Banking that puts you first

Opening an account with Gheva is simple. You can apply online through our website or mobile app in just a few minutes. You'll need to provide identification documents (passport, driver's license, or national ID), proof of address, and complete our application form. For certain accounts, you may need to make an initial deposit. Once your application is approved, you'll receive your account details and can start banking right away.

Gheva offers a variety of accounts to meet different financial needs. These include: Basic Checking accounts with no monthly fees, Premium Checking accounts with enhanced benefits, High-Yield Savings accounts, Business accounts for small to large enterprises, and Premium Banking services for high-net-worth individuals. Each account type comes with different features, benefits, and requirements. You can compare account types on our website or speak with a financial advisor to find the best fit for your needs.

Your deposits at Gheva are protected through multiple layers of security. First, we're covered by the Federal Deposit Insurance Corporation (FDIC), which insures deposits up to $250,000 per depositor, per account ownership category. Additionally, we employ bank-grade encryption, multi-factor authentication, and continuous monitoring to protect your accounts from unauthorized access. Our fraud detection systems work 24/7 to identify and prevent suspicious activities, and we regularly update our security protocols to address emerging threats.

Fee structures vary by account type. Our Basic Checking account has no monthly maintenance fee and no minimum balance requirement. Premium accounts may have monthly fees that can be waived by maintaining a minimum balance or setting up direct deposits. Specific fees may apply for services like wire transfers, overdrafts, or foreign transactions. We're committed to transparency, so all fees are clearly disclosed in our fee schedule available on our website and in account agreements. We also offer fee-free ATM access through our network of partner ATMs.

Gheva provides multiple ways to access your accounts. Our mobile app and online banking platform are available 24/7, allowing you to check balances, transfer funds, pay bills, and manage your accounts from anywhere. You can also use our network of ATMs for cash withdrawals and deposits. For in-person service, visit any of our branch locations during business hours. Additionally, our customer service team is available by phone, email, or chat to assist with your banking needs.

Our mobile app offers comprehensive banking functionality. You can check account balances, view transaction history, transfer funds between accounts, pay bills, deposit checks remotely by taking photos, set up alerts for account activities, manage card settings (like freezing your card if lost), track spending with budgeting tools, locate ATMs and branches, and contact customer support. The app is secured with biometric authentication (fingerprint or facial recognition) and encryption to keep your financial information safe.

If your card is lost or stolen, it's important to act quickly. You can instantly freeze your card through our mobile app or online banking. For permanent deactivation and replacement, contact our 24/7 customer service at the number on the back of your card or our general helpline. You should also review your recent transactions and report any unauthorized charges. We'll deactivate your card, investigate any fraudulent transactions, and issue a replacement card typically within 3-5 business days. In urgent situations, expedited delivery may be available.

Interest rates on our savings accounts vary based on account type and market conditions. Our High-Yield Savings accounts typically offer the most competitive rates. Current rates are always displayed on our website and updated regularly. Interest is generally compounded daily and credited to your account monthly. For term deposits and CDs, rates are fixed for the term of the deposit and may be higher than regular savings rates. Special promotional rates may be available for new customers or during specific campaigns.

Yes, Gheva offers a comprehensive range of lending products. These include personal loans, auto loans, home mortgages (fixed and adjustable rate), home equity lines of credit, business loans, and credit cards. Our loan terms are competitive, with various options to suit different needs and financial situations. The application process can be started online, through our mobile app, or at any branch location. We also provide tools like loan calculators on our website to help you estimate payments and determine what you can afford.

Setting up direct deposit is straightforward. First, obtain your account and routing numbers from your online banking profile, mobile app, or by contacting customer service. Then, provide this information to your employer's payroll department using their direct deposit form. Some employers may require a voided check or a direct deposit authorization form, which you can download from our website. Direct deposits typically take effect within 1-2 pay cycles after submission. Once set up, your paycheck will be automatically deposited into your account on payday, with funds available immediately.