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No, ATM accessibility varies by location.  Not all ATMs are available 24/7 and some may have restricted access.

You can activate your debit card online at the Account Center or by emailing account@gdibank.com.

Your 4-digit PIN will be mailed to you separately from your debit card. Once you receive your PIN, you can change it online in the Account Center or by using our automated system at account@gdibank.com.

Use our ATM Locator or use our Mobile App to find nearby ATMs, including no-fee Allpoint^® and MoneyPass^® ATMs.

If your debit card is lost or stolen, please email us immediately at account@gdibank.com and a Banking Specialist will help cancel your old card and order a new card.

There are 60,000 no-fee ATMs through the Allpoint^® and MoneyPass^® networks. However, owners of a non-MoneyPass/Allpoint ATM may charge a fee. 

GDI DIGITAL will not charge you a fee for using your debit card at any ATM.

If you are at an Allpoint or MoneyPass ATM and it indicates you are being charged a fee, accept the fee and proceed with your transaction. Then notify GDI DIGITAL Bank by sending a message through our Secure Message Center or emailing us at account@gdibank.com.
Please provide the following information and we will credit your account for the fee:

• Date and time of the transaction
• ATM location
• Last four digits of your debit card
• Amount of the fee you were charged

Your GDI DIGITAL debit card is accepted at participating merchants in the United States, Canada, Mexico and the Caribbean wherever you see the GDI DIGITAL^®, PULSE^®, or Diners Club International^® logos.

Note: Federal law limits the number of certain types of withdrawals and transfers from a Money Market Account to a combined total of six per calendar month per account. There is no limit on the number of withdrawals by ATM or by Official Check mailed to you.  If you exceed these transaction limitations during any calendar month we may assess an Excessive Withdrawal Fee or refuse to pay each transaction in excess of the limitations. If you exceed these limits on more than an occasional basis, we reserve the right to close your account.

Cash over is available at participating retailers nationwide.

Note:Federal law limits the number of certain types of withdrawals and transfers from a Money Market Account to a combined total of six per calendar month per account. There is no limit on the number of withdrawals by ATM or by Official Check mailed to you.  If you exceed these transaction limitations during any calendar month we may assess an Excessive Withdrawal Fee or refuse to pay each transaction in excess of the limitations. If you exceed these limits on more than an occasional basis, we reserve the right to closeyour account.

You can use your GDI DIGITAL debit card to withdraw cash at ATMs and make purchases at participating merchants in Canada, Mexico and the Caribbean wherever you see the GDI DIGITAL^®, PULSE^®, or Diners Club International^® symbols.

Note: Federal law limits the number of certain types of withdrawals and transfers from a Money Market Account to a combined total of six per calendar month per account. There is no limit on the number of withdrawals by ATM or by Official Check mailed to you.  If you exceed these transaction limitations during any calendar month we may assess an Excessive Withdrawal Fee or refuse to pay each transaction in excess of the limitations. If you exceed these limits on more than an occasional basis, we reserve the right to close your account.

Yes. The GDI DIGITAL ATM withdrawal limit is $510 per day. Some ATMs may have lower withdrawal limits but you may complete multiple transactions until you meet the GDI DIGITAL withdrawal limit of $510 per day.

The minimum initial deposit is $2,500.

A minimum average daily balance of $2,500 is required for a Money Market account. If your average daily balance in a statement cycle (beginning with the third statement cycle) is below $2,500, there is a $10 minimum balance fee.

Below are the fees associated with your Money Market Account:

Money Market Fee Schedule
Minumum Balance Fee (Average Daily Balance per statement cycle under $2,500)	$10
Deposited Item Returned (per item)	$0
Excessive Withdrawal Federal law limits the number of certain types of withdrawals and transfers from a Money Market Account to a combined total of six per calendar month per account. There is no limit on the number of withdrawals by ATM or by Official Check mailed to you. If you exceed these transaction limitations during any calendar month we may assess an Excessive Withdrawal Fee or refuse to pay each transaction in excess of the limitations. If you exceed these limits on more than an occasional basis, we reserve the right to close your account. (per item)	$15
Stop Payment (per to stop payment for six months)	$15
Insufficient Funds (maximum 1 per day)	$30
Outgoing Wire Transfer (Domestic and International)	$30

See the Money Market Account Guide for more information.

You can access and manage your account online. Click here to login to your account. You can also access and manage your account via our mobile app available for AndroidTM and iPhone^®. If you do not have an Android or iPhone smartphone, you can still access your account on your phone from GDI DIGITALBank.com. Please remember your mobile device must be set up to access the Internet in order to use Mobile GDI DIGITALBank.com.

