Choice Checking Account

Choice Checking makes growing your balance easy and attainable. This checking account, loaded with extra benefits, allows you to earn on your money.

Level up to an account
that earns you more

  • Earn off your balance with two rate tiers1
  • Get paid up to two days early with Early Pay2
  • Send and receive money with Zelle®3

These days, the name of the game is multi-tasking. At GECU, we've put our own twist on that trend. Our Choice Checking is a versatile account and provides helpful digital tools and offers earning potential.

  • Open an account with as little as $25.
  • Keep a $500 average daily balance to waive the $10 monthly maintenance fee.
  • Receive your first book of checks at no charge.

Choice Checking Account rates1

Deposit Amount Rate APY
Up to $4,999.99 .03% .03%
$5,000+ .07% .07%

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Early Pay

Get early access to ACH deposits (including direct deposits like your paycheck), up to two days early.

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Round-Up

Earn up to $350 a year using your debit card and automatically move spare change to your high-yield savings account.4

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Free withdraws

Access your cash at 100,000 free ATMs/ITMs nationwide.5

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Free Overdraft Protection Transfers

Stay covered with free, automatic Overdraft Protection Transfers.6

 

Online Banking and mobile app

Bank anytime on any device. Use the GECU mobile app for quick access or log in to Online Banking.7

Send money with Zelle®

A fast, safe, and easy way to send money to friends, family, and other people you know and trust, even if they bank somewhere different than you do.

Make a Mobile Deposit

Skip a visit to the branch by depositing your checks with Mobile Deposit

Contactless debit card

Make contactless purchases with your debit card and add it to: Apple Pay®Samsung Pay™, or Google Pay™.

Pay bills

Use Bill Pay8 to pay monthly bills on-the-go, from one secure login.

Debit Card Controls

With debit card controls, you can instantly turn your card on/off, customize spending limits and transaction types, and monitor activity 24/7 with real-time alerts.

FICO® Score 

View your FICO® Score for free within Online Banking and our mobile app, updated quarterly.

eStatements

Say goodbye to clutter – go paperless with free eStatements.

Set up customized account alerts

Set up personalized emails or text alerts as reminders to help you stay in tune with your account.

Make the switch to GECU in 4 easy steps

Open your new GECU checking account

Set up auto pay and direct deposit

Fund your new GECU Checking account

Close your existing account

Explore other checking account options

Simply Free Checking

  • No monthly fee
  • $25 minimum to open
  • The perfect everyday checking account

Amplified High-Yield Checking

  • $15 monthly fee, waived with a $1,500 average daily balance
  • $25 minimum to open
  • Earn dividends in five rate tiers, for maximum growth potential
Simply Free Checking
Amplified High-Yield Checking
Perfect for you if: You want the peace of mind of having a FREE checking account. You want to maximize your earning potential.
Minimum to open $25 $25
Early Pay6
Monthly maintenance fee $0 $15; waived if $1,500 average daily balance is maintained
Dividends No Yes
Free first book of checks No Yes
Waived out-of-network ATM fees No Up to 10 out-of-network ATM fees reimbursed each month6
Access to nearly 100,000 free ATMs Yes Yes
Free access to your FICO® Score Yes Yes
Free access to Online Banking and top-rated mobile app Yes Yes
Free Mobile Deposit, Bill Pay,8 and eStatements Yes Yes
Send money with Zelle®10
Apple Pay®, Google Pay™, and Samsung Pay™ compatible Yes Yes
Account alerts via email, SMS text message, and push notifications Yes Yes
Overdraft protection solutions Yes Yes
Account Features
Simply Free Checking
Perfect for you if: You want the peace of mind of having a FREE checking account.
Minimum to open $25
Early Pay
Monthly maintenance fee $0
Dividends No
Free first book of checks No
Waived out-of-network ATM fees No
Access to nearly 100,000 free ATMs Yes
Free access to your FICO Score Yes
Free access to Online Banking mobile app Yes
Free Mobile Deposit, Bill Pay, and eStatements Yes
Send money with Zelle<sup>®10</sup>
Apple Pay, Google Pay, and Samsung Pay compatible Yes
Account alerts via email, SMS text message, and push notifications Yes
Overdraft protection solutions Yes
Account Features
Amplified High-Yield Checking
Perfect for you if: You want to maximize your earning potential.
Minimum to open $25
Early Pay
Monthly maintenance fee $15; waived if $1,500 average daily balance is maintained
Dividends Yes
Free first book of checks Yes
Waived out-of-network ATM fees Up to 10 out-of-network ATM fees reimbursed each month6
Access to nearly 100,000 free ATMs Yes
Free access to your FICO Score Yes
Free access to Online Banking mobile app Yes
Free Mobile Deposit, Bill Pay, and eStatements Yes
Send money with Zelle<sup>®10</sup>
Apple Pay, Google Pay, and Samsung Pay compatible Yes
Account alerts via email, SMS text message, and push notifications Yes
Overdraft protection solutions Yes

FAQs

You’ll need to provide basic personal information such as your Social Security Number, valid ID, and address. If you’re already a member, you can log in to Online Banking and select Open an account under Open Account. In our mobile app you can tap More then Open an account under the New Account section.

You can fund your Choice Checking account with a $25 minimum deposit. Add funds to your account by: transferring funds from other bank accounts, using Mobile Deposit, or visiting a GECU branch or ITM. Additionally, you can link external accounts to make transfers easier.

Yes, your Choice Checking account includes a free contactless debit card. You can use this debit card for everyday purchases, ATM withdrawals, and online transactions. Once your account is opened, you will receive your debit card by mail.

Yes, you can open a joint Choice Checking account with a spouse, family member, or another individual. Both account holders will have equal access to the account, and each person can be issued their own debit card linked to the joint account.

A non-interest bearing checking account does not earn interest on your balance, while an interest-bearing checking account allows you to earn interest on the funds you keep in the account. Interest-bearing checking accounts typically require a higher balance or may have monthly fees unless certain requirements are met.

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