Pandemic Response Update

Gateway Metro Federal Credit Union, in conjunction with other local credit unions, has been closely monitoring the developing information related to the Coronavirus (COVID-19). It is important to us to provide a safe and healthy work environment to members, staff and possible guests while providing the financial services you need. Following the most recent guidelines, we have determined we will restrict branch access to minimal traffic by limiting access to appointment only members beginning Monday, March 23rd, 2020. (Our Lemay Ferry location will be ATM only access beginning March 20th, 2020.) We plan to monitor the situation and resume full branch access as soon as public health conditions allow.

You may schedule an appointment online using our ‘Request an Appointment’ feature. A Member Service Representative will be closely monitoring this and will contact you back to discuss your request. You may also contact us via email at memberserv@gmcu.org or through secure email within Virtual Branch. And, of course, our Solution Center will be available during regular business hours to answer your questions and help assist with your financial needs. Please be aware due to limiting branch access and to ensure members can conduct business that cannot be carried out remotely, you will be asked to answer some questions about your needs before an appointment will be scheduled. If you are exhibiting any symptoms such as a fever, please avoid scheduling an appointment. Speak with a representative and we will work with you as best we can to accomplish your goals. If you are wearing a medical face mask for your personal protection, you will be asked to briefly remove it so we can see your face for our employees’ safety. You may then reapply the mask before conducting any business.

Alternate Forms of Access

We would appreciate for your safety and ours, regardless of symptoms, that you try to complete your banking needs through other forms of access rather than physically entering a branch.

  • Use online banking and our mobile banking app to check balances, transfer money, pay bills and a variety of other services.
  • During regular business hours, speak to a representative in our Solution Center by calling (314)621-4575 or (800)621-4828.
  • Access your account by phone anytime day or night with our Audio Line at (888)763-7471. Your phone PIN is required. A phone PIN can be reissued upon request by contacting our Solution Center.
  • Use our drive-up services at select locations.
    • Drive-Up Windows and ATM: St Peters & Twin Oaks
    • Drive-Up ITM/ATM: Shiloh, IL. ITM has “Talk to Teller” technology so you can speak with one of our MSRs through the machine. ITM service is available during regular business hours

In preparation for limited services at Gateway Metro here are a few things you may want to do.

  • Enroll in online banking to gain access to your accounts from home 24/7.
  • Get a debit card for your account. You will be able to make deposits, pay for purchases and get cash through an ATM/ITM without the need to come into a branch.
  • Download the Gateway Metro app for Apple and Android devices. You can deposit checks using the remote check deposit feature rather than going to a branch to deposit your check. (The deposit function does require an application which can be printed from our website.)
  • Sign up for direct deposit if your employer offers it so your payroll check goes straight to your Gateway Metro account.
  • Access your safe deposit box if there in anything you might need in the next few weeks.
  • · Consider using one of these options to make loan payments.
    • Online Banking: www.gogmfcu.org
    • Mobile Banking: Download on the Apple App Store | Download on the Google Play Store
    • Freedom 24 Audio Response Line: (888)763-7471
    • Drop box locations: North, St Peters, Twin Oaks, and South* (*South: This location will be checked only once per day Mon-Fri at 8am. Transactions after 8am will be posted the following business day.)
    • Mail Payments: P.O. Box 1020, St Louis, MO 63188-1020
    • Online payment from another institution by ACH or Debit Card: Pay via Payment Vision
    • Use our Automated phone system to pay by ACH or Debit Card from another institution 314-621-4575 option 1 or 800-621-4828 option 2

Specific Branch Information

St Peters – 1421 Jungermann Rd, St Peters, MO 63376

  • Drive-Up GMFCU & Shared Branch Members
  • ATM
  • Drop Box (will be checked during business hours)
  • Lobby Access by Appointment Only

Twin Oaks – 840 Meramec Station Rd, Twin Oaks, MO 63088

  • Drive-Up GMFCU & Shared Branch Members
  • ATM
  • Drop Box (will be checked during business hours)
  • Lobby Access by Appointment Only

Shiloh – 848 N Green Mount Rd, Shiloh, IL 62221

  • ITM Access for GMFCU Members Only
  • ATM
  • Lobby Access by Appointment Only

North – 2129 Charbonier Rd, Florissant, MO 63031

  • ATM
  • Drop Box (will be checked during business hours)
  • Lobby Access by Appointment Only

Downtown – 215 N 10th Street, St Louis, MO 63101

  • ATM (at 1001 Pine Location)
  • Lobby Access by Appointment Only

Affton – 35 Grasso Plaza, Affton, MO 63123

  • ATM
  • Lobby Access by Appointment Only

South – 4566 Lemay Ferry Rd, St Louis, MO 63129

  • ATM only access beginning Friday, March 20th, 2020
  • No appointments available.
  • Drop Box available for deposits and loan payments. This location will be checked only once per day Mon-Fri at 8am. Transactions after 8am will be posted the following business day.