Not registered for the Account Center? Register Now

Federal law limits the number of certain types of withdrawals and transfers from a Money Market Account to a combined total of six per calendar month per account. There is no limit on the number of withdrawals by ATM or by Official Check mailed to you. If you exceed these transaction limitations during any calendar month we may assess an Excessive Withdrawal Fee or refuse to pay each transaction in excess of the limitations. If you exceed these limits on more than an occasional basis, we reserve the right to close your account.

Below are the transaction types that count towards the 6 withdrawals and transfer limit:

• Checks written from your Money Market Account
• Debit Card purchases
• ACH Transfers
• Wire Transfers (a fee applies)
• Online Transfers
• Online Bill Payments 
• Transfers to repay loans at GDI DIGITAL Bank

Please note that withdrawals by ATM and Official Bank Checks that are mailed to you do not count towards the limit.

If you request a debit card and checks, you should receive them within ten days after your account is opened. Additionally, you will receive a Personal Identification Number (for your debit card), in a separate mailing, a few days after receiving your card. Once you receive your PIN, you can change it online in the Account Center or over the phone through our automated system at account@gdibank.com.

You may reorder additional checks or deposit tickets online via the Account Center. You can also contact us at account@gdibank.com and a Banking Specialist can assist you with your order.

To request a stop payment on a check, contact us at account@gdibank.com with the check's date, amount, number, and payee name (if available).

Yes, your money market account is eligible for enrollment in our overdraft protection service. Click here for more information about overdraft protection.

In each calendar year (January 1 through December 31), the first eligible fee charged to each eligible account (which includes Cashback Debit, Money Market and Savings accounts) will be automatically waived and credited to your account. Eligible fees include:

Product	Fees Eligible for First Fee Forgiveness
Cashback Debit	Insufficient Funds and Stop Payment
Money Market	Excessive Withdrawal, Insufficient Funds, Money Market Minmum Balance and Stop  Payment
Savings	Excessive Withdrawal, Insufficient Funds and Stop Payment

Wire transfer fees are not eligible and will not be waived.

First Fee Forgiveness will be reflected on your monthly statement as a credit in the deposits and credits section in the month it is applied to your account. It will also be shown in the transaction details in the Account Center.

If your account is charged two eligible fees on the same day, the highest eligible fee will be forgiven.

Each account is eligible to have one, but only one, of the eligible fees (Excessive Withdrawal, Insufficient Funds, Stop Payment, or Money Market Minimum Balance) waived in a calendar year. An account's eligibility for first fee forgiveness will reset January 1st of each year.

See section 37 of the Deposit Account Agreement for full details of the First Fee Forgiveness program.

Apple Pay is a payments feature that allows you to add your credit and/or debit card to a supported Apple^® device through the Wallet app and make purchases at participating merchants.

Currently, the following devices are eligible:

• iPhone 6 or later 
• Apple Watch or later paired with an iPhone 5 or later
• iPad Pro^®, iPad Air^® 2, iPad mini^® 3 or later

Open the Wallet app on your iPhone or iPad, tap  and follow the instructions for “Add Card.”Once completed, you will receive a confirmation email informing you that your card has been added.

You can use Apple Pay in-store at many of the places you shop every day. Some mobile apps also allow you to make online purchases using Apple Pay.

GDI DIGITAL does not charge a fee for using your debit card via Apple Pay. Message and data charges may apply depending on your wireless plan.  

Yes, you can set up recurring charges via Apple Pay with your debit card.  If you choose to freeze your debit card, recurring charges will continue. New purchases will not be authorized.

Freezing your debit card tells GDI DIGITAL that you don’t want us to authorize new purchases (in-store, online, mobile or by phone) or ATM transactions until you unfreeze. New Apple Pay purchases will not be authorized when the debit card is frozen. Recurring charges will continue even while your debit card is frozen.

You can freeze or unfreeze your debit card in seconds via the GDI DIGITAL mobile app, website or over the phone.

Freeze your debit card if you temporarily misplace your card and don't want to change your debit card number. It's easy to freeze or unfreeze your debit card in seconds, via the mobile app, website or over the phone by emailing account@gdibank.com.

Freezing your debit card tells GDI DIGITAL that you don't want us to authorize new purchases (in-store, online, mobile or by phone) or ATM transactions until you unfreeze.

