Online Banking FAQ

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The GDI DIGITAL Bank routing number is 031100649. It is used for electronic transfers made by ACH (including Direct Deposit) and for domestic wire transfers (from another financial institution within the U.S.).

Follow the steps below to send an outgoing wire transfer. Please make sure your request is submitted at least 2-3 days in advance of when you would like us to process your wire to ensure pre-processing can be completed; allow additional time if mailing your request.

International and Domestic Wire Transfer requests received and verified before 3:00 PM ET on a business day will be processed the same day. Requests received and verified after 3:00 PM ET on a business day or any time on a weekend or holiday will be processed by the next business day.

As a reminder, all wire transfer requests require verbal authorization before they can be processed. Once you submit your request, you must email us to authorize it. Failure to do so will result in longer processing times and a possible cancelled request.

You can submit a wire transfer request through the Account Center, or by downloading, completing, and submitting the paper form.

Submit Online    

Download Form 

Once you have completed your Wire Transfer Request Form, you can submit it through any of the following methods:

  • Upload the form through Secure Document Upload
  • Fax the form to 1-224-813-5213, Attention "Wire Transfer Request"
  • Mail the form to GDI DIGITAL Bank,

There is a $30 wire transfer fee for each outgoing wire transfer sent from your GDI DIGITALaccount.

For domestic wire transfers (from another bank in U.S.), please wire funds to:    

  • Beneficiary Bank: GDI DIGITAL Bank
  • ABA/Routing Number:
  • Beneficiary Bank Address (if required):
  • Beneficiary Name: Your name (as it appears on your GDI DIGITAL Bank account)
  • Beneficiary Account Number: Your GDI DIGITAL Bank account number

For international wire transfers (from another bank outside the U.S.), please wire funds to:

  • Beneficiary Bank:
  • ABA/Routing Number:
  • SWIFT Code:
  • Beneficiary Bank Address (if required):
  • Beneficiary Name: GDI DIGITAL Bank
  • Beneficiary Account Number:
  • For Further Credit to: Your name (as it appears on your GDI DIGITAL Bank account) and your GDI DIGITAL Bank  account number

Wire transfers received before 4:00 PM ET will be posted to your account on the business day we receive them.

Wire transfers received after 4:00 PM ET will post to your account the following business day, with an effective date of the business day the funds were received.

Some wire transfers may require additional processing time. In those cases, your wire transfer will post to your account upon completion of processing, with an effective date of the business day the funds were received. If it has been more than 2 business days since your inbound wire was sent and it has not yet posted, feel free to email us at 1-800-347-2683.

For domestic wire transfers received, GDI DIGITALdoes not charge a fee.

For international wire transfers received in U.S. Dollars, GDI DIGITALdoes not charge a fee.

For international wire transfers received in a foreign currency, the currency exchange rate is determined by our designated intermediary bank and will impact the amount received by GDI DIGITAL. Our designated intermediary bank may also apply a $20 currency exchange fee.

Note: If an intermediary bank not designated by us is used in the transfer process, that intermediary bank may charge you a fee for their services that could impact the total amount we receive.

Our registration process is quick and easy-with three simple steps. When you register, you will need to provide one of your GDI DIGITAL Bank account numbers and verify the security information provided when you opened your account. If you have multiple bank accounts with us, you will only need to register once as all your bank accounts are automatically linked to your online profile. To register for online banking, click here.

You can also manage your account via our mobile app. Click here to learn more about mobile banking. 

Your Username must be between 6-16 characters in length and can contain letters, numbers, and most special characters. Your Password must be 8-32 characters in length and must contain at least 1 letter and at least 1 number. Your Password is case sensitive and can contain most special characters.

If you forget your User ID or Password, click here. If you are still unable to log in, email us at [email protected].

Yes. Each joint owner must register separately to securely protect his/her personal information. Account holder(s) should not share User IDs or Passwords.

Overdraft Protection is a link between your Checking, Money Market or Savings account and another deposit account that transfers funds in order to avoid the inconvenience of returned items and insufficient funds.  You can link a GDI DIGITALaccount so that funds in a funding account can be automatically used to cover transactions in your protected account that would otherwise be returned unpaid.

Overdraft Protection is used to cover transactions like checks, online bill payments and ACH transfers initiated at another bank. It does not apply to ATM, debit card transactions or transfers initiated at GDI DIGITAL.

In the event your protected account does not have sufficient available funds to cover an eligible transaction, the Overdraft Protection service will automatically initiate a transfer of funds from your designated funding account to your protected account in the overdrawn amount.

See the Overdraft Protection Service Agreement Addendum for complete details.

Your protected account is the account you choose to provide funding to from another account if there are not sufficient funds to cover your transactions. Cashback Debit, Money Market and Online Savings accounts can be set up as a protected account.

