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For Your Protection:  Our office will ask multiple questions to verify your identify before preforming any service or providing any information on your account to keep your account safe.

If you have any questions about this process, please inquire with one of our offices in person or over the phone.

Be sure to take G.A.P. FCU’s VISA Credit card and/or VISA Debit/ATM card along with you on your vacation or when you go shopping. It’s the safe and convenient way to enjoy your next “adventure!” Don’t Leave Home Without It!

The advantages of a credit union credit card are easy to see. These days, the mail is full of credit card offers from all over, offering all sorts of “good deals”. The closer you look at their fine print, the less attractive they are. Compare terms, rates and conditions. You’ll clearly see that a G.A.P. FCU credit card is the right card for you. 

No annual fee, no over the limit fee, 25 day grace period, and 12.00% APR for both purchases and cash advances. Apply today, you’ll be glad you did!!

VISA Credit Card promo offered twice a year!!

VISA Purchase Alerts, which helps cardholders quickly identify suspicious purchases on their credit card accounts, has launched and is available at

Log on to eZCard INFO and pay your VISA credit card online, view your last five (5) transactions, view your monthly statements, and now set up your account for fraudulent transaction alerts!

Lost or Stolen VISA Credit Card? Call 1-800-991-4961

VISA Fraud Department: 1-855-961-1602

Earn Rewards Points With Your VISA Credit Card!
Did you know that each time you use your G.A.P. FCU VISA Credit Card for purchases you earn ScoreCard Rewards Points? Every card is automatically enrolled in the program, so you don’t have to wait to start earning points.

Earning Points: Use your Credit Card to earn 1 point for every $1 of your purchases online, over the phone, or at the checkout counter. Redeem your points for a variety of great rewards, including hotel reservations, car rentals and brand-name merchandise. To find out what awards are available, visit the ScoreCard Rewards website.

Redeeming Points: Visit to create your profile. Once your profile is created, you can view your reward balance, search, view all available redemption options, and redeem your points for rewards! Be sure to use your cards for all of your everyday purchases and then watch your points add up quickly!

For VISA ScoreCard questions and to redeem your points, contact:
ScoreCard Bonus Point Service Center
24 hours, 7days a week, closed major holidays
P.O. Box 31504 Tampa, FL 33631-3504

The GAP Chek Card is the easy way to pay for purchases right from your share draft account.

You can use the GAP Chek Card to get cash, groceries and gas. But that’s not all! Since our GAP Chek Card carries the VISA symbol, it’s accepted everywhere VISA cards are welcome - that's over 14 million locations worldwide!

Whether you’re shopping around the corner or around the world, you can use the GAP Chek Card to pay for everyday purchases instead of writing a check or paying cash. Use it at stores, restaurants, or for shopping over the phone or internet (be sure you are dealing with reliable merchants, and check for secured sites on the internet). It’s the hassle-free way to pay right from your checking account.


Don’t let your money give you the silent treatment. 

Get Consumer Alerts for large purchases, activity notifications, low balance warnings and more.

You choose the alerts you want to receive and how you want to receive them. Whether by text message or email, Consumer Alerts offers a convenient way for you to manage your money and help protect you from fraud by putting you in control of your account information.

Get this world-class feature from G.A.P. Federal Credit Union.

Log in to activate Consumer Alerts today!


Local ATM’s that do not surcharge in our area are affiliated with the following financial institutions*:
  • Healthcare First Credit Union
  • Franklin-Johnstown Federal Credit Union
  • First National Bank of PA
  • MERHO Federal Credit Union
  • USSCO Federal Credit Union
  • ATM located in the Altoona VA Hospital-First Floor-Main Lobby
  • ATM located inside the VFW Post 155, Johnstown
  • ATM located inside Homewood at Martinsburg
  • ATM located inside Homewood at Spring House Estates
  • Any ATM that states is surcharge free

*Subject to change without notice

There is a fee of $.25 per withdrawal at an ATM machine, but no fee for purchases. A PIN (Personal Identification Number) is only required for withdrawals*.

*To prevent unauthorized use of your Debit card: Commit your PIN to memory; Never write your PIN directly on your card, if you must keep a written record, store it away from your card; Don’t give anyone else your PIN.

Fraud Department: 1-800-327-8622

Lost or Stolen VISA ATM/Debit Card?

Call: 1-800-523-4175

Fraud Department: 1-800-327-8622

You may have to repeat the credit union name and/or even spell G A P for them to find us in the data base. 

Put an end to being overdrawn or paying overdraft fees. You can only spend the amount on your prepaid debit card, so you never overdraw a checking account.

This eliminates overdraft fees and embarrassing mistakes.

Our CUMONEY prepaid debit card is also very safe. It’s not tied to your checking or savings account, so if it’s lost or stolen, you won’t have any risk. It comes with Zero Liability Protection for your security so it’s much safer than carrying cash.

The power to manage your money is in your hands with our CUMONEY prepaid debit card. You fund it with the specific dollar amount of your choice and re-load it with more money, as you need it, at any time.

Manage Your Prepaid Debit Card From Your Computer.

Our Internet management tool lets you track your spending with just a few clicks, so you always know how much you’ve spent, how much money is left on your card, and understand your spending habits better. It’s an easy way to stay within your budget!

When your card is running out of funds, just re-load it by going to or contacting any of our offices, and enjoy the convenience of using your card wherever VISA debit cards are accepted worldwide.


Protect yourself against Plastic Card Losses! Today the average American adult owns and uses 11 “plastic cards”. Plastic card is a catchall term that refers both to debit cards–automated teller machine (ATM) and point of sale (POS) terminal cards–as well as credit cards.

Card safety starts by keeping constant control of your cards.

Remember to always:

  • Sign your cards immediately upon receipt.
  • Carry only cards you plan to use.
  • Watch all card transactions carefully.
  • Store unused cards in a secure, locked place.
  • Cut up and discard old or unwanted cards.
  • Never loan your plastic cards or personal identification number to others.
  • Inventory all the cards you own and keep the list separate from your cards.
  • Sign up for transactions alerts for your VISA credit card and set your own parameters at
    For VISA Debit Cards go to: Debit Card Alerts Registration
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