On June 18, GFCU Savings and Gulf & Fraser merged our banking systems – the final step in joining together. GFCU Savings members will continue to experience some service changes over the coming months and we will let you know in advance of any changes.
The scheduled service limitations are part of our work to bring GFCU Savings into the Gulf & Fraser family and to ensure all members can enjoy Gulf & Fraser products and services.
Important account information and changes for GFCU Savings members
Enhanced digital banking features for GFCU Savings members
We will offer limited services from 4pm Friday, June 16 through the weekend, ending 7am Monday, June 19. While we’re working hard to minimize inconvenience to you, there will be some service limitations during this time. See the FAQ for answers to questions about debit cards, payroll deposits, and account numbers. Learn how the gfcu.com website is changing.
Please read the information below to find out which services will be available and when.
Bill payments
Online banking
Mobile banking app
Transactions in branch
Account balance, activity, and recent transaction history
Transfers between accounts
ATM (withdraw and deposit)
GFCU Savings debit cards*
Call centre open 8am to 4pm Saturday and Sunday
GFCU Savings Collabria credit cards
*Debit cards issued prior to June 2, 2023 will continue to work. New debit cards issued on or after June 2 will not work June 15-18. If you are unsure of your withdrawal limits, please contact us.
Sending Interac e-Transfers will not be available June 12-18
Receiving Interac e-Transfers will not be available June 14-18
Take out extra cash before June 15. Your debit card will allow limited withdrawals from June 15 - 7am, June 19.
Check your credit card balance so you have that as a backup payment method
Pay upcoming bills before June 16. Any scheduled bill payments will be processed on Sunday, June 18.
Complete any Interac e-Transfers before June 12 or plan to send them after the weekend
There will be service limitations between June 12-19. Please review the table below to find out which services will be available and when for GFCU Savings members.
|
June 12-16 |
June 17 |
June 18 |
June 19 |
|
Grand Forks branch |
Open 9:30am to 5pm (closed Mondays) |
Open 9:30am to 1pm - limited services |
Closed |
Closed |
Online and mobile banking |
Closes at 4pm Friday, June 16 |
Closed |
Closed |
Available at 7am |
Debit card purchase/ATM withdrawal |
Limited access starts Thursday, June 15 |
Limited access |
Limited access |
Available at 7am |
Interac e-Transfers |
Sending closed June 12-18; Receiving closed June 14-18 |
Closed |
Closed |
Available at 7am |
Call centre |
Open 7am to 7pm |
Open 8am to 4pm - limited services |
Open 8am to 4pm - limited services |
Open 7am to 7pm |
On June 19, the gfcu.com website will connect to gulfandfraser.com, your new source for advice, tools, and resources to reach your financial goals.
You can continue to login to online banking from gfcu.com. When you click LOGIN TO > ONLINE BANKING on the drop-down menu at the top-right of your screen, you’ll be automatically re-directed to login to Gulf & Fraser online banking at gulfandfraser.com/sign-in.
You’ll need your new Member Number to login to Gulf & Fraser online banking. Gulf & Fraser will send you that number by mail, and you can expect to receive it by early June.
You can refer to your guide for step-by-step instructions to access Gulf & Fraser online banking. Should you need assistance, call us Monday to Friday 7am-7pm and Saturday 8am-4pm at 250-442-5511, or email us at info@gfcu.com.
Download your guide to access Gulf & Fraser online banking for GFCU personal members
Download your guide to access Gulf & Fraser online banking for GFCU business members
On June 19, the gfcu.com website will connect to gulfandfraser.com, and will include GFCU Savings information for members. Information will include:
Online banking login
Service changes
Information about GFCU Savings
Community support and grants
Collabria visa card
Social media
Make sure you don’t miss any important updates by keeping your contact details up to date with us. You can do this…
Online – Login to online banking > Profiles & Preferences > Change Contact Information
By phone – Call us at 250-442-5511, Monday to Friday 7am-7pm; Saturday 8am-4pm
In person – Visit the branch
Our services will be unavailable or limited while we carry out the technical work to merge the banking systems of GFCU Savings and Gulf & Fraser.
