• Apply For a Loan
  • Personal Services
  • Business Accounts
  • Credit Cards
  • Safety & Security
  • Current Rates
Smart Branch Bill Pay Online Account Access

GECU eServices

SmartBranch - 24/7/365 Account Information at gecu-ep.org
First time user? Call SmartCall at 778.9221 or 1.800.772.GECU for further instructions.
SmartBranch, GECU's office on the Internet, provides you convenient access to all the same information available through SmartLine, and more.
  • Apply for most types of loans
  • Transfer money between accounts
  • Make credit card payments 
  • View and print account histories
  • Download account information into MS Money® or Quicken® financial management programs
  • Reorder checks
  • Order check copies
  • Change your address
  • Place stop payments
  • Track up to 20 stock prices

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Bill Pay
Bill Pay from GECU...It's Fast! It's Easy! It's Free!

Bill Pay is a free, secure service from GECU that allows you to conveniently pay your bills online from any computer in a matter of minutes. Pay anyone, anytime, anywhere in the U.S. - from mortgage lenders to gardeners. You have complete control of your bills because you decide who you're going to pay, when to pay, and how much to pay.

Terms and Conditions

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GECU Mobile App
The perfect match for your mobile lifestyle.

GECU Mobile App Icon

Now you can manage your money the way you manage your life.

  • Track your balances
  • Transfer money between accounts
  • All on your mobile phone!

Activating GECU Mobile is easy

  • Log in to SmartBranch
  • Click the GECU Mobile Alerts tab and follow the instructions to activate GECU Mobile texting
  • Text us and we'll text you right back

GECU Mobile SmartBranch website access
If your mobile phone has website capabilities, log in to gecu-ep.org.

  • Locate GECU or CO-OP ATMs
  • Check out the latest mortgage or auto loan rates
  • Transfer funds between GECU accounts 

It's safe, fast and free! You can have your account at your fingertips whenever you want.

Click here to download your GECU Mobile App today for iPhone, iPod touch, and iPad on the iTunes App Store.

Click here to download GECU Mobile App for your Android enabled device.

With the GECU Mobile App. you can track your balances and transfer money between accounts all on your mobile phone! It's safe, fast and free!

GECU Mobile Screenshots

Terms and Conditions



Faster, Secure, Free

GECU's eStatements are fast, secure and the most convenient way to receive your monthly statements. With GECU's eStatements,

  • Your statements are available sooner than mailed statements
  • You'll receive emails each time your statement is available

Start receiving eStatements today:

  • log in to SmartBranch at gecu-ep.org
  • click on the eStatements tab
  • follow the sign up instructions


FinanceWorks powered by Quicken
Managing your spending can be easy with FinanceWorks powered by Quicken.

Here's a new, free and improved way to manage your finances all from the convenience of SmartBranch. With FinanceWorks and a click of a button, you can see your complete financial picture in one place...even your accounts at other financial institutions and companies.

   - View your checking, savings, credit cards and loans in one location.
   - See an instant snapshot of your spending all in one place.
   - Review how much you're spending by category.
   - Create spending goals and monitor your results.
   - Receive suggestions for areas to cut spending with projected annual savings.

Start using FinanceWorks today and take control of your financial future. Log in to SmartBranch, click on the Account Summary tab, then click the FinanceWorks button to get started.

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SmartRewards: Turning Everyday Purchases Into Cash

You can now get cash back by using your GECU MasterMoney debit card. All you have to do is log in to your GECU checking account at gecu-ep.org to pick your exclusive SmartRewards offers.

How it works
Click to activate exclusive cash back offers at the places you like to shop.
Shop online or in stores to redeem offers by paying with your MasterMoney debit card.
Enjoy cash back - deposited directly into your checking account at the end of the month.

We're building a better way for you to manage your money online.

