Gesa Credit Union

Xpress Online FAQ

Welcome to the Xpress Online FAQ. Please search and click on the question that most closely matches what you’re looking for. If the answers below do not answer your question, please contact eServices. We will continue to update this section with the most frequently asked questions about Xpress Online.

System and Web Browser Requirements for Xpress Online

What should I do to maintain the security of my personal and financial information?

At Gesa Credit Union, security is one of our primary responsibilities. With this in mind, we have taken the necessary steps to provide our members with state-of-the-art security for Xpress Online. Our infrastructure, coupled with the security features built into your browser and operating system, can provide you with a secure environment, but only if you do your part. To help maintain the security of your accounts, follow these guidelines:

  • Choose a strong password.
  • Maintain the security of your Sign-On ID and password.
  • Protect your computer from malicious programs and intruders by running an anti-virus utility and maintaining a firewall.
  • Make sure you have applied the latest security patches to your web browser and operating system.
  • Protect yourself from e-mail fraud.

For more detailed instructions on each of these guidelines, refer to our Security Information.

What hardware, software, and services do I need for Xpress Online?

You will need an internet capable device, internet access, and the most current version of an internet browser supported by your operating system.

In order to provide you with the maximum level of security, we require that you use a browser that supports at least 128-bit encryption. Browsers that fulfill this requirement include: current versions of Microsoft Internet Explorer, Firefox, Chrome, Edge, and Safari. You may need to upgrade your browser to this level of encryption.

What is 128-bit encryption? Why do I need it?

Encryption is the process of encoding a message so that only the sender and the recipient can tell what the message really says. A simple way to encrypt this sentence, for example, would be to substitute a number for each letter, according to the position of that letter in the alphabet: 1 for "a", 2 for "b", and so on. As you can imagine, this method of encryption could be easily decoded.

Gesa Credit Union uses a combination of security technologies to protect its members, their transactions, and the Institution itself. Each member has a unique Sign-On ID and password that they must use in order to enter the Xpress Online service. You, the member, play a key role in maintaining security by ensuring that your Sign-On ID and password remain confidential at all times.

A Digital Certificate and your browser's Secure Socket Layer (SSL) ensure 128-bit encryption of your banking transactions. Firewalls and Intrusion Detection Services at each point of entry prevent intrusion into the Xpress Online service.

How Do I Sign Up for Xpress Online?

Can I choose my own Sign-On ID and password?

When you enroll online you can choose your own Sign-On ID and password. If you choose to come into a MSC, we enroll your account(s) and you choose a Sign-On ID and password. When you login for the first time, the Xpress Online service will require that you change your password. This means that everyone who uses Xpress Online gets to choose their own password.

Passwords can contain letters and numbers, and must be between eight (8) and fifteen (15) characters long. Passwords are case sensitive, so a password of "abc123zyx" is different "ABC123ZYX".

How should I choose a strong Xpress Online password?

To safeguard your important financial information, you must use secure passwords which hackers cannot re-create. In general, you should consider the following guidelines:

Secure Password Guidelines

  • Passwords with numbers, symbols, and letters are more secure.
  • Passwords that use both uppercase and lowercase letters are more secure.
  • Longer passwords are more secure.

Start with a longer phrase, instead of basing your password on just one word. Here are two ways to begin:

  • Use a sentence. Choose a whole sentence or phrase as your password. For example, you could use a phrase: To be or not to be.
  • Use first letters. Choose a phrase that is easy for you to remember and then use the first character of each word to make your password.

For example, the phrase "Make each day your masterpiece" becomes part of something you could use for a password: Medym.

Important Note: Because passwords are required to have at least one upper and lower alpha character (A-Z & a-z), one numeric character (0-9), and at least one special character (! + & @ - . , : # $ % _ ? ~ ` ' ( ) [ ]), the previous two password examples would not be accepted by the system because they don't contain any numbers.

Securing Passwords
You can make your sentence or phrase even more secure by replacing vowels or words with special characters and numbers. You can also misspell words, drop letters, or use your imagination to add symbols.

  • Replace to and too with 2
  • Replace and with &
  • Replace for with 4

What should I do if I forget my password?

If you know your Sign-On ID, but you forgot your password for your personal accounts, you can recover your password by clicking on the "Forgot your password?" link and following the directions. If you require additional assistance, please call Gesa at 888.946.4372 during normal business hours, or contact eServices.

