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.
  
  
• 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 Savings Program
Credit Union Children Understand Money Brings Extra Rewards

Children are saving more than ever and they are rewarded great prizes with the CUCUMBER savings program. Children ages 1 - 12 are eligible to open a CUCUMBER account with a minimum of a $25 deposit. Upon opening the account the child receives a free piggy bank to fill with cash and coins.

For each individual deposit to the CUCUMBER account of $3.00 or more, children receive a special stamp in their reward book and are given the opportunity to choose a prize from the treasure basket. When the reward book has all 15 spaces filled, the children receive a larger prize for redeeming the reward book at the credit union. A new reward book will be issued and the savings and prizes continue. Deposits for prizes exclude electronic and dividend deposits. Each account earns our regular day-to-day savings account dividend.

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.

Home Financial Services

With Home Financial Services, members may visibly access their credit union accounts online at anytime, day or night.

With Home Financial Services, you may:

• Transfer funds to and from savings accounts and checking accounts
• Make online loan payments
• View the account updates
• Download account information into Quicken or MS Money
• And much more!

What about bill paying?
Many of our members already pay bills by authorizing their creditors to withdraw funds electronically through ACH. We anticipate offering access to a bill paying service in the future.

Free Checking Account
An outstanding value...

• No minimum balance.
  
• No monthly maintenance fee.
  
• Initial box of checks are free. Affordable designer checks are available.
  
• 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 and at select ATMs
  • 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.

Supplementary Services

• Free "Official Checks"
• Electronic Funds Transfer
• Free Notary Service 
• Free Signature/Medallion Guarantee
• American Express Traveler Cheques, Gift Cheques, Cheques for Two and 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

Discount Tickets

Tickets

Movies	Cost
Tinseltown	$5.50
Regal	$6.00

Car Wash

Delta Sonic	Cost
Basic Car Wash (Single)	$5.50
Basic Car Wash (Book of 5)	$26.00
Deluxe Car Wash (Single)	$7.00
Deluxe Car Wash (Book of 3)	$18.00
Super Kiss Car Wash (Single)	$10.00
Super Kiss Car Wash (Book of 5)	$45.00

 

Buckmans	Cost
Soft Touch- Single	$6.00
Protect & Shine- Single	$8.00
The Works- Single	$10.00

Entertainment

Adult Ticket	Cost
Seabreeze	$22.00
Water Safari	$22.00
Darien Lake	$24.00

 

Proceeds benefit Credit Unions Care for Kids

Cost

Fee Schedule

American Express Travelers Cheques

Type	Fee
Basic Cheques (per $100)	$0.50
Gift Cheques	$1.25
Cheques for Two (per $100)	$0.50
Gift Cards	$3.95

ATM Charges

Type	Fee
All Point-of-Sale transactions	Free
ATM deposits, withdrawals,and transfers	12 free per month
Transactions beyond 12 in any month	$1.00 each
Balance inquiries at the ATM	$1.00 each
Replace ATM Card	$5.00
Replace ATM Card Rush Order	$18.00
Insufficient Funds	$25.00
Insufficient Funds Transfer from Secondary Share Acct.	$5.00

Checking Account

Type	Fee
First Box of Checks	Free
Insufficient Funds	$25.00
Insufficient Funds Transfer from Seconary Share Acct.	$5.00
Stop Payment	$20.00
Copy of Check	$5.00

ACH Category

Type	Fee
ACH Stop Payment	$20.00
ACH Insufficient Funds	$25.00
Insufficient Funds Transfer from Secondary Share Account	$5.00

Miscellaneous

Type	Fee
Bank Checks	Free
Teller Check-If member requests recurring monthly bills be paid from a share account	$1.00/check
Copy of Credit Union Bank Check	$5.00
Deposit Item Returned	$20.00
Replace HSBC Check Cash Card (1st Two Free)	$5.00
Copy of Statement over 24 months	$5.00
Early Withdrawal of Holiday Club & Close Suffix	$10.00
Each Early Withdrawal of Summer Living Account	$20.00
Early Withdrawal of CD up to 6 months	$20.00
Early Withdrawal of CD beyond 6 months	$30.00
IRA Transfers after 10 Business Days	$10.00
Late Loan Payment	$10.00
Money Market Account (Below Min. Bal.)	$15.00
Money Orders (Up to $1,000)	$1.00
Protest Fee	$20.00
Research Hourly Fee	$20.00
Primary Account closed within 90 days of opening	$5.00
Inactive Account- No activity for a primary account under one member's number for a consecutive 12-month period with a balance of $100 or less, if not using any other products or services. Excludes accounts owned by minors	$5.00/month
Returned Mail (incorrect address)	$2.00
Wire Transfer, Domestic	$20.00
Wire Transfer, Foreign	$30.00
Local Fax	$2.00
Office Copier Use (per page)	$0.25
VISA International Transaction Fee could be up to 1%