Our priority is ensuring all members have access to our full suite of products, services, and technology. By merging our systems in June, we’ll be able to do exactly that – giving GFCU Savings members access to all the account options and digital banking solutions Gulf & Fraser members enjoy.
Interac e-Transfer services will be unavailable while we carry out the technical work to merge the banking systems of GFCU Savings and Gulf & Fraser.
You'll need to re-set up your Interac e-Transfer profile in Gulf & Fraser online banking. The checklist will help you prepare for this and our guides will walk you through accessing online banking and the Gulf & Fraser app.
Not until Sunday. Bill payments that are scheduled for the weekend of June 17-18 will be processed in the evening of Sunday, June 18. It's a good idea to pay your bills early, and before GFCU Savings online banking closes permanently at 4pm on Friday, June 16.
On Monday, June 19 you'll be able to access Gulf & Fraser online banking to pay your bills. You will find that your bill payees (Telus, credit card, etc.) will have been already added for you.
The following online banking features are not changing for GFCU members. Information stored in your GFCU online banking will be brought over to your Gulf & Fraser online banking:
Personal Access Code
Pre-authorized transfers, deposits and withdrawals
Bill payee information
Transaction history – 2 years of history available in Gulf & Fraser online banking. For records dating over 2 years, you can download and view your eStatements
Other services not changing:
Debit card and PIN – you can continue to use your GFCU Savings debit card until you recieve your Gulf & Fraser debit card in late 2023/early 2024
Cheques – you can continue using your GFCU Savings cheques
Credit card – you can continue using your GFCU Savings Collabria Visa card
Account statement layout of information (only the logo will change)
Draw accounts (chequing or savings account linked to another account to cover overdraft)
Yes. You can continue using your GFCU Savings Personal Access Code to use online banking and the Gulf & Fraser app. You can start using Gulf & Fraser online banking on Monday, June 19.
Yes, your GFCU Savings account numbers will be changing. The good news is you will not need to update your account numbers for external deposits or withdrawals and you can continue using your cheques. An automated process has been put in place to redirect items from your previous account number to your new account number.
Yes, your GFCU Savings Member Number will change effective June 19. The first digit of your current Member Number will change from a ‘6’ to a ‘4’.
You can continue to use your GFCU Savings debit card and the same PIN you currently use.
You can expect to receive your new Gulf & Fraser debit card in late 2023/early 2024.
You can continue to use your GFCU Savings debit card and the same PIN you currently use. When you receive your new Gulf & Fraser debit card (in late 2023/early 2024), you will not need to set up a new PIN number.
Payroll which is automatically deposited will not be affected. If your payroll is due to come in between 4pm Friday, June 16 and Sunday, June 18, your account balance will be updated to show that deposit as of Monday, June 19.
The short answer is, no. Junior members are not required to pay the monthly account fee for the Everyday Spending account.
On June 19, the GFCU Savings Headstart account will automatically transition to a Gulf & Fraser Everyday Spending account. The monthly service fee of $4.95 for the Everyday Spending account will be waived until the account holder turns 26. The Everyday Spending account offers 10 full-serve and unlimited self-serve transactions per month. Additional full-serve transactions will be $1.00.
See this page for more information on our account lineup.
NOTE: The monthly service fee waiver applies to the Everyday Spending account only. Should you decide to open a different account, you will need to pay the applicable monthly service fee.
We will be using many communication channels to keep you informed about the upcoming changes. These include:
Email – We will email often to ensure you know what to expect as we get closer to June 16
Mail – Watch for a letter from Gulf & Fraser with your new member number
Online banking – We will place a notice inside online banking
Website – This website is where you’ll find all the information you need to know to be prepared. Including this Guide to accessing Gulf & Fraser online banking and information on how your accounts are changing.
In-branch materials – Drop by the Grand Forks Branch for information on service changes and pick up checklists and other resources
Statement and eStatements – Check your statements each month for inserts and notices informing you of changes
The GFCU Savings call centre hours are open from 7:00am-7:00pm Monday to Friday and 8:00am-4:00pm on Saturday.
Local: 1-250-442-5511
Toll-free: 1-866-442-5511
Email: info@gfcu.com
©2025 Gulf & Fraser. All rights reserved. Gulf & Fraser and GFCU Savings are trade names of Beem Credit Union.