If you forgot your password for your business sub user accounts, you must call the System Administrator for your company. This is an individual within your company who was enrolled as the System Administrator. If you are the System Administrator, please call Gesa at 888.946.4372.

What do I do if I cannot find my Sign-On ID and password?

If you forgot your Sign-On ID for your personal accounts, you must call Gesa at 888.946.4372 during normal business hours, or contact eServices..

If you forgot your Sign-On ID for your business accounts, you must call the System Administrator for your company. This is an individual within your company who was enrolled as the System Administrator. If you are the System Administrator please call Gesa at 888.946.4372.

What Can You Do with Xpress Online?

What functions are available online for my accounts?

WWhen you enroll your accounts for Xpress Online, you will be given associated functionality based on the type of accounts enrolled.

Can other people access my financial information?

Your Sign-On ID and password are unique so that only you have access to your accounts through Xpress Online. All financial information that is kept or transferred is done so over a secure connection.

Keep in mind, however, that you yourself have a critical role in maintaining the privacy and security of your account. To help ensure the security of your financial information, follow these rules:

  • Do not give your Sign-On ID and password to anyone. If two or more people share a Sign-On ID and password, Gesa Credit Union has no way to tell which of those people actually performed a given transaction. You are responsible for any transaction performed using your Sign-On ID and password.
  • Do not leave your Sign-On ID and password out in the open where anyone passing by can see it.
  • Do not leave your computer unattended while you are logged in to Xpress Online. If you leave your computer unattended while you are signed on, anyone passing by could use your computer to perform any of the transactions that you are authorized to perform.
  • Always sign-off at the end of an Xpress Online session. This will terminate your session, which will prevent someone from using your browser's Back button to return to a session that has not yet timed out.

Use good judgment to ensure that your financial information remains secure. Gesa Credit Union is not responsible for nonpublic personal information or financial information that becomes public because you did not maintain the security of your Sign-On ID and password. Gesa Credit Union is also not responsible for financial loss that occurs because you did not maintain the security of your Sign-On ID and password.

How do I setup my Account Nicknames?

As a simple way to identify your accounts on Xpress Online or Xpress Mobile, you may customize your account nicknames by clicking on the "Account Services" tab in Xpress Online, then account management. Now, click on the "Account Nickname" you want to change, and when you’re finished, click save.

Can I Transfer money to and from accounts outside Gesa Credit Union?

You may transfer funds to and from Gesa Credit Union by clicking on the "Transfer Funds" tab. If you do not have an external account associated, you will need to add one by clicking the "External transfer" button in the left menu then clicking "Add External Account." After the external account has been verified, you can use the "External transfer" button.

How to Access Your Gesa Accounts Online?

How do I login to Xpress Online?

To login to Xpress Online do the following:

  • Go to and on the right hand side enter your Sign-On ID for Xpress Online Login.
  • Click enter or the Login Button.
  • Enter your password in the field next to the label Password.
  • Click on the green button that says Sign-On.
  • Wait until the Xpress Online service displays your account list.

If you have a problem logging in, refer to our Troubleshooting section.

How do I sign off from Xpress Online and why is it so important?

It is very important that you end each Xpress Online session by signing off. To sign-off, click on the Sign-Off link on the right side of any Xpress Online page. This will end your Xpress Online session.

Why is this so important? Because of the way the Web works, signing off is the only way the Xpress Online service knows that you have ended your session. If you leave Xpress Online without signing off - by going directly to another web site, for example - the Xpress Online service keeps your session alive for up to 20 minutes while it waits to see if there is something more you want to do. This can be a security risk; if you leave your PC unattended during this time, someone could use your browser's Back button to return to your active session.

Is Xpress Online available all the time?

Xpress Online is generally available for 24 hours a day, seven days a week, 365 days a year. We occasionally have scheduled maintenance periods; we will notify you of scheduled maintenance. During backups and maintenance, the Xpress Online service is not available. The service may also be unavailable due to unscheduled maintenance or other technical problems, but we try our best to make these interruptions as infrequent as possible.

If you do happen to find Xpress Online down and there are no scheduled maintenance messages on the home page please contact eServices.

Can I use my browser's Back and Forward buttons to go from one Xpress Online page to another?

In general, you should never use your browser's Back or Forward buttons to go from one Xpress Online page to another. If you are doing a transaction -- such as paying a bill, or transferring money -- use the buttons at the bottom of the page to either complete the transaction or cancel it. Use the buttons at the top of a page to perform a function related to that page, such as Add Payee or List Payees. If you are viewing information and want to go to another page, use the menu on the left-hand side or tabs at the top of each page.

