If you need more information or can’t find the answer to your question, please call one of two Greater Niagara Federal Credit Union branches.
Deserve Greater Answers
Visit Greater Niagara FCU Branches
160 Ward Road
North Tonawanda, NY 14120
Can I make deposits after hours?
Yes, Night Drops are located by the ATM at both locations. Place items (cash/checks & deposit slip) in a sealed envelope. Items will be processed next business day. ATM at the Military Road location accepts deposits.
Can friends and family make deposits for me?
Yes, anyone can make a deposit into your account. No account information will be given to others not listed as joint on your account.
Are there monthly fees on my account?
There are no monthly fees, unless your account is dormant for 365 days (no qualifying transactions) there is a monthly $5.00 fee.
*Qualifying transactions are either a deposit or withdrawal from the account. Check cashing does not qualify.
What does the minimum balance need to be in my account?
$5.00 is the minimum balance that is needed in the Share/Savings account. No minimum is required in the Share Draft/Checking account.
Is there a waiting period before I can apply for a loan?
No, you can apply for a loan any time before or after you become a member.
Where can I find a surcharge free ATM?
Both of our branches (Military Road & Ward Road) have 24-hour surcharge fee ATM’s. Please visit https://co-opcreditunions.org/locator/ to find nearly 30,000 surcharge fee ATMs. Fees may apply if you are using out of network ATMs or are requesting cash back at retail locations.
How should I use my debit card (do I choose credit or debit upon checkout)?
When you are shopping locally, you can use your debit card as a debit or credit. If you would like to receive cash back with your purchase, you must use your card as a debit card and enter your PIN.
When you are travelling, use your card as a debit card and enter your PIN until you reach your destination. This will let the fraud department know that you have your card and it has not been stolen. When you arrive at your destination, use the debit card as a debit once or twice then you can use it as a credit if you wish. If you are travelling outside the USA, contact our card specialist at the Niagara Falls branch at 716-297-5944 Ext. 313 and provide the dates you will be out of the country to ensure that your card will work.
What is my debit card limit?
$800.00 at the ATM (24-hours) and $1,500.00 POS (Point of Sale).
If you need to increase the daily limit for POS debit card purchases, please call our Card Specialist @ 716-297-5944 ext. 313.
What is the process for incoming or outgoing wires?
To: Alloya Corporate FCU
1021 Watervliet Shaker Road
Albany, NY 12205
For credit to:
Greater Niagara FCU
Acct # 221381439
Final credit to:
Outgoing Wires: Outgoing Wire Form