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General Electric Credit Union

Choice Checking

Everything you'd expect from a checking account, and more.

A competitive, dividend-earning checking account with two tiers for attainable earning opportunities.

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Choice Checking Cincinnati OH

A checking account that pays you.   

Our dividend-earning Choice Checking1 account is the perfect combination of convenience and savings. This account features two-tiers for increased earning potential:

rates_choice_checking table
Deposit AmountRateAPY
Up to $4,999.99.05%.05%

Account Details

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!3
  • 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!4 

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

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

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.
1Choice 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.
2Our 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.
3Round-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.
4Overdraft 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.
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.

FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.

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