Your funding account is the account in which you wish to provide funding from in the case that sufficient funds are not available in the protected account to fund transactions.

Cashback Debit, Money Market and Online Savings accounts can be set up as a funding account.

Online Bill Payments, electronic transfers initiated externally and checks are covered by Overdraft Protection. Debit Card purchases and ATM withdrawals are not covered.

There are no fees associated with using GDI DIGITAL's Overdraft Protection Service. No fee is assessed for enrolling in or using GDI DIGITAL's Overdraft Protection Service to cover transactions.

However, your account may be subject to other fees if there are insufficient funds to cover any overdraft(s) or you exceed your account's transaction limitations. 

If the amount overdrawn from your protected account is not available in your funding account, we will initiate the Overdraft Protection Service to cover as many eligible transactions, from lowest dollar amount to highest dollar amount, as there are available funds in your funding account. 

For the transactions where sufficient funds are not available in your funding account, you will incur an Insufficient Funds Fee and those transactions will be returned unpaid.

See the Overdraft Protection Service Agreement Addendum for complete details.

When you are logged into your online account via the Account Center, select Overdraft Protection under Accounts. This will direct you to the Overdraft Protection enrollment page.

You are only allowed to identify one funding account for each of your protected accounts at a time.

You are only allowed to use an account as a funding account for one protected account at a time.

An account can only be used once, as a protected or funding account, as part of the Overdraft Protection Service.

We may need to send you an identification code via text message, phone call, or e-mail to verify your identity. This might occur when you log in from an unrecognized computer or mobile device, or for certain transactions like changing your profile information. There's no need to sign up; this is an automatic service for your added security and protection. Once you receive the code, you will need to enter it when prompted.

Be sure to check your Junk or Spam folder in your e-mail account. You can also select a different method of delivery for another identification code.

Use the most recent identification code and disregard the previous ones you received; they are no longer valid when you request a new one.

Yes, your identification code is temporary and will expire if you don't use it within a certain time period. If needed, you can request a new one by clicking the "Get New Code" button.

If you already have an identification code, there is a link at the bottom of the page to "Go to next step" - you can use this option to continue.

Keeping your browser up-to-date is important for both security and ensuring that web pages load properly. Updating your browser also helps ensure that you have the best online experience possible

For security reasons, you'll need to update your browser in order to view GDIBANK.COM/ and access the Account Center.

Click here for more information about identifying your browser and how to update your browser or contact a Customer Service representative at [email protected].

With the GDI DIGITALMobile App for Android, iPhone, and tablet you
are able to:

  • Deposit Checks via our Mobile Check Deposit Service
  • View account balances and see recent account activity
  • Pay bills via our Bill Payment Service  
  • Set up one-time or recurring transfers
  • View scheduled transfers and payments 
  • Contact customer service 
  • Redeem your Cashback Bonus 
  • View your account number & routing number   
  • Update your Profile & Settings  
  • Find no-fee ATMs nearby    
  • Manage Alert preference

Click here for more information or to download our Mobile App. You can also download the app by texting *APP to DISCOV.

Passcode allows you to create a numerical 4-digit code which makes logging in faster and easier. You may enter only your Passcode instead of your full User ID and Password to access your account.

To enable Passcode:   

  • Navigate to Profile & Settings in the mobile app      
  • Select Passcode   
  • Slide the switch to ‘On’ and follow the on-screen guidance

If you have Passcode enabled and would like to disable it:

  • Navigate to Profile & Settings in the mobile app 
  • Select Passcode 
  • Slide the switch to 'Off'

You can disable your Passcode at any time. If you have Passcode enabled on more than one device, it will continue to be enabled on those devices until you disable it for each device. You can also email [email protected] to have a Banking Specialist disable your Passcode on all your devices at one time.

To protect your account, we advise that you email [email protected] to disable Passcode on all your devices. This will prevent others from attempting to log in to your account with your Passcode.

For security purposes, you will be locked out of the application after a certain number of failed attempts. If your account becomes locked, please email our Banking Specialists at [email protected] to unlock your account.

Quick View allows you to see your account activity from the login screen of the GDI DIGITALMobile App. This way, you can access your information easily without having to log in to your account.

To enable Quick View:     

  • Navigate to Profile & Settings in the mobile app       
  • Select Quick View
  • Slide the switch to 'On'

If you have Quick View enabled and would like to disable it:

  • Navigate to Profile & Settings in the mobile app
  • Select Quick View
  • Slide the switch to 'Off'

You can disable Quick View at any time. If you have Quick View enabled on more than one device, it will continue to be enabled on those devices until you disable it for each device. You can also email [email protected] to have a Banking specialist disable your Passcode on all your devices at one time.  Once it’s turned off, the Quick View button will continue to appear but your account information will not be available.

In the event that your mobile device is lost or stolen, please email us immediately at [email protected] to disable Quick View.