• Most account activity will continue as normal, including:
• Scheduled and recurring transactions
• Internal/external transfers (single or recurring)
• Deposits, including mobile check deposits
• Online bill payments from the GDI DIGITAL Account Center
• Returns, credits and dispute adjustments 
• Reward redemptions
• Checks can be written and cashed

Remember, your account number and debit card number will not change when you freeze your debit card. Only the debit card you choose will be frozen, any other cards associated with this account will not be impacted.

Yes. You can unfreeze your debit card in seconds via the mobile app, website or over the phone, so you can continue using your debit card as you did before you froze. Remember, your debit card number and account number do not change when you freeze or unfreeze your debit card.

If you think your debit card is lost or stolen, please contact us immediately so we can send you a new card with a new number. You can report a lost or stolen debit card by emailing us any time at account@gdibank.com.

You can freeze or unfreeze your debit card in seconds via the mobile app, website or over the phone.

Only the owner of the debit card will be able to freeze and unfreeze the debit card. If more than one debit card has been issued to access your checking or money market account, such as a joint accountholder debit card, then the joint accountholder will need to freeze their own debit card.

Your debit card will remain frozen until you request the debit card be unfrozen, via our mobile app, website or by emailing us any time at account@gdibank.com.

Freezing your debit card temporarily blocks new purchases and ATM transactions, but your debit card number does not change. When you report a card lost or stolen, your existing card is immediately deactivated and a new debit card with new debit card number will be issued and mailed to you.

Also known as EMV or smart chip technology, it provides added security at chip-enabled store terminals and ATMs. Many countries have already adopted chip technology. And now, U.S. merchants and card issuers are starting to adopt it, too.

You can use chip cards in one of two ways. If you are at a merchant location that does not have chip-enabled terminals, you can swipe using the magnetic stripe on the back of your card as usual.

At merchant locations that already accept chip cards, you'll be prompted to insert your card into the chip-enabled terminal. Be sure to leave the card in the terminal until the transaction is completed.

When in doubt, swipe your chip debit card. If the terminal is chip enabled, it will recognize that your debit card has a chip and will prompt you to insert it instead.

Your GDI DIGITAL debit card is accepted everywhere you use it today. When retailers update their terminals to accept chips, just insert your card instead of swiping the magnetic stripe.

Your new GDI DIGITAL debit card with chip technology can be used with a signature or PIN depending on the terminal. At chip-enabled terminals, you will be prompted to provide your signature or PIN. In some situations, you may not need to provide either one.

You will receive a chip debit card when your current debit card expires, if your card is lost or stolen, or if you experience fraud on your account.

Each owner who has a debit card will receive a new chip debit card when their current card expires. If your debit card is lost or stolen, only the person with the lost or stolen card will receive a new chip debit card. If you request a new chip card early, only the requester will receive a new card.

No. New customers will only receive a chip debit card.

Yes. Your debit card number, security code, expiration date and PIN will change. Because of this, we recommend updating all places where you have previously linked your debit card, including any automatic bill payments. Please note, that if you have a joint account and only one person on the account requests a chip card, then only that person will receive a new chip debit card.

When you insert your chip debit card at a chip-enabled terminal, the embedded microchip generates unique, dynamic data for each transaction. This makes it difficult for fraudsters to duplicate your account information, which in turn, can reduce the risk of fraudulent transactions on your account.

Chip technology provides an additional layer of card security. Chip cards make it difficult for hackers to copy and use your debit card information when used at chip-enabled terminals. Other benefits include:

• Ease of Use: It's still a debit card, so just use it like before. Once merchants adopt this technology, the terminals will prompt you to insert your card.
• Added Security: The chip helps protect against fraud because it creates unique transaction data when the card is used at chip-enabled terminals in stores and at ATMs.
• Fraud Protection: As always, you're never responsible for unauthorized transactions on your GDI DIGITAL debit card.

No. Your GDI DIGITAL debit card with chip technology requires contact with the terminal's chip reader. Waving your card in front of the terminal will not work.

No. Your GDI DIGITAL debit card with chip technology replaces your other card. Once you activate your chip card, which also has a magnetic stripe, your old debit card will be deactivated.