GECU is excited to announce the launch of a new online experience. Our new home page will provide you access to your accounts, transactions, and financial management tools - all from one location! You will have the ability to:

- Review all your accounts, balances and recent transactions in one place
- Receive money-back offers with a new rewards program tied to your debit card
- Budget, track expenses and review past spending from an easy-to-use chart
- Pay important bills on time with new alert reminders and the ability to set up recurring payments

Electronic Funds Transfer Services Disclosure


e-Notifications for What's Important to You
Save time. Enjoy the convenience of managing your GECU accounts wherever you are with e-mail notifications.

Receive e-mail notifications:

  • When the balance of your account reaches a certain level so you'll know to transfer funds or limit your spending.
  • To let you know when a specific check has cleared your account.
  • When your certificate of deposit is about to mature, reminding you to add or re-invest funds.

Getting started is simple

  • Log in to SmartBranch (online account access)
  • At the Account Summary page, click the Notification tab.
  • Follow the Notification Set-up Instructions.
  • Press Submit.
  • You'll begin receiving e-mail notifications as requested.

For additional information, call SmartCall at 778.9221 (toll-free, 800.772.GECU). We'll be happy to get you started.

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Online Check Images 
There are a lot of benefits when you're a GECU member, here's one more: Free Online Check Images. That means no more calls to request copies of checks - it's just a PC and click away.


  • Log on to SmartBranch (online account access)
  • Go to your Checking Account History page
  • Click on a check number to view the front and back images of checks cleared on your account.

It's that simple. For more information about online check images, call SmartCall at 778.9221.

Note: Online images for electronic payment checks are not available.

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E-Cash Management

There are a lot of benefits when you're a GECU member, here's one more:  E-Cash Management. Whether you're at work, at home or out of town, you can transfer money from a checking, savings or credit card account at another financial institution into your GECU checking, savings or loan payment account. Fill out the form below and fax it to:

or mail it to:
GECU - Attention: Research Dept.
P.O. Box 20998
El Paso, TX 79998-0998

Recurring Automatic Draft Form


  • no more checks to write
  • no more standing in line to make deposits

Easy, affordable, secure

  • money transferred within 24 to 48 hours
  • one time or recurring payments
  • $10.00 charge per transfer
  • one charge for recurrent payments
  • receive transfer confirmation

Put the convenience of E-Cash Management to work for you. Call SmartCall at 778.9221 (toll-free, 800.772.GECU) and we'll get you started, today.

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Around-the-Clock Account Information by Telephone
TTY/TDD (915) 774-6080
Access your accounts from any touch-tone telephone in the world by calling SmartLine any time of day or night.
Checking account information:
  • Account balances
  • Dates and amounts of last checks cleared
  • Last deposit information
  • Stop payment request
  • Reorder checks
Share account information
  • Dates and amounts of last deposits
  • Dates and amounts of last withdrawals
  • Dividend information
Loan account information
Transfer funds between accounts
Interest rate information on CDs, MasterCard® and car loans.
Besides the convenience, all information and most transactions offered through SmartLine, are provided free of charge. (Please refer to the Fee Schedule for a list of nominal fees for certain transactions.)

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Direct Deposit - It's Free!
It's safe and you'll save time and money.
  • Making loan payments or depositing money into your savings or IRA accounts is easier with direct deposit.
  • Your money is typically deposited in your account(s) the morning of your scheduled payday.
  • It's available for all government-issued checks.
  • To sign up, contact your payroll department and provide them with your GECU account information, including our routing number: 312081089
  • Then, tell GECU how you want your money distributed.
  • Thousands of companies offer direct deposit. Please check with your payroll department about the availability of direct deposit for your company.

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Automatic Payments & Transfers
Never worry about missing a payment — even when you're on vacation!
If Direct Deposit of your payroll is not available from your employer, Automatic Transfers is another convenient way to automatically make deposits and payments to your GECU accounts.
  • Payments for all your GECU loans can be set up by calling SmartCall. 
  • Make loan payments or deposits to savings, checking or IRAs.
  • You choose the date payments or deposits are made.
  • No fees for payments or transfers.
To sign up for Automatic Transfers, call SmartCall at 778-9221 (toll-free at 1-800-772-GECU). You'll need your account numbers, dates you want the transfers made and transfer amounts. That's it. We'll take care of the rest.

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