What account information can I see online?

Xpress Online shows you a list of your accounts, summary information about each account, a transaction register, lists of pending bill payments and transfers, and lists of your payees. Initially, Xpress Online will display up to 90 days of history for your accounts. Xpress Online stores up to a year of transaction history by the time you have been using it for ten months.

Xpress Online reports allow you to see summary and detail information about your accounts. You can assign transactions to categories that you define, and then report on transactions using those categories.

Do I have any control over the account detail that is displayed?

After clicking on the Account Services Tab, the Page Options link on the left-hand menu allows you to set the number of lines displayed on each page of your Register, how many days of history, and add or remove categories. Also at the bottom of each Register you can temporarily change the number of lines to view.

You can also use the advance search option to view up to a year’s worth of transactions on the selected account.

Does Xpress Online work with other accounting software (i.e., Quicken®, Quickbooks®)?

Absolutely. Xpress Online was designed to be highly compatible with these popular software products. You can access the export capability from the Transaction Activity screen.

How to Make Online Payments?

How current is this information?

All transactions and balance updates are performed in real time. Any transactions you perform today that change your balance (i.e. deposits, ATM withdrawals) will be reflected the same day.

Should the payment date I give be the date the payment is actually due?

No. You need to allow some time for the payment to reach your payee and for the payee to process the payment, so enter a date before the actual due date. Be sure to take into account that, although you can schedule a payment at any time, payments are actually initiated (sent to the payee) only on business days.

How soon are the funds actually taken out of my account?

Bill payments are processed exactly as if you had processed the payment yourself. If the payment is made by an online check, the funds will be taken out of your account when your payee deposits the check and the item clears the credit union. If the payment is made electronically, the funds are withdrawn the date the transaction is processed.

What happens if I don't have enough money in my account to cover a bill payment?

If a bill payment is scheduled to be sent by check to the payee and your account has sufficient overdraft protection to cover the payment, we'll draw against that. Otherwise, the payment will be returned for insufficient funds.

When and how are my payments delivered and how can I ensure that my payee receives my payment on the due date?

When you select your payee the system will denote “Check” or Elec” at the end of the payee name to identify the method that will be used to process the payment.

  • Electronic payments are delivered within one (1) Business Day after the Send Date.
  • Most Check Payments are delivered within seven (7) Business Days after the Send Date.

Excluding Grace Periods you should allow enough time for your payee to receive and post payments to your account.

When you schedule a payment, Xpress Online warehouses the payment until it is time to process it. The time to process will vary depending on how the payment is to be made and how long it will take to get the payment to the payee.

Once the system has determined that it is time to process the payment, the payment is changed to a processing status. The payment is then processed by conducting an electronic funds transfer, or a check is produced and made payable to the payee from your account. The check is then sent to the payee via regular mail.

Why does it take a few days to process payments?

Although a number of payees accept payments electronically, many do not. For those that do not accept electronic payments, we must send a check to that payee through the U.S. Mail. Once it is received by the payee, it may also take a day or so for that payee to process the check and post it to your account. Even for electronic payments, it may take two or three days for your payment to be posted. By allowing a few days for processing and delivery, we can guarantee that your bills are paid on time.

What should I do if a payee has not posted my payment?

You need to allow a few days for your payee to process your payment. If your payee has not posted the payment to your account after a few days, you should first contact the payee to confirm they received payment, and if not then in the "Payment" Tab:

  1. Click on the payment in question.
  2. Under status click "Delivered".
  3. Click "Request Research on this payment."
  4. Fill out the questionnaire and click "Request Research."

The payment will then be traced and a status response will be sent to you.

How can I prove payments and transfers were made?

With each payment and transfer, you are given a reference number so you know we received it. In addition, payments and transfers will appear on your transaction register so you can see they posted. You'll also continue to receive your monthly statement in the mail from your payee.

How will the payments be made?

We use two methods of payment:

Electronic - Xpress Online sends an electronic credit to your payee and electronically debits your checking account on your scheduled send date.

Laser Draft - A laser draft looks and acts just like one of your personal checks, which is mailed and usually received within seven (7) Business Days of the scheduled send date.

Can I choose the method of payment?

No. Xpress Online will process the payment electronically if possible. If not, then a laser draft is produced. Over time, some payees which could not accept electronic payment may be able to. They will then begin being paid electronically.