Membership
Conveniently located in the Cornerstone Centre at the corner of Buffalo and Wegman Roads, the Gates Chili Federal Credit Union has been providing services to members since 1964. The credit union's member-oriented practices have led to a company culture that values meeting member needs and always places members first.

There is no fee for membership. The primary savings account can be opened immediately with an initial deposit of $25 or more. “Once a member - always a member.” Membership in the credit union is maintained by keeping a minimum of $25 in a primary share account.

• Membership Eligibility:
  

  Membership eligibility is available to anyone who meets any of the following qualifications:

  • Lives in Gates or Chili
    
  • Works in Gates or Chili
    
  • Worships in Gates or Chili
    
  • Attends school in Gates or Chili
    
  • Actively volunteers in Gates or Chili
    
  • Businesses and legal entities in Gates or Chili
    
  • Spouses of persons who died while within the field of membership
    
  • Immediate family members of current members
    • Immediate family members include the following: spouse, sibling, child, grandchild, parent, grandparent
    • It is not required that immediate family members live in the same residence
      
  • Household members where one person is eligible for credit union membership
    • Household members include anyone who is a permanent member of and participates in the maintenance of the household
  
  
• Membership Advantages:
  There are many advantages to membership. Yield on savings is often higher than at other institutions, the cost of loans is generally lower, and there are many supplementary services provided.
  
  Funds from any participant in the ACH system are welcomed. Currently, electronic deposits are received from the Social Security System, other government agencies, and hundreds of employment sources. The credit union also makes hundreds of electronic payments on the behalf of its members.
  
  A unique service offered by the credit union is the opportunity to have electronic deposits automatically split into separate payments on loans and into deposits in a variety of subsidiary savings or checking accounts. In addition, the credit union's Visa® credit cards and ATM/Debit MasterCards® are honored world-wide. Information on the ATM/Debit MasterCard® can be found by clicking on the “Free Checking Account” link above.
  
  
• Discounts:
  As a credit union member, you are also eligible for a variety of special offers and discounts from select merchants. To view these discounts, click here.
  
  
• The Credit Union Difference:
  The outstanding difference with credit unions is ownership. When a member joins the credit union, they become part-owners. Staff are employees of the credit union's members. Credit union members also elect officers in a one-person, one-vote system that makes each individual member's opinion count. Further, the Board of Directors is made up of volunteers who are directly responsible to the credit union's members.

CUCUMBER Youth Savings Program
Credit Union Children Understand Money Brings Extra Rewards

To learn more about our youth savings program, click here.

Line 2000

LINE 2000 is the Gates Chili Federal Credit Union’s PIN-secured 24-hour telephone teller system. With LINE 2000 members can access their accounts anytime, day or night. In effect, LINE 2000 puts a teller in each member's home, office, car or anywhere there is a touch-tone telephone.

With this 24-hour teller, members may:

• Check share and loan balances
• Make check withdrawals
• Transfer funds
• Make loan payments
• Inquire about cleared drafts
• Check on deposits and withdrawals 
• And much, much more.

Online Banking with Bill Pay

With Online Banking, members may visibly access their credit union accounts online at anytime, day or night.

• Transfer funds to and from savings accounts and checking accounts
• Make online loan payments
• Set up recurring transfers between your accounts
• View account updates
• Download account information into Quicken or MS Money
• Pay bills directly out of your checking account
• Set up recurring bill payments
• And much more!

Enroll Online

Free Checking Account
An outstanding value...

• No minimum balance.
  
• No monthly maintenance fee.
  
• Initial box of checks are free. Affordable designer checks are available.
• Free Online Banking and Bill Pay
  
• Overdraft Protection (Cash Reserve) available:
  • Line of credit linked to checking account
  • Member savings linked to checking account
    
• Monthly statements.
  
• Direct deposit and payroll deduction. Deposits may be split among checking accounts, savings accounts and loan payments.
  
• Deposits are accepted in a variety of ways at the credit union office during business hours:
  • 24/7 at our Night Envelope Depository
  • Via U.S. Mail
  • Via Gates Chili School District Inter-office Mail (Check deposits only. Cash is not accepted.)
    
• Members may cash personal checks up to $500 from their Gates Chili Federal Credit Union checking accounts at any branch of HSBC with two acceptable forms of identification.
  
• Members may cash Gates Chili Federal Credit Union bank checks for any amount at any branch of HSBC with two acceptable forms of identification.
  
• There are no dividends paid as declared by the Board of Directors.
  
• The fees charged for special items, such as checks written on insufficient funds, are among the lowest in the area.
  
• Twelve (12) free ATM deposits, withdrawals and transfers per month. A current list of surcharge-free ATMs in the Greater Rochester area is available at the credit union office or may be accessed by clicking on “Local ATMs” on the main menu.
  
• Balance inquiries will be charged a $1 fee.

ATM/Debit MasterCard®
One of the additional benefits of opening a checking account with the Gates Chili Federal Credit Union is our ATM/Debit MasterCard® program! This program gives members easy access to the funds in their checking and savings accounts.

ATM/Debit MasterCard® Benefits:

• Free Point-of-Sale transactions.
  
• Provides immediate checking account access.
  
• Easier than writing a check and safer than carrying cash!
  
• MasterCard SecureCode® gives additional protection from unauthorized use when making online purchases.
  
• Account funds are available to members 24/7 by using their card at thousands of Cirrus, NYCE and Accel/Exchange ATMs worldwide and wherever MasterCard® is accepted.
  
• For information on specific ATM locations around the world:
  • Call toll-free from the U.S. and Canada: 1-800-4-CIRRUS
  • Visit MasterCard®’s ATM locator on its website at http://www.mastercard.com/cardholderservices/atm)
    
• A list of Greater Rochester surcharge-free ATMs is available at the credit union office.

For a listing of Frequently Asked Questions about the Debit Card program, click here

Supplementary Services

• Free Official Checks
• Electronic Funds Transfer
• Free Notary Service 
• Free Signature/Medallion Guarantee
• MasterCard Gift Cards
• Money Orders
• Domestic and Foreign Wire Transfers
• New & Used Car Value Books
• Discount Tickets to Car Washes, Movie Theatres and Area Attractions
• Matching Baby Gift 
• Online or Over-the-counter VISA Payments

Fee Schedule

* All fees are subject to change.