited under this agreement or your deposit or loan agreements. The
Credit Union reserves the right to refuse any transaction that would draw upon
insufficient or unavailable funds, or lower an account below a required balance.
The credit union may set other limits on the amount of any transaction and you
will be notified of those limits.   Account Information: The account balance and
transaction history information may be limited to recent account information
involving your accounts. Also, the availability of funds for transfer or
withdrawal may be limited due to the processing time for any ATM deposit
transactions and our Funds Availability Policy.   E-mail: You may use the e-mail
to send messages to us. E-mail may not, however, be used to initiate a transfer
on your account or a stop payment request. The Credit Union may not immediately
receive E-mail communications that you send and the Credit Union will not take
action based on E-mail requests until the Credit Union actually receives your
message and has a reasonable opportunity to act. If you need to contact the
Credit Union immediately regarding an unauthorized transaction or stop payment
request, you may call the Credit Union at (906) 786-4623.  

SECURITY OF ACCESS CODE Initial Access: Contact the Credit Union for information
on how to receive your initial password. You will use the initial password the
very first time you log on to Online/Mobile Banking. After successfully
accessing Online/Mobile Banking you will be prompted to change your password. We
suggest for security purposes that you use at least a six digit alphanumeric
password, utilizing both Capital letters and small letters. You may change your
password at anytime by selecting the appropriate function from the menu within
Online/Mobile Banking.   Security: The personal identification number or PIN
that you select is for your security purposes. The PIN is confidential and
should not be disclosed to third parties or recorded. You are responsible for
safekeeping your PIN. You agree not to disclose or otherwise make your PIN
available to anyone not authorized by you to sign on your accounts. If you
authorize anyone to have or use your PIN, you understand that person may use
Online/Mobile Banking to review all of your account information and make account
transactions. Therefore, we are entitled to act on transaction instructions
received using your PIN and you agree that the use of your PIN will have the
same effect as your signature authorizing transactions.   Authorization: If you
authorize anyone to use your PIN in any manner, that authority will be
considered unlimited in amount and manner until you specifically revoke such
authority by notifying the Credit Union and changing your PIN immediately. You
are responsible for any transactions made by such person until you notify us
that transactions and PIN by that person are no longer authorized and your PIN
is changed. If you fail to maintain or change security of the PIN and the Credit
Union suffers a loss, we may terminate your electronic funds transfer and
account services immediately.   Member Liability: You are responsible for all
transfers you authorize using Online/Mobile Banking under this agreement. If you
permit other persons to use your PIN, you are responsible for any transactions
they authorize or conduct on any of your accounts. However, tell us at once if
you believe anyone has used your PIN and accessed your accounts without your
authority. Telephoning is the best way of keeping your possible losses down. For
Online/Mobile Banking transaction, if you tell us within two (2) business days,
you can lose no more than $50 if someone accessed your account without your
permission. If you do not tell us within two (2) business days after you learn
of the unauthorized use of your account or PIN, and if we can prove that we
could have stopped someone from using your account or PIN without your
permission, if you had told us, you could lose as much as $500. Also if your
statement shows Online/Mobile Banking transfers that you did not make, tell us
at once. If you do not tell us within sixty (60) days after the statement was
mailed to you, you may be liable for the full amount of the loss if we can prove
that we could have stopped someone from making the unauthorized transactions. If
a good reason (such as a hospital stay) kept you from telling us, we may extend
the time periods. If you believe your PIN has been lost or stolen, or that
someone has transferred or may transfer money from your account without your
permission, or if you suspect any fraudulent activating on your account, notify
the Credit Union immediately. We can be reached at (906) 786-4623, (906)
428-2363 or write us: 2110 Third Avenue North, Escanaba, MI 49829.   Fees &
Charges: There are currently no fees for accessing your accounts through
Online/Mobile Banking. We reserve the right to impose/change the fee amount, if
necessary, after providing 30 days notice to all users. We do not have any
control over fees implemented by your Internet provider.   Business Day: Our
business days are Monday through Friday except Federal holidays.   Transaction
Documentation: All transactions processed through Online/Mobile Banking will be
recorded on your periodic statement. If there is activity on the account you
will receive a monthly statement. In the event that that there is no activity on
the account, a quarterly statement may be sent.   Account Information
Disclosure: We will maintain the confidentiality and privacy of your account
information in accordance with our privacy policy as stated on our website at:
www.glffcu.com. However, we may disclose information to third parties about your
Internet Banking transfers you make in the following limited circumstances.  