• Complete an online transfer from an eligible GDI DIGITAL Bank account
• Complete an online transfer from an external bank account to your Money Market account
• Set up Direct Deposit 
• Deposit a check with GDI DIGITAL's Mobile Check Deposit using your mobile device  
• Mail a check that includes your account number, made payable to you or GDI DIGITAL Bank to:

          GDI DIGITAL Bank

• Travelers Checks are not accepted for deposit

You can withdraw money from your Money Market Account in the following ways:

• Online transfer to an external bank account or another GDI DIGITAL Bank account
• Online bill pay 
• Write a check 
• Request an official Bank Check
• From over 60,000 ATMS through the Allpoint^® and MoneyPass^® networks   
• From any ATM nationwide where you see the GDI DIGITAL^®, Pulse^®, or Diners Club International^® logos(fees may apply)
• Cash over at participating retailers   
• Domestic Wire Transfer (a fee applies)
• International Wire Transfer (a fee applies)

Click here to locate an ATM near you.

Note: Federal law limits the number of certain types of withdrawals and transfers from a Money Market Account to a combined total of six per calendar month per account. There is no limit on the number of withdrawals by ATM or by Official Check mailed to you.  If you exceed these transaction limitations during any calendar month we may assess an Excessive Withdrawal Fee or refuse to pay each transaction in excess of the limitations. If you exceed these limits on more than an occasional basis, we reserve the right to close your account.

You will start to earn interest on the business day we receive your deposit.

Interest is compounded daily and credited to your account monthly.

Online Bill Pay is a free online service you can use to pay most companies and individuals via your GDI DIGITAL Money Market Account.

You will need to log in to your account to enroll in Online Bill Pay. Your account must have a positive available balance

Your "available balance" is the amount of the account's "current balance" that is available for immediate use. Certain pending transactions,such as deposits that contain checks, may not be immediately available and wouldn't be included in the available balance.

on the day you enroll. Once enrolled, select "Make a Bill Payment" from the Payments drop down.

No. GDI DIGITAL Bank's Online Bill Pay service is offered at no charge.

Note: There is a maximum limit of six (6) withdrawals and transfers per calendar month from money market accounts. If you exceed the maximum withdrawals or transfers we may assess an excessive withdrawal fee or refuse to pay each transaction in excess of the limits. If you exceed the transaction limitations on more than an occasional basis, we reserve the right to close your account or change your account to a checking account.

You can use Online Bill Pay for your utilities, credit card payments, insurance premiums or other companies. You can also pay individuals, such as landlords, contractors, relatives, etc.

Note: Payments to governmental agencies, including but not limited to, the Internal Revenue Service, all state and local tax authorities, collection agencies, as well as recipients of court-ordered payments like child support or alimony are highly discouraged and are not covered by our Bill Pay Protection policy in our Online Security Guarantee.

*Federal law limits the number of certain types of withdrawals and transfers from a Money Market Account to a combined total of six per calendar month per account. There is no limit on the number of withdrawals by ATM or by Official Check mailed to you. If you exceed these transaction limitations during any calendar month we may assess an Excessive Withdrawal Fee or refuse to pay each transaction in excess of the limitations. If you exceed these limits on more than an occasional basis, we reserve the right to close your account.

Yes, bill payments to individuals or organizations outside of the United States are not eligible for the Online Bill Pay service.

In addition, payments that violate any law, statute, ordinance or regulation, and any payments related to illegal gambling, illegal gaming and/or any other illegal activity are prohibited through the service.

Your bill payments may be processed using one of several methods: electronic payment, single check, or laser draft check. Both the single and laser draft checks result in a physical check being mailed to the payee. GDI DIGITAL Bank guarantees that your bill payment will reach your Payee by the "Deliver By" date. Single checks are only valid for 90 days.

An "electronic payment" means funds are withdrawn immediately from your account and sent electronically (via the Automated Clearing House (ACH)) to the payee.

One-time bill payments cannot be scheduled for delivery on a weekend or holiday. However, if a repeating bill payment is scheduled for a weekend or holiday, the payment will be initiated to the payee on the preceding business day.

The term eBill stands for "electronic bill" and is an electronic version of your paper bill delivered to you automatically through the Account Center. Once enrolled for eBills, you will have the ability to view and pay bills online anytime.

To sign up to have your bills sent electronically, you will need to log in to your account and select the “eBills” option from the drop down menu under the Payments tab. Once on the bill payment page, select “Manage eBills” and choose the appropriate payee from the Request/Cancel eBills drop down menu.

Each payee determines whether or not they will support eBills. For questions about a particular payee's policy, please contact the payee directly.

To unenroll from an eBill, you will need to log in to your account and select the “eBills” option in the drop down menu under the Payments tab. Once on the bill payment page, select “Manage eBills” and select the payee from the Request/Cancel eBills drop down menu.