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Online Banking Help

Gerber FCU Online Banking

Gerber FCU online banking is safe, secure, confidential, and gives you more convenient access to your accounts anytime, anywhere. Check your account and loan balances, review recent account activity, make transfers between accounts, pay bills (write fewer checks!) and more!

Access Online Banking 

Gerber FCU online banking is easy to access. Enter your username and password into the fields provided in the LOGIN box above, then click 'Login'. First time users will need to use your Member Number as your Username and your Touch-Tone Teller PIN as your password. If you need help logging in, please contact Member Service at (231) 924-4880 option 2.

Mobile Banking 

View your account information and transfer funds from the convenience of your mobile phone anytime, anywhere. Download the Gerber FCU mobile banking app on the Apple App Store or in the Google Play Store.  You may be charged access rates depending on your carrier. Web access is needed to use mobile banking. Check with your service provider for details on specific fees and charges.

Online Banking Features

Multifactor Authentication

Multifactor Authentication (MFA) is a process that uses multiple factors or things you know for proving that you are who you say you are.  MFA requires that you provide “something you know" along with "something you have". Something you know could be your online banking user name, an account number, date of birth or social security number.  Something you have would be a cellphone with a phone number of record where you can receive a text message containing a code. When used together, your online banking user name and the texted code allows you to access your Gerber FCU accounts.


Account Summary

Get up-to-the-minute account balances, loan balances and account histories on the account summary page. You can also view previous and current year dividends earned and interest paid, Credit MasterCard account information and account transaction history. Plus, you can also view current balance, available credit, three months of history, payment due, year to date interest and current month charges (from the last posting date).

Pending Transactions

View pending transactions to your checking account. A pending transaction is a type of “hold” on your account that affects your available balance. Your account balance can often differ from your available balance due to a pending transaction or “hold” on your account. For example, gas stations often “hold” up to $75 or more from your account when you fill up even though your final transaction amount may only be $30. That gas station transaction will eventually clear your account for $30 but they “hold” the funds from your available balance until the transaction clears. Regularly viewing your pending transactions may help you avoid unexpected overdraft fees.

Account Export

To help manage your finances, Gerber FCU online banking offers the ability to download your account information. Easily export account information directly into your personal financial management software or export to a Comma Separated Value (CSV) file.

Online Bill Pay

Bill Pay

Tired of the hassle of writing checks to pay for recurring monthly bills? Looking for an easier and secure way to make payments? Then use Bill Pay, a convenient way to pay your bills through Gerber FCU online banking. With Bill Pay, you can pay almost anyone using a computer. You can schedule single payments as well as weekly, bi-weekly or monthly payments from a list of established vendors, or add your own. You can even send a check to an individual. And, it’s as easy as ever to pay your bills while you are out of town or on vacation because all you need is internet access to log in to Gerber FCU online banking. Set up your bills to be paid online today. You’ll appreciate the convenience and security knowing your payments are made for you on time and without the hassle of checks, stamps or mailboxes.

For your security, after 10 minutes of inactivity you will automatically be logged out of your Bill Pay session.


Account Transfer

It’s easy to transfer money between your credit union accounts (savings, checking or loans). All your Gerber FCU online banking transactions are secure and you receive a transfer confirmation number for your records.



Your monthly account statement can be viewed online! At the touch of your fingertips and in a secure environment, you have access to your monthly account statement including a 12 month history. Plus you save both time and money by receiving your statement electronically instead of by mail. By choosing to view your statement online, you help us save paper, postage and other natural resources.

To sign-up for e-Statements, simply log in to Gerber FCU online banking, click on “E-Statements” under the "Online Services" tab. You will be asked to read the disclosure and consent to accept statements electronically instead of by way of U.S. mail.


Receive electronic notifications regarding important account details that may need immediate attention. To retrieve your e-Notice, log in to your account and click “E-Statements” under the "Online Services" tab, then click “Important Notices” to view them for more details.

Online Services

Account Services

You can view your e-Statements, change your address, change your password, order a copy of a paid check, request a check withdrawal, reorder checks, apply for a loan and more in Gerber FCU online banking. (Transaction fees may apply to some of these services.)

