Choice Checking

Choice makes growing your balance easy and attainable. This loaded-with-extras checking option lets you 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 ZelleĀ®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 do-it-all account offering a winning combination of convenient digital tools and extra earning potential.

  • Open account with as little as $25.
  • Keep a $500 average daily balance to waive the $10 monthly maintenance fee.
  • Access to your cash at nearly 100,000 free ATMs nationwide; including all: GECU, Allpoint, MoneyPass, CULIANCE, and Fifth Third ATMs.4
  • View your FICO® Score for free within Online Banking and our mobile app,5 updated quarterly.
  • Receive your first book of checks at no charge.

Choice Checking rates1

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

These additional services go the extra mile

Get paid up to two days early, with Early Pay

Get early access to ACH payments (including direct deposits like your paycheck), up to two days early.2 

Send and receive money with Zelle®

A fast, safe, and easy way to send money to friends, family, and other people you know and trust, wherever they bank.3 Whether you’re paying rent, gifting money, or splitting the cost of a bill, Zelle® has you covered.

Make contactless purchases from your smartphone 

Simplify making online and mobile payments by adding your GECU debit card to your favorite wallet app: Apple Pay®, Samsung Pay™, or Google Pay™.

Automatically add to your savings

Boost your savings by enrolling in Round-Up. We’ll round up your debit card purchases to the nearest dollar and automatically move the extra change from your checking account to your GECU savings or high-yield savings account. Even better – we’ll match 5% of your rounded-up funds (up to $350 a year!).6

Rebound from ‘oops’ moments 

Protect your account by choosing one (or all) of our overdraft solutions

  • Overdraft Protection Transfers7
    Automatic, free protection from overdrafts. If you go over your balance, funds are transferred from a linked savings account to cover a charge. 
  • Overdraft Line of Credit 
    After getting approved for an Overdraft Line of Credit, you can tap into funds (up to your credit limit) to cover an overdraft when your account balance is too low. Apply online today! 
  • Courtesy Overdraft8
    This solution lets you overdraw your account (up to a set limit) for a fee on: Bill Pay items, checks, and recurring debits like credit card or loan payments. Stick with automatic, standard coverage; or, opt in to extended coverage on ATM transactions and debit card purchases. 

Keep your accounts close, 24/7/365

Whether you’re using a desktop computer, mobile device, or tablet, we simplify banking no matter what you’re on. Our GECU mobile app lets you take care of all your needs with a quick tap, and Online Banking is available anytime when you log in at: gecreditunion.org. Need help? Send us a secure message or start a chat online or in our mobile app. 

  • Say goodbye to clutter – go paperless with eStatements.
  • Uncomplicate paying bills by using Bill Pay.9
  • Skip a visit to the branch by depositing your checks with Mobile deposit
  • View all your accounts and investments in one place, track your money goals, and plan for the future with our Money Management tool. 
  • Use Debit Card Controls to turn your debit card on/off, decline foreign transactions, set spending limits, and more. 

General Electric Credit Union is a full-service financial institution headquartered in Cincinnati with branches in Ohio and Kentucky.

Money Minutes Blog

Your Strategic Playbook for Extending NCUA Deposit Insurance Coverage

Deposit insurance exists to protect your funds in the event a financial institution fails.

Read more
Annual Percentage Yield (APY): What It Is and How to Leverage It

You may have seen the term annual percentage yield (APY) when researching bank account options. This is the annual rate of return you can expect from an account. 

Read more
3 Misconceptions About High-Yield Savings Accounts

When interest rates increase, it can affect your financial life in several ways – some good, some bad. One silver lining is that financial institutions often increase their deposit rates in response to rate hikes. 

Read more
This top-rated app is where it's at
All it takes is a quick download to open up lots of time-saving features you can use on the go.