As necessary to complete transfers; To verify the existence of sufficient funds
to cover specific transactions upon the authorization request of a third party
merchant; To comply with government agency or court orders; or if you give your
express permission.

  Limitation of Liability for Online/Mobile Banking: If we do no complete a
transfer to or from your account on time or in the correct amount according to
our agreement with you, we will be liable for your losses or damages. Our sole
responsibility for an error in a transfer will be to correct the error. You
agree that neither we nor the service providers shall be responsible for any
loss, property damage or loss, whether caused by the equipment, software, Credit
Union, or by Internet browser providers or by an agent or subcontractor of any
of the foregoing. Nor shall we or the service providers be responsible for any
direct, indirect, special or consequential economic or other damages arising in
any way out of the installation, download, use or maintenance of the equipment,
software, Online/Mobile Banking services or Internet browser or access software.
In this regard, although we have taken measures to provide security for
communications from you to us via Online/Mobile Banking and may have referred to
such communication as secure, we cannot and do not provide any warranty or
guarantee of such security. In states that do not allow the exclusion or
limitation of such damages, our liability is limited to the extent permitted by
applicable law. The Credit Union will not be liable for the following:  

If, through no fault of ours, you do not have enough money in your account to
make the transfer or your account is inactive.   If you used the wrong PIN or
you have not properly followed any applicable computer, or Credit Union user
instructions for making transactions.   If your computer fails or malfunctions
or the phone lines or Credit Union computer system was not properly working and
such problem should have been apparent when you attempted such transaction.   If
circumstances beyond your control (such as fire, flood, telecommunication
outages or strikes or equipment or power failure), prevent the transaction from
being processed.   If the funds in your account are subject to an administrative
hold, legal process or other claim.   I
If you have not given the Credit Union complete, correct and current
instructions so the Credit Union can process a transfer.   If an error was
caused by a system beyond the Credit Union’s control such as a
telecommunications system, an Internet service provider, any computer virus or
problems related to software not provided by the Credit Union.   If there are
other exceptions as established by the Credit Union.

  Indemnification: Except to the extent that we are liable under the terms of
this agreement or an agreement that otherwise governs your account, if you are
an owner of an account, you agree to indemnify and hold us, our directors,
officers, employees and agents harmless from all loss, liability, claims,
demands, judgments and expenses arising out of or in any way connected with an
account or the performance of an online service. This indemnification is
provided without regard to whether our claim for indemnification is due to the
use of Online/Mobile Banking by you or your authorized representative.  
Termination of Online/Mobile Banking: You agree that we may terminate this
agreement and Online/Mobile Banking, if you, or any authorized user of
Online/Mobile Banking or PIN breach this or any other agreement with us; or if
we have reason to believe that there has been an unauthorized use of your
accounts or PIN or if you conduct or attempt to conduct any fraudulent, illegal
or unlawful transaction, or if we reasonably believe your account conduct poses
an undue risk of illegality or unlawfulness. You or any other party to your
account can terminate this agreement by notifying us in writing. Termination of
service will be effective the first business day following receipt of your
written notice. Termination of this agreement will not affect the rights and
responsibilities of the parties under this agreement for transaction(s)
initiated before termination.   Notices: The Credit Union reserves the right to
change the terms and conditions upon which this service is offered. The Credit
Union will notify you at least twenty-one (21) days before the effective date of
any change as required by law. This means we will mail you notice. Use of this
service is subject to existing regulations governing the Credit Union account
and any future changes to those regulations.   Statement Errors: In case of
errors or questions about Online/Mobile Banking transactions, contact us by:
telephone at (906) 786-4623 or write us at: 2110 Third Avenue North, Escanaba,
MI 49829 as soon as you can. We must hear from you no later than sixty (60) days
after we sent the first statement on which the problem appears.  

Tell us your name and account number.   Describe the transaction you are unsure
about, and explain as clearly as you can why you believe it is an error or why
you need more information.   Tell us the dollar amount of the suspected error.  
If you tell us orally, we may require that you send us your complaint or
question in writing within 10 business days.