Online Settings

Gerber FCU online banking can be customized to fit your needs. You can decide how long the system stays connected before it logs you out, and set your account history date range.

Contact Us

Member Service is available Monday, Tuesday, Thursday and Friday from 8:30 am – 5:00 pm and Wednesdays 9:00am - 5:00pm.  We can assist you with Gerber FCU online banking or Gerber FCU account questions. Contact us submissions sent during closed hours will be answered on the next business day.

System Requirements

We recommend that you always keep your computer operating system updated with the latest security patches and use a recently released version of one of the following browsers:

  • Chrome
  • Firefox
  • Edge
  • Safari

Please note: Occasionally the newest version of a browser has not been fully tested with all of our online applications and may present certain challenges.  If you have recently upgraded your browser and experience difficulty, please try a different browser.

Determining Your Browser Version

On the toolbar at the top of your browser window, click on “Help”. Then, depending on which browser you have, click on one of the following: 1) About Chrome 2) About Mozilla Firefox or 3) About Safari.  A screen will appear telling you what browser and version you are using.

About Security

Is it safe to give out my account information over the internet?
We have taken all appropriate measures to ensure that our website and Gerber FCU online banking product is secure, and that our members’ account information remains private. Our members also play a role in protecting their information. Your Gerber FCU online banking Username and Password should be provided only when your browser shows a Transport Layer Security (TSL) session is taking place. Transport Layer Security (TLS) technology encrypts account information between computers, so that it is virtually impossible to be read by others. We recommend that our members use a current version of browser software so that they may benefit from the most up to date internet security available. After you finish any website session that included viewing or sending private information you should close your browser window.

Security Tips

  • Never reveal your PIN or password. This includes your Touch-Tone Teller PIN or the password that you selected when you signed up for Gerber FCU online Banking.
  • Use the Log out icon to end a Gerber FCU online banking session. This will expire all the cookies that were set in your session.
  • The amount of time you can remain inactive before being automatically logged out of online banking can be set under “User Options.” For your own security, keep this time setting as short as possible.
  • It is recommended that you balance your account at least once a month so that any discrepancies can be reported to us in a timely manner.

Accepting Cookies

  1. To disable the “Accept Cookies” warning in Firefox 2.0 and up:
  2. From the Tools menu, select Options.
  3. Click on the “CONTENT” tab.
  4. To enable Java, verify that the “Enable JavaScript” box is selected.
  5. Click on the “PRIVACY” tab.
  6. Verify that “Accept cookies from sites” is selected.

Unable to Log in to Online Banking

Accessing the Log In Page

If you can view the other areas of our website, but are unable to access Gerber FCU online banking, it may indicate a problem accessing all secured websites.

If you are using one of the browsers we recommend and are still experiencing a problem, the problem may lie with your Internet Service Provider. This is particularly common with employer-based access to the internet. Your employer may have firewalls, proxy servers or other equipment that may prevent access to secured sites.  Contact your company’s IT Department regarding the problem or try to access Gerber FCU online banking from another location.


When reporting problems to us, please have as much information ready as possible (e.g. when the problem occurred, browser version, etc.).

Forgot Username and/or Password

I’ve forgotten my Username/Password, how can I access Gerber FCU Online Banking?
Click “Forgot Login Details?” under the password field and follow the directions provided.


We do not have access to your password. In the case of a forgotten password, please use our password reset tool or contact us to reset your password.

Common Error Messages

The following errors may occur when accessing online banking:

  • Account verification error. Your password is incorrect. Verify the password and re-enter it. Check to make sure the Caps Lock is not on. Passwords are case-sensitive; the Caps Lock may alter the way your password is being entered.
  • The account has been locked. You have had too many invalid login attempts. As a security measure, Gerber FCU online banking will allow three invalid password attempts and will lock out the account on the fourth try. To reset your password, please use our password reset tool or contact us for assistance.
  • We’re sorry, we are unable to process your request at this time. Gerber FCU online banking is temporarily down for system maintenance. Try again periodically. If the message is displayed repeatedly, contact us.


