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Checking Accounts

GECU offers a variety of checking account options, each designed to meet the specific needs of different members. If you're ready for the convenience of having your checking account at GECU, our Easy-to-Use Switch Kit is tailor-made for you!

GECU Debit Card* - With a GECU Debit Card, you have unlimited, free access to your checking account. It looks like a credit card, is accepted everywhere a credit card is, but works like a plastic check. All purchases are deducted from your checking account. All transactions are itemized on your monthly checking account statement, so you have a record of the date, merchant, location and amount of each transaction. Get one today by calling SmartCall at 778.9221 or 1.800.772.GECU!** GECU Debit Card is not available for Money Market accounts.

Reorder Checks - Already have GECU checks? Reorder online using this option.

*A Checking Account must be opened prior to applying for this card.  Visit any one of our locations to open one today!
**Subject to credit approval.

Checking Account Routing Number: 312081089

Account Minimum Balance to Open Average Daily Balance Required to Earn Interest Monthly Account Maintenance Fee Activity Fee Monthly Interest Paid Special Features
GECU's regular checking account.
$20 $2,500 None None When average daily balance is $2,500 or more. Free**
GECU Debit Card.
Senior Privilege
Special checking exclusively for members age 60 and older.
$20 $2,500 None None When average daily balance is $2,500 or more.
  • Free** GECU Debit Card.
  • Free box of  GECU logo checks (one box per order).

Money Market Account
A short-term, variable-rate investment account that combines the liquidity you occasionally need with a competitive rate of return.

$2,500 $2,500 None $10 per month if Average Daily Balance drops below $2,500.

A maximum of six withdrawals allowed per month.
Average Daily Balance (ADB) up to $10,000, earns the standard Money Market Account rate.
ADB of greater than $10,000 will earn a higher rate of interest.
Free box of 40 specially designed checks (one box per order).
Free2Be Checking Account
A checking account specifically designed for members ages 16 to 18 years.
More Info
None $2,500 None 50¢ per check after 10 checks in a statement cycle. When average daily balance is $2,500 or more.
  • Free** GECU Debit Card.
  • Free box of 50 standard Colonial Classic checks when account is opened, thereafter $5.00 per box of 50 checks.

*Your Checking Account earns the Checking Account with interest rate when your average daily balance is $2,500.

**There may be transaction fees charged by the owner of non-GECU ATMs.