FAQs to help guide you through the upgrade process


Home Banking – banking accessed through the website at gardinerfcu.org

Mobile Banking – banking accessed by smart phones or mobile devices like iPads through the Gardiner FCU mobile banking app

Digital Banking – combination of both Home Banking and Mobile Banking together as one experience

Why are you upgrading Online Banking and Mobile Banking?

We’re committed to providing technology to help our members better manage their finances. This upgrade will modernize your Digital Banking experience. Switching between devices will be seamless and provide you with a much better interface that is faster, simpler, and easier to use.

When will the upgrade take place?

On March 22nd, the current Home Banking and Mobile Banking platforms will roll into the same, seamless Digital Banking Experience—with all the features you would expect to have in both!

Will I have to register in the new Digital Banking platform?

Yes, after the upgrade on March 22nd, it will be necessary for you to re-register. You can register either from our home page at gardinerfcu.org, or by downloading the new Mobile Banking app.

Note: The current mobile app will not function after the upgrade.

What will I need to re-register in the new platform?

  1. Social Security Number (SSN)
  2. Date of Birth
  3. Account Number – your account number appears on your statement

Where do I find my account/member number for the re-registration process?

Your account number is located at the top of your statements. You can also find it on your member ID card that was provided when you became a member.

Will the Mobile Banking app change?

Yes, the current Gardiner FCU mobile app will no longer function after the upgrade. Please download the new mobile app to your phone or mobile device from the App Store® or Google Play™.

Can I register using just the new Mobile Banking App?

Yes, one of the great new features is the ability to register using Mobile Banking. It is no longer necessary to register in Home Banking first. The registration process is the same on a mobile device as it is on a laptop or desktop. Your new username and password will be the same for both.

Why do I need another PIN for my mobile app?

If you get a new phone, clear the history on your current phone, or return your phone to factory settings you will require a new PIN to register your device with our service provider. It will be sent to the e-mail address on file and is good for 48 hours from the time of issue. Step 3 in registering your device will be to enter the temporary verification PIN and this will allow you back into the mobile app. Once your device is registered initially you will no longer need to have the PIN.

What if the one-time Mobile Banking registration PIN expires before I finish the registration process?

Login again to trigger a new PIN.

What happens to the Mobile Banking app if I get a new phone?

Once you download the Gardiner FCU mobile app on the new device you will need to attempt to log in with your Username and Password. This will prompt the system to send a verification PIN to the e-mail we have on file.

Will I still be able to access my eStatements in Online Banking?

If you are currently enrolled in eStatements, 18 months’ worth of statements are expected to carry over to the new platform.

Will my Home Banking/Mobile Banking transaction history carry over?

Six months’ worth of transaction history is expected to carry over. We recommend you print or download your transaction data prior to March 22, 2022.

Will Bill Pay Change?

If you currently use Bill Pay and are the primary account holder, all account information will carry over. We plan for a seamless transition.

If I am the joint owner on an account, will I now need my own username and password?

That depends. After conversion to Digital Banking, if you are a joint owner of an account and you have at least one account that you are primary owner of, you will not need a separate username or password. If you have a primary account, simply sign on and you will have access to all accounts your Social Security Number (SSN) or Employer Identification Number (EIN) are associated with. However, if a joint owner is just a joint owner of an account, they will need to re-register just like the primary owner and create their own username and password. Members should never share or request to share credentials. Joint owners will see the accounts and loans you have access to.