Frequently Asked Questions

Q: ARE EMPLOYEES IN BRANCHES HEALTHY?

A: Yes. Employees are given paid sick days and have been instructed to stay home if they are sick. We have our employee and member safety as our highest priority.

Q: WHAT IF I AM SHOWING SYMPTOMS?

A: If you are showing any symptoms of illness, we ask that you please do not ask to enter a branch in order to protect our employees and to lessen the spread of illness. Contact a Member Service Representative by phone or online for suggestions on completing the necessary transaction.

Q: IS THE CASH SANITIZED BEFORE GIVEN TO THE MEMBER?

A: No. We are unable to ‘sanitize’ currency before it is given to members. We recommend additional hand washing when handling cash. We try to provide hand sanitizer at each branch for your convenience.

Q: ARE YOU GOING TO CLOSE YOUR BRANCHES?

A: At this time we do not plan on completely closing any branches, but lobbies will have restricted access starting Monday, March 23, 2020. We will be allowing access by appointment only at most locations for services that cannot be performed remotely. Once again, please be aware due to limiting branch access that you may need to answer some questions before being granted an appointment. If you are wearing a medical face mask, you will be asked to briefly remove it so we can see your face for our employees’ safety. You may then reapply the mask before conducting any business.

Please try to utilize ITM/ATMS, drive-ups, and online services as much as possible. Any additional changes to our operations will be posted here on our website.

Q: IF BRANCH LOCATIONS ARE CLOSED WILL ALL MY DIRECT DEPOSIT AND AUTOMATIC PAYMENTS STILL BE MADE?

A: Yes. All automatic transactions will be processed with no anticipated interruption.

Q: IF A MEMBER IS FINANCIALLY IMPACTED DUE TO LOSS OF WORK OR PAY ARE THEY STILL EXPECTED TO MAKE THEIR LOAN PAYMENTS?

A: Loan payments are expected by their payment due date, but extenuating circumstances will be reviewed on a case-by-case basis. Please contact our Members Financial Counseling department to discuss your situation further. We understand the current situation offers different challenges for different members. Our team is prepared to discuss your individual situation and determine a workable solution.

Q: IF BRANCHES COMPLETELY CLOSE HOW WILL I GET CASH?

A: You can use an ATM or get cash back with your debit card at most retailers.

Q: IS SHARED BRANCH STILL AVAILABLE TO GATEWAY METRO MEMBERS?

A: At this uncertain time, each institution is making individual decisions on whether they will continue to offer Shared Branch services. If in the St. Louis Metro area, we encourage you to contact us to discuss your transaction needs before visiting a Shared Branch location. This will help prevent possible delays and allow us to make suggestions based on your individual circumstance.

Q: WILL YOU STILL SERVICE SHARED BRANCH MEMBERS?

A: Shared Branch members will not be able to gain access to our branch lobbies. We recommend Shared Branch users utilize our ATMs, if part of the CO-OP ATM Network. During this time, we will allow Shared Branch transactions at our drive-up windows located at our Twin Oaks and St Peters locations. We will also continue to accept Shared Branch deposits and loan payments through the drop box at our North County location. A shared branch transaction slip will be needed for any transactions. And a photo id will be required for withdrawals made through the drive-ups.

Q: CAN I WITHDRAW AS MUCH CASH AS I WANT?

A: We will continue our standard withdrawal practices. Our standard is a limit of $1,500 cash withdrawal for members and Shared Branch has a limit of $500. For your own safety we do not recommend you withdraw large amounts of cash. Your deposits are insured by the NCUA so your money is safest here in your account. If you are a member and still wish to make a large withdrawal, please advise your branch at least 24 hours in advance so they have sufficient cash. There are no exceptions for Shared Branch. The limit will remain at $500.

Q: HOW MUCH CASH CAN I GET FROM AN ATM?

A: ATM Withdrawal limits are not changing. The standard withdrawal limit is $510 per 24 hour period from your account (including any ATM fees). However, ATMs may have varying limits of how much they will dispense in one transaction. So, it may require multiple transactions to withdraw the full amount.

Q: WHAT SHOULD I DO IF I HAVE AN ISSUE WITH ONLINE BANKING OR MY DEBIT CARD AND YOU ARE CLOSED?

A: Extended hours are available for some services using the following contact information.

  • Freedom 24 Audio Response Line: (888)763-7471
  • Virtual Branch Customer Service: (888)887-3188
  • After-Hours Loan Processing: (800)801-1353
  • Report Lost/Stolen Debit Card: (800)472-3272
  • Debit Card Customer Service (outside U.S): (800)554-8969
  • Credit Card Customer Service: (800)558-3424

Q: HOW CAN I STAY UP TO DATE WITH WHAT IS HAPPENING WITH GATEWAY METRO?

A: Follow us on social media and website to receive Pandemic Response updates.

Facebook | Twitter | www.GoGMFCU.org

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