Error Messages – To show us the exact error message that you are receiving, display the error message on your screen then press Print Screen on your computer’s keyboard. This will transfer the image to your clipboard which can then be pasted into a Word document or other application.   When experiencing an error message, try the following steps before contacting your financial institution:

  1. Clear the cache, reload, or refresh.
  2. Close the browser.
  3. Retry.

After trying this and you still continue to receive the error message, contact us.


When reporting problems to us, please have as much information ready as possible (e.g. when the problem occurred, browser version, etc.).

Unsuccessful Transfer(s) – If a transfer is unsuccessful you will be given a reference number. You may email us and a Member Service Representative will assist you in finding out why your transfer was not successful.

I’ve opened Quicken and tried to connect to you to download my files; it does not work. How can I do this?
To export your transactions, click on the Online Services tab, then click on Export “Account Information.”

  1. Choose the account and the dates you would like to export history for.
  2. Select Quicken as your Export format, and click the Download Data button. Do this for each account you wish to export.
  3. Open Quicken. The exported history items will be automatically uploaded.

It takes so long to download data, my session times-out and I have to start all over. How do I fix this?
We suggest that you increase the time limit on your connection with us. To increase the time limit click on “Online Services” in online banking and then select “Timeout.”

Online Help: Accounts


The Accounts tab will show you a general overview of your account. At the top of the page, you will see your member number and the address we have on file. While under the Account tab and sub-tabs, you may click the Printer Friendly button in the upper right-hand corner. This creates a page formatted specifically for printing.

Accounts Summary

The Accounts Summary section displays a general overview of your insured accounts, including the account title, type, balance and available balance.  Accounts include:

  • Savings
  • Super Savings
  • Share certificates
  • Share Draft (Checking)
  • Individual retirement accounts

To view the details of an account, click on the account title. Your current transaction activity will then be displayed.
You may also view your account history by going to the Next History Date Range, selecting dates using the fields provided and clicking More History. If you are looking at the details of your share draft (checking) account, you can view a copy of the check by clicking on the check number.

Your savings are federally insured for $250,000 by the National Credit Union Administration, a U.S. Government Agency.

Loan Summary

The Loan Summary section displays a general overview of your loans, including the loan title, type, balance, available balance, rate, payment and the due date.

To view the details of your loan, click on the loan title. Your current transaction activity will then be displayed.

You may also view up to three months of your account history by going to the Next History Date Range, selecting dates using the fields provided and clicking More History.

Transfer Funds

This option allows you to transfer funds between your accounts. The completion of a transfer is subject to the availability of sufficient funds in the account you are transferring from. If you do not have sufficient funds, the transaction will not be completed. If you have a cross-account transfer set up, you may also transfer funds to another member number.

To transfer funds:

  1. Click on "Accounts" tab.
  2. Click on  "Transfer".
  3. Enter the amount you’d like to transfer in the field provided. Do not include dollar signs or commas.
  4. Select the account you would like to transfer from (only eligible accounts will appear).
  5. Select the account you would like to transfer to (only eligible accounts will appear). If you are transferring funds to a different member number, their eligible accounts will be displayed next to their member number.
  6. Click on "Transfer".

How do I add the ability to transfer from my account to another member number?

  • Log in to Gerber FCU online banking with the account you wish to transfer from.
  • Click "Contact Us" in the far upper right.
  • Next click "Send a New Message."
  • Type the following message: Please grant this account the ability to transfer to (INSERT THE ACCOUNT HOLDER'S NAME AND ACCOUNT NUMBER OF THE ACCOUNT YOU WISH TO TRANSFER TO).
  • Click "Submit Message."

Online Help: Online Services


e-Statements are provided as a free service that allows you to access your monthly account statements instantly online instead of by mail. With e-Statements, you can access your statements for the past 12 months, view your previous year-end statement and view copies of cleared checks. In addition, using e-Statements waives the monthly online banking fee. You will receive an e-mail notification each month when your new statement is ready to view.

To sign up for e-Statements:

  1. Click on 'E-Statements' under the 'Online Services' tab in Gerber FCU online banking.
  2. Follow on-screen directions.

