Gulf States Credit Union and McCoy Federal Credit Union Merger

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Health Savings Account Update

The management team at McCoy FCU sincerely apologizes for the delay in getting the Health Savings Account debit cards online. We are committed to the HSA program, and we want you to be able to utilize your card as soon as possible. 

To expedite your ability to use the card, we are working with our processor to allow you to use your existing Gulf States card for your HSA purchases. This will require some programming changes, and we are expediting these changes. In the interim, we have sent checks for you to access the funds in your account, and we are working on getting a McCoy HSA card to you.

Again, we apologize for the inconvenience that this has caused, and we value your membership with McCoy FCU. We will notify you when the cards are ready for use.

 

How to Set up Your Direct Deposit

You can set up direct deposits through myMcCoy Online Banking on our website or via the mobile app. Click the link below for instructions on setting up your direct deposits.

CLICK HERE for Direct Deposit Instructions


Need to set-up myMcCoy Online Banking?
If you haven't yet set up your account with myMcCoy Online Banking, please follow these steps.

1. Simply click on “myMcCoy Login” at the top right of the page then click “Enroll”. Enter your last name, social security number, and McCoy account number (add 990 + your old Gulf States account number) then create a login ID.

2. Next, a Secure Access Code (SAC) will be requested for all first-time logins. It can be sent to you via text or phone call.

3. Once you submit the secure access code, you will be prompted to create your password.

4. When enrollment is complete, you can choose to register your device if preferred (this is only recommended for trusted, non-public devices).

 

Attention Gulf States Credit Card Holders

You will not be able to use your current Gulf States credit card after Midnight on Sunday, July 10. You should receive your new McCoy Visa Platinum credit card by Tuesday, July 12. Please activate your new card upon receipt and it will be ready to use. 

We will transfer the current balance on your Gulf States card to your McCoy Visa card. 

The first payment on your new card will be due September 2.

We apologize for any inconvenience.

 

Update: July 1, 2022
The conversion is complete. 

Welcome to McCoy!



Information About Your McCoy Accounts

Your Gulf States checking account has been transferred to a Simply Checking Account with McCoy. This account features all the essentials with no minimum balance and no monthly maintenance fee. 

Your new McCoy account number looks a lot like your Gulf States Credit Union account number. We simply added a “pre-fix” of 990. For example, if your Gulf States account number is 1234567 then your new McCoy account number is 9901234567. If your Gulf States account number is 12345 then your new McCoy account number is 99012345. 

You will receive one free order of McCoy checks. These will be mailed out directly to you in July.


You can upgrade at any time to a Smarter or Smart checking account, both of which have a small monthly fee. These accounts offer a variety of special member benefits with a wealth of savings. This includes access to industry-leading identity theft and security experts to help you keep your personal information safe.

Smarter Checking - $8 monthly fee
An account that pays and protects. In addition to fully managed identity theft recovery services and an entitlement to robust credit monitoring through NXG Protect, Smarter Checking Account benefits include:

  • Rewards on debit card purchases (redeem for gift cards, brand-name merchandise, and travel)
  • Consumer loan discounts
  • Mobile phone coverage from NXG Mobile for device repairs or replacement due to accidental damage, mechanical failure, or theft
  • And more!

Smart Checking - $5 monthly fee
An essential checking account with extra benefits. In addition to fully managed identity theft recovery services and an entitlement to robust credit monitoring through NXG Protect, Smart Checking Account benefits include:

  • Rewards on debit card purchases (redeem for gift cards, brand-name merchandise, and travel)
  • Consumer loan discounts
  • And more!

Click here for a full list of benefits for our Smarter and Smart Checking Accounts. 

 

Change to Dividend Payment

Currently, Gulf States pays savings account dividends on a monthly schedule. After the conversion on June 30, your dividends on your converted savings accounts will be paid on a quarterly basis as follows:

March 31 for the first quarter

June 30 for the second quarter

September 30 for the third quarter

January 1 for the fourth quarter 


Direct Deposit / Direct Debit

If you need assistance to transition your existing direct deposit (payroll, social security, retirement, etc.) and direct debits to your new McCoy account, please contact us at 407-855-5452 or visit a branch location.  


Branch Offices

Beginning in July, you will have access to your Credit Union at 15 branch office locations. 

After the conversion, you will have access to our shared branching network. More details to follow.


ATMs

McCoy participates in the CULIANCE ATM network, which allows you to make deposits in
participating ATMs throughout the U.S wherever you see the CULIANCE/CUHere logo. To search
for locations near you or your travels visit www.culiance.com.

We offer FREE withdrawals (that’s right…no service charge and no surcharge) at CULIANCE ATMs and all Publix ATMs. Be sure to look for the CU Here logo on the ATM for free-of-charge withdrawals.


VISA Credit Card

We will issue a McCoy Visa Platinum credit card to replace your existing Gulf States credit card.

The balances on your Gulf States credit card will be transferred to your new McCoy Visa Platinum card.


VISA Debit Card

If you have a Gulf States debit card and a checking account, we will mail your new McCoy Visa Debit card. As of 12:01 AM on June 30, your Gulf States debit card will be deactivated. We recommend completing any necessary transactions before June 29.  


 myMcCoy Online Banking

If you used Gulf States online banking, you need to register for myMcCoy Online Banking. Beginning in July, you will be able to register via the myMcCoy app or you can register online by clicking here.

Simply click on “myMcCoy Login” at the top right of the page then click “Enroll”.
Enter your last name, social security number, and account number then create a login ID.

Next, a Secure Access Code (SAC) will be requested for all first-time logins.
It can be sent to you via text or phone call.

Once you submit the secure access code, you will be prompted to create your password.

When enrollment is complete, you can choose to register your device if preferred (this is only recommended for trusted, non-public devices).

Any automatic transfers that you had set up with your Gulf States account will need to be set up again in myMcCoy Online Banking following the conversion. Please download or make note any information you need such as monthly statements, etc, prior to June 29 as this information cannot be brought over.

Any Bill Pay bills or payees that you had set up with your Gulf States account will need to be set up again in myMcCoy Bill Pay following the conversion. 

myMcCoy offers access to Bill Payer, McCoy e-statements, copies of checks you issued, and much, much more, and it is all FREE!   

 

Courtesy Pay

Courtesy Pay is available to qualifying members with McCoy checking accounts. You will have a static limit of $500 for 60 days from conversion date.  After the 60 days, your Courtesy Pay will transition to a dynamic limit based on usage and account standing.

Please check back for more information on dynamic limits for courtesy pay.

Additional information regarding McCoy Courtesy Pay with dynamic limits will be mailed to you after the conversion.

If you would like to have us authorize and strive to pay overdrafts on ATM and everyday debit card transactions, we need your consent. To opt-in (or opt-out) with your consent, please complete our online Courtesy Pay Form or download the form below and bring it to a branch.

Courtesy Pay Regulation E Consent Form

Courtesy Pay Disclosure

 

Important Documents


Account Disclosure

Fee Schedule

Owner's Manual

Privacy Policy