Getting Started

Virtual Branch is an Internet-based service offered to members of GraCo FCU. This service is available 24 hours a day, 7 days a week. It provides you with flexibility to take care of many of your transactions without having to visit the credit union.

For existing home banking members (previously Home Financial Services), please use your Member Account Number to log on. You will be prompted to change your Security Code after you log on the first time.
Once you have successfully logged in, please go to the Self Service tab, then click the Personal Information link to update all of your information. Please make sure to update your email address.

For members not yet enrolled in Virtual Branch home banking, click the ENROLL ONLINE to get started.
If you are having difficulty logging on, please contact our credit union at 989-463-1247.