  We will tell you the results of our investigation within ten (10) days after
we hear from you and will correct the error promptly. For errors related to
transactions occurring within thirty (30) days after the first deposit to the
account (new account), we will tell you the results of our investigation within
twenty (20) days. If we need more time, however, we may take up to forty-five
(45) calendar days to investigate your complaint or question (ninety (90)
calendar days for new account transaction errors, or errors involving
transactions initiated outside the United States). If we decide to do this, we
will re-credit your account within ten (10) business days for the amount you
think is in error, so that you will have the use of the money during the time it
takes us to complete our investigation. If we ask you to put your complaint or
question in writing and we do not receive it within ten (10) business days, we
may not re-credit your account.   If we decide after our investigation that an
error did not occur, we will deliver or mail to you an explanation of our
findings within three (3) business days after the conclusion of our
investigation. If you request, we will provide you copies of documents (to the
extent possible without violating other members rights to privacy) relied upon
to conclude that the error did not occur.   Enforcement: You agree to be liable
to the Credit Union for any liability, loss, or expense as provided in this
agreement that the Credit Union incurs as a result of any dispute involving your
accounts or services. You authorize the Credit Union to deduct any such
liability, loss, or expense from your account without prior notice to you. This
agreement shall be governed by and construed under the laws of the state of
Michigan as applied to contracts entered into solely between residents of and to
be performed entirely in such state. In the event either party brings legal
action to enforce the agreement or collect any overdrawn funds on accounts
accessed under this agreement, the prevailing party shall be entitled, subject
to Michigan law, to payment by the other party of its reasonable attorney’s fees
and costs, including fees on any appeal, bankruptcy proceedings, and any
post-judgment collection actions if applicable. Should any one or more
provisions of this agreement be determined illegal or unenforceable in any
relevant jurisdiction, then such provision be modified by the proper court, if
possible, but only to the extent necessary to make the provision enforceable and
such modification shall not affect any other provision of this agreement.  
Cookies: Any information that we collect is stored using a cookie that is placed
on your computer. We do NOT use this cookie to collect or store personally
identifiable information about you. However, the cookie is used to track
information about how you interact with our website. It also allows our website
to be customized to meet your interests.   Children’s Online Privacy: The law
requires parental consent to collect or use information from a child under 13.
If you are a child under 13, please show this to your parents and do not use the
online services of this institution without verifiable parental consent pursuant
to the Children’s Online Privacy Protection Act.  

 * Accounts
   & Services
 * Credit Cards
   & Loans
 * Mortgage Center
 * Online Banking
   & Bill Pay


FRIENDLY FACES IN CONVENIENT PLACES

At GLFFCU, you’re not just a member. You’re family. And like family, we want to
help you save, spend and keep your finances safe.

Serving Delta County, with locations in Escanaba and Gladstone, we’re a full
service credit union, right here close to home.


WHY A CREDIT UNION?

Credit Unions are not-for-profit, and exist to serve members, rather then
maximize profits. Key differences between a Credit Union and a Bank


ACCOUNTS AND SERVICES

Share (Savings) AccountsShare Draft (Checking) AccountsHealth Savings
AccountsMoo-Lah’s Kids ClubShare Certificates
Audio TellerIRA’sDebit CardsMobiMoneyDirect Deposit
Online/Mobile BankingBill PayRemote Deposit Capturee-StatementsGift Cards
Travel Money Cardse-SignWire TransfersOther ServicesFee Schedule
News and Updates


CREDIT CARDS AND LOANS

Auto/Motorcycle/ATV LoansPersonal LoansRV/Boat LoansRecreational Vehicle
LoansOne Payment Notes
Share Secured LoansCertificate Secured LoansMortgagesHome Equity Line of
CreditCredit Cards
Debt ProtectionGAP PlusCredit ReportsSkip A PaymentFee Schedule
Payment Buster LoansMake Payment


Mobile Apps

256-Bit
Secure
NCUA
Insured
Third-Party
Tested
Real Time
Fraud Alerts
News and Updates
 * News and Updates


The Laker


Click the link below to view the latest edition of our quarterly newsletter, The
Laker! Q1

 * News and Updates


2024-2025 Scholarship


2024-2025 Scholarship Packet

Laker Cents Blog



Loan APR as low as:*
6.00%




7.15%


6.50%


7.50%


6.90%

*APR is Annual Percentage Rate. Application and other fees may apply. Subject to
approval.


 



 







LOCATIONS


ESCANABA

2110 Third Avenue North
Escanaba MI 49829 P: (906) 786-4623
F: (906) 786-6724 escanaba@glffcu.com


GLADSTONE

1005 Delta Avenue
Gladstone MI 49837 P: (906) 428-2362
F: (906) 428-3404  

NCUA - Your savings federally insured to at least $250,000 and backed by the
full faith and credit of the United States Government. National Credit Union
Administration, a U.S. Government agency.

Equal Housing Lender - We do business in accordance with the Fair Housing Law
and Equal Opportunity Credit Act.






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