Simply Free Checking Account

Like everyone else, you appreciate a deal. So how does 'free' sound? This popular, hassle-free checking option comes with a long list of high-value perks – and it doesn't cost you a dime.

Totally free, and fully loaded

  • Access to nearly 100,000 free ATMs1
  • Get paid up to two days early with Early Pay2
  • Send and receive money with ZelleĀ®3

The Simply Free Checking account4 includes features that work behind the scenes so you can spend your time on what matters most to you. Want to take a more hands-on approach? You have access to digital banking and money management tools to handle your finances quickly and efficiently.

  • $25 minimum to open your account, with no monthly maintenance fee.4
  • Access to your cash at nearly 100,000 free ATMs nationwide, including all GECU, Allpoint, MoneyPass, CULIANCE, and Fifth Third ATMs.1
  • Access to your FICO® Score for free within Online Banking and our mobile app,5 updated quarterly.

More perks for your everyday account 

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 - no matter where your card is

Make online and mobile payments easy by adding your GECU debit card to your preferred wallet app: Apple Pay®, Samsung Pay™, or Google Pay™.

Give your savings a boost

Round-Up helps you save, faster. After enrolling in this program, we’ll start rounding up your debit card purchases to the nearest dollar and automatically transfer the extra change from your checking account to your GECU savings account. The savings don’t end there because we match 5% of your rounded-up funds. That’s up to $350 each year!6

Seamlessly recover from ‘oops’ moments

Choose one (or all) of our overdraft solutions for added protection:

  • Overdraft Protection Transfers7
    If you go over your balance, funds get transferred from a linked savings account to cover a charge. This protection is free and automatic!
  • Overdraft Line of Credit
    Once approved, we’ll lend you funds to cover overdrafts in your checking account. You can utilize fund amounts up to your credit limit. Apply online now!
  • Courtesy Overdraft8
    Have checks, Bill Pay items, or recurring debits like loan or credit card payments? Courtesy Overdraft lets you overdraft your account – up to a set limit – to cover these items. Enjoy automatic, standard coverage; or, secure extended coverage for debit card and ATM transactions.

Simple, secure banking on your schedule

Have a desktop computer, tablet, or mobile phone? You can access your GECU account from all of them! Take care of all your banking needs with a simple tap in our GECU mobile app or access Online Banking anytime when you log in at: Need help? Send us a secure message or chat with us in our mobile app or online.

  • Go paperless and say goodbye to clutter with eStatements.
  • Streamline paying bills when you use Bill Pay.9
  • No need to visit the branch – deposit your checks with Mobile Deposit.
  • Plan for the future, track your money goals, and view all your accounts and investments in one spot with our Money Management tool.
  • Debit Card Controls make card security easy! Decline foreign transactions, turn your debit card on/off, set spending limits, and more.

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

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