Fingerprint login for iOS and Android devices allows you to securely access your account with your fingerprint instead of typing in your login information or Passcode.

Fingerprint login is available for Apple devices with Touch ID® technology (iPhone 5S and newer), and for Android devices with built-in fingerprint readers.

In order to use Fingerprint login, you must first have the Passcode function enabled. To enable both Passcode and Fingerprint:

  • Log in to the GDI DIGITALMobile App and navigate to Profile & Settings
  • Select either "Touch ID®" if you are using an iOS device or “Fingerprint” on Android. You will then be guided through setting up a Passcode and Fingerprint login

If you cancel out of the Fingerprint pop-up box when launching the GDI DIGITALMobile App, you will be taken to the Passcode keypad for login, where you can choose Fingerprint below and to the right of Passcode.

After a number of unsuccessful attempts, Fingerprint login will be temporarily disabled until you log in to your device using the Passcode. Please make sure you have the correct fingerprint saved by going to the "Settings" menu of your device.

If you have Fingerprint login enabled and would like to disable it:

  • Navigate to Profile & Settings in the mobile app
  • Select either “Touch ID®” if you are using an iOS device or "Fingerprint" on Android
  • Slide the switch to “Off”

Enabling Fingerprint login grants GDI DIGITALaccess to validate your fingerprint against any of the fingerprints stored on this device. GDI DIGITALdoes not store or maintain your fingerprint.

For information about funds availability and transfer limits, please see section 15 in the Deposit Account Agreement.

The following limitations apply to online transfers initiated through GDI DIGITAL Bank's Account Center:

  • Incoming limit is $250,000 per 30-day rolling period for each Account Center registered owner.
  • Outgoing limit is $250,000 per 30-day rolling period for each Account Center registered owner.
  • The limits above are subject to a combined incoming/outgoing limit of $300,000 per 30-day rolling period for each Account Center registered owner.

Note: The transfer limits noted above only apply to transfers initiated at GDI DIGITAL Bank through the Account Center. Transactions initiated externally do not have limits from GDI DIGITAL Bank, other than the limitation of available funds in your Account, but may be limited by the external financial institution.

Additional restrictions may apply. See the Account Center (Banking) Agreement for complete details.

Yes. Each time you log in, we will authenticate you with your user ID and password and your session will time-out after a period of inactivity.

No, GDI DIGITAL Bank will never send you an e-mail requesting you to reply directly in an e-mail with any personal information such as:

  • Account numbers
  • Account Center user ID or password
  • Birth date
  • Social security number

If you do receive a suspicious email, please email us immediately at [email protected].

You will have the option to enroll in paperless statements during the online account opening process or from the "Accounts" tab when you are logged into your account. Please note that only Primary Accountholders can enroll for paperless statements.

Money Market, Savings, and Checking statements are available monthly. CD statements are available quarterly, and IRA CD statements are available annually. You will receive an email when the statement is available.

If you are enrolled in paperless statements, your paper statements for Money Market and Savings accounts will be mailed to you at the completion of each statement cycle. Statements should arrive within 5-10 business days of your statement cycle date. CD statements will be sent quarterly, and IRA CD statements will be mailed annually.

Please note that Cashback Debit accountholders are automatically enrolled in paperless statements when they open their account and will not have the option to receive a paper statement or unenroll from receiving electronic statements.

A POD Account is an account where a beneficiary has been named. Upon the death of the accountholder(s), the funds in the account will be distributed evenly to each beneficiary who survives the account holders(s) (or to his or her representatives as applicable).

Login to the Account Center at GDI DIGITALBank.com, go to the Forms and Documents page and download the Add/Remove POD form. Click here to access a POD form directly.

Submit your form by mail or fax.

  • Fax: 1-224-813-5220
  • Mail:
    GDI DIGITAL Bank,
  • email us at [email protected] to add or remove your beneficiaries by phone. We will need the following information when requesting to add beneficiaries by phone:
    • Beneficiary Name
    • Beneficiary Date of Birth
    • Beneficiary Social Security Number
    • Beneficiary contact information including
      address and phone numbers

A Custodial Account is an account that is maintained by an adult (Custodian) for the benefit of a minor.

Note: We establish and maintain all custodial accounts under the Delaware Uniform Transfers to Minors Act.

Certificates of Deposit, Money Market accounts and Online Savings accounts can be opened as custodial accounts.

To apply for a Custodial account, email us at [email protected]. U.S.-based Banking Specialists are available 24/7 to assist you with completing your custodial account application.

The legal age in which a minor established on a Custodial Account opened under the Delaware Uniform Transfer to Minors Act becomes the sole owner of that account. If the account was opened on or after June 26, 1996, the age of majority is 21. If the account was opened prior to June 26, 1996, then the age of majority is 18.

Our friendly customer service is available 24/7.