Personal checking accounts
Total convenience. Time-saving technology. Money-making opportunities. At GECU, our checking options are designed to make your day easier and finances stronger.
Your money, your lifestyle,
your choice
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Get your money at nearly 100,000 ATMs nationwide1
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Enjoy 24/7 Online Banking and mobile app access at home, or wherever you go2
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Take advantage of dividend-earning opportunities
Checking Products
Simply Free Checking3
Simply Free Checking is the perfect everyday checking account, ideal for those who are looking for a simple account packed with great features.
Choice Checking4
Choice Checking is a competitive, dividend-earning checking account with two tiers for attainable earning opportunities.
Amplified High-Yield Checking5
Our Amplified High-Yield Checking account features five rate tiers that help you earn off your high balance while maintaining access to the funds.
Online Banking and mobile app
Managing and monitoring your money couldn’t be easier. With free Online Banking and mobile app access, you can keep an eye on your accounts to create healthy money habits.
Early Pay
With Early Pay, your ACH payments – including direct deposit – may come up to two days early.6 All GECU checking accounts automatically include Early Pay.
Bill Pay8
Pay your bills online fast and easy. No more postage, fewer late fees, much less hassle.
Round-Up Savings9
Looking for an easy way to save? Round-Up is a no-brainer way to automatically pad your savings. We round up each debit card purchase to the next dollar, then transfer the extra change to your savings account.
Overdraft Solutions
Life gets busy. Mistakes happen. We offer several ways to protect your account against overdrafts.
Zelle®
A fast, safe, and easy way to send money to friends, family and other people you know and trust, wherever they bank.10
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Simply Free Checking3
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Choice Checking4
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Amplified High-Yield Checking5
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| Perfect for you if: | You want the peace of mind of having a FREE checking account. | You want a checking account that earns interest without any hassle. | You want to maximize your earning potential. |
| Minimum to open | $25 | $25 | $25 |
| Early Pay6 | Yes | Yes | Yes |
| Monthly maintenance fee | $0 | $10; waived if $500 average daily balance is maintained | $15; waived if $1,500 average daily balance is maintained |
| Dividends | No | Yes | Yes |
| Free first book of checks | No | Yes | Yes |
| Waived out-of-network ATM fees | No | No | Up to 10 out-of-network ATM fees reimbursed each month7 |
| Access to nearly 100,000 free ATMs | Yes | Yes | Yes |
| Free access to your FICO® Score | Yes | Yes | Yes |
| Free access to Online Banking and top-rated mobile app | Yes | Yes | Yes |
| Free Mobile Deposit, Bill Pay,8 and eStatements | Yes | Yes | Yes |
| Send money with Zelle®10 | Yes | Yes | Yes |
| Apple Pay®, Google Pay™, and Samsung Pay™ compatible | Yes | Yes | Yes |
| Account alerts via email, SMS text message, and push notifications | Yes | Yes | Yes |
| Overdraft protection solutions | Yes | Yes | Yes |
Account Features |
Simply Free Checking3
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|---|---|
| Perfect for you if: | You want the peace of mind of having a FREE checking account. |
| Minimum to open | $25 |
| Early Pay | Yes |
| 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> | Yes |
| 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 |
Choice Checking4
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|---|---|
| Perfect for you if: | You want a checking account that earns interest without any hassle. |
| Minimum to open | $25 |
| Early Pay | Yes |
| Monthly maintenance fee | $10; waived if $500 average daily balance is maintained |
| Dividends | Yes |
| Free first book of checks | Yes |
| 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> | Yes |
| 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 Checking5
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|---|---|
| Perfect for you if: | You want to maximize your earning potential. |
| Minimum to open | $25 |
| Early Pay | Yes |
| 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 month7 |
| 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> | Yes |
| Apple Pay, Google Pay, and Samsung Pay compatible | Yes |
| Account alerts via email, SMS text message, and push notifications | Yes |
| Overdraft protection solutions | Yes |
Helpful Resources
Money Minutes Blog
Deposit insurance exists to protect your funds in the event a financial institution fails.
While you receive monthly bank statements, do you read them or understand the information they contain? If not, you should.
Checking account management is simple with GECU’s Online Banking and mobile app.1