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General Electric Credit Union

Personal Checking Accounts

Choose the account that matches your lifestyle.

Whether you’re looking for the basics or want a longer list of perks, we have a checking solution that’s just right for you.

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Checking Account Cincinnati OH

Enhance your everyday with a GECU checking account.

You use your checking account every day. It’s your filling up the tank account, your picking up the milk account, it’s your everyday account —and we’ve got solutions to help you easily manage your day-to-day finances.

Simply Free Checking

Simply Free Checking1 is the perfect everyday checking account, ideal for those who are looking for a simple account packed with great features.

Choice Checking

Choice Checking2 is a competitive, dividend-earning checking account with two tiers for attainable earning opportunities. 

Amplified High-Yield Checking

Our Amplified High-Yield Checking3 account offers significant earning potential, with five tiers - as your balance increases, so does your return. 


Managing your finances is easy when you've got the right tools. 

Optional FREE Benefits

  • Round-Up is an easy way to build your savings as you use your debit card every day! Each purchase you make gets rounded up to the nearest dollar, then the extra change gets transferred from your checking account to your GECU savings account automatically. Plus, we’ll match 5% of your rounded-up funds, up to $350 a year!6
  • Set up Overdraft Protection Transfers, to cover overdrafts in your checking account. Funds will automatically transfer from a linked account to cover overdrafts and bring your balance up to zero. You're protected, for free!7 

To enroll and set up these optional perks, please contact us or visit your local branch.


Ready to switch? ClickSWITCH makes it easy!

We understand that switching your checking account may sound like an overwhelming task, but it doesn’t have to be. ClickSWITCH helps move your direct deposits and automatic payments to your new GECU checking account in 10 minutes or less.

To open your account and get started with ClickSWITCH:

 

 

 

 

Membership eligibility required. Visit our Membership & Eligibility page for details.
1Simply Free: You must deposit $25 to open a GECU checking account. The account must be funded within 30 calendar days. For dividend-earning accounts, rates are based on the account balance and account tier. Simply Free Checking is a non-dividend bearing account. There is no minimum balance required to maintain this account.
2Choice Checking: $25 deposit required to open account. The account must be funded within 30 calendar days. If your average daily balance is below $500, you will incur a $10 monthly maintenance fee. Dividend rates are based on the account balance and account tier. The tiers are as follows: Tier 1 daily balance of $0.01 to $4,999.99; Tier 2 daily balance of: $5,000 or more. We use the daily balance method to calculate the dividends on your account. Dividends begin to accrue no later than the business day we receive the deposit to your account. You will receive the accrued dividends if you close your account before dividends are posted. Fees may reduce earnings.
3Amplified High-Yield Checking: If your average daily balance is below $1,500, you will incur a $15 monthly maintenance fee. Dividend rates are based on the account balance and account tier. The tiers are as follows: Tier 1 daily balance $0.01 to $1,499.99; Tier 2: $1,500.00 - $49,999.99; Tier 3: $50,000 - $249,999.99; Tier 4: $250,000 - $999,999.99 (1-Month Treasury Bill); Tier 5: $1,000,000 or more (1-Month Treasury Bill). Tiers 4 and 5 are subject to variable-rate pricing and will adjust weekly. Under no circumstance will Tier 4 and Tier 5 rates be less than the stated Tier 3 rate. We will update this rate weekly on Tuesday to reflect the previous Friday's 1-Month Treasury Bill rate. If the preceding Friday, Monday, or Tuesday are an observed holiday, the rates will be updated the following Wednesday. The 1-Month Treasury Bill rate can be found from the U.S. Department of Treasury site under the "Daily Treasury Yield Curve Rate" drop down option. We use the daily balance method to calculate the dividend on your account. Dividends begin to accrue no later than the business day we receive the deposit to your account. You will receive the accrued dividends if you close your account before dividends are posted. Annual Percentage Yield will vary due to account activity and balance. Fees may reduce earnings. GECU will rebate Amplified accountholders up to 10 out-of-network (foreign) ATM fees per month per membership when you use your GECU debit card to make: a deposit, withdrawal, transfer, or balance inquiry. Fees are rebated at the end of the month.
4Our ATM network is fee free for withdrawals for GECU debit cardholders. In-network ATMs include: GECU, Allpoint, and Fifth Third ATM networks. For more details visit our Debit Card Access page. Foreign transaction fees apply to out-of-network ATMs, please review our Fee Schedule for those details.
5We provide Online Banking, our mobile app, and text alerts to you for free; however, mobile/internet data and text message charges from your service provider may apply.
6Round-Up is only available for Simply Free, Choice, and Amplified High-Yield Checking accounts. Funds will be added to member’s chosen GECU savings or money market account; excluding Certificates, IRAs, or IRA Money Market accounts. Match will be paid on eligible funds at the end of the month with an annual match limit up to $350; reportable on IRS Form 1099.
7Overdraft Protection Transfer is only available to: Simply Free, Choice, and Amplified High-Yield Checking accountholders. Please refer to Truth in Savings for Regulation D limitations. Should you reach your maximum transactions with your primary overdraft savings account, the switch to your secondary overdraft account will occur next business day.

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