View Your e-Statements
If you have already signed up for e-Statements, here is how you will be able to view your electronic statements:

  1. Click on 'E-Statements' under the 'Online Services' tab in Gerber FCU online banking.
  2. Click the e-Statement date you wish to view and your electronic statement will open in a new window.

Check Withdrawal

This form allows you to request a check addressed to the primary owner of the account, sent to the address we have on file. The maximum amount you can request to have withdrawn is $20,000 per day. Please be sure to verify that your address is correct on the Summary page. If you need to make an update, click "Change Address" under the "User Options" tab.

To request a check withdrawal:

  1. Click on the "Online Services" tab.
  2. Click on "Check Withdrawal".
  3. Select the account you would like to have the check withdrawn from in the drop-down menu. Only eligible accounts will be displayed.
  4. Enter the amount you wish to withdraw.
  5. Click on Submit to request the check. You will receive an acknowledgement of the request in two business days.

Check Reorder

You may place an order for a new check supply online so long as there are no changes to the address or check style that you’ve previously ordered through the credit union. If your address has changed since your last order of checks, you will need to visit a branch or mail your order form in with any corrections. If you proceed to order checks through this service, the checks will be printed with the same address as your last order. If any other personal information has changed, please contact the credit union directly.

To order a new check supply:

  1. Click on the "Online Services" tab.
  2. Click on "Check Reorder" and follow the on-screen instructions.

Lost or Stolen Credit Card

(231) 924-4880 Option 2
(800) 338-3746 Option 2

User Options

Address/Phone Number

This online form allows you to update your address and phone number(s) on file. If you have multiple accounts with us, you will need to update your contact information with each account separately.  Please note: Foreign addresses and phone numbers cannot be updated online, please mail your request to change your address to: Gerber Federal Credit Union, PO Box 116, Fremont, MI  49412.

To update your address and/or phone number:

  1. Click on the "User Options" tab.
  2. Click "Change Address".
  3. Enter your updated address and phone number(s) in the appropriate fields provided. Please do not use any symbols or special characters.
  4. Click "Submit" and you will receive a confirmation that your information has been updated.

Change Password

To change your password:

  1. Click on the "User Options" tab.
  2. Click on "Change Password".
  3. Enter your current password in the “Old Password” field.
  4. Enter a new password in the “New Password” field.
  5. Re-enter the new password in the “Re-enter password” field.
  6. Click Submit and you will receive a confirmation that your password has been updated.

You may change your Gerber FCU online banking password at any time. For security purposes, it is recommended you change your password every six months. If you have forgotten your password, click 'Forgot Login Details?' on the Gerber FCU online banking log in above or contact the credit union for further assistance.

Change email Address

This online form allows you to view/update your email address. Your email address will be used for e-Statement notifications and to provide you with product or service information that may be a potential benefit. Please refer to our Privacy Policy for more information. To change your email address:

  1. Click on the "User Options" tab.
  2. Click on "Change Email Address".
  3. Enter your updated email address in the field provided.
  4. Click "Submit" and you will receive a confirmation that your e-mail address has been updated.

Change History Date Range

The Change History Date Range allows you to select what account history dates you would like to have displayed. By default, only the current month’s history is displayed. To change your history date range:

  1. Click on the "User Options" tab.
  2. Click on "Change History Date Range".
  3. Select a date range by selecting one of the date range descriptions.
  4. Click on "Change Date Range" to save your changes.

Change Your Timeout

The Change Your Timeout feature allows you to set the number of minutes of inactivity in your Gerber FCU online banking session before the system automatically logs you out.  To change your timeout:

  1. Click on the "User Options" tab.
  2. Click on "Change Your Timeout".
  3. Select the number of minutes from the drop-down menu.
  4. Click on "Change Timeout" to save your changes.

Change Font Size

Change the size of the font that displays for you during your Gerber FCU online banking session.  To change, click on the Font Size letter for the size of the font you prefer in the top right corner of the page (to the left of the printer symbol).

Money DeskTop

Money DeskTop allows you to view and analyze all of your accounts from one convenient location. View account balance information from credit unions and banks. You can also keep an eye on bills and utilities, assess net worth, review your budget and see how you spend your money and determine the best way to pay down your loans and credit cards.