Routing Number 325181248
Welcome to Gesa
For former Security State Bank customers like you, this page provides everything you need to know about the transition to Gesa — including important dates, benefits of joining, and the simple steps necessary to ensure a smooth banking experience.
Sign in or enroll in Online Banking at gesa.com
Get started by watching the video to learn how to login and get the most from your commercial banking online experience.
Available on Nov 3
Available on Nov 3
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Important Dates
October 8
- Access to MyCardStatement will no longer be available.
October 13
- Current Security State Bank credit cards will stop working. Oct. 13
- If you are an existing credit card holder, activate your new Gesa credit cards. Oct. 13
October 17
- If you are an existing debit cardholder, your new Gesa debit card will be mailed to you. Oct. 17
October 25
- Last day to schedule bill payments with payment dates of Oct. 25-Oct. 31.
October 27
- Last day to download and save bill pay files before access ends.
- Payments scheduled after Oct. 31 will not process and will need to be re-established on Nov. 5
October 31
- Online banking will be unavailable beginning at 5 pm.
- ACH transfers with an effective date of Monday, Nov. 3 must be submitted before 5 pm for processing. ACH templates will convert so please make updates prior to 5 pm.
- Wire transfers must be submitted before 2 pm for processing. Wire templates will convert so please make updates prior to 2 pm.
- Plan ahead: Recurring and future-dated ACH transfers with an effective date of Tuesday, Nov. 4 or later will not be converted as scheduled items. Recurring and future-dated wire transfers with an effective date of Monday, Nov. 3 will not be converted as scheduled items. Please submit transfers prior to each respective cutoff time on Oct. 31 or you will need to reschedule them after logging in on Monday, Nov. 3.
November 3
- Sign in to Commercial Banking Online
- Existing Security State Bank debit cards stop working.
- Start using your new Gesa debit card, if applicable.
- Reset alerts in Commercial Banking Online.
- Re-setup recurring ACH and wire transfers, if applicable.
- Gesa's Commercial Banking Contact Center opens at 8 am for any questions.
November 5
- Bill Pay available in Commercial Banking Online.
FAQs
SSB’s leadership sought a partner who, more than anything, shared their community-centric values. As a result, they initiated a conversation with Gesa. We are aligned in our dedication to exceptional service, products, and community support.
This acquisition strengthens Gesa’s ability to serve more members, support more local businesses, increase accessibility, and expand our positive impact across the state.
Headquartered in Richland, Washington, Gesa Credit Union is one of the state’s largest credit unions. As a full-service financial institution, Gesa provides its more than 292,000 members across the Pacific Northwest with consumer, mortgage, and business products and services. The credit union operates 33 branches across the Pacific Northwest—serving the states of Washington, Oregon, and Idaho, as well as student-operated branches at Washington State University, 18 cooperative education branches in Washington high schools, and several loan centers.
For more than 70 years, Gesa has been proudly committed to its local communities and charitable giving, including support for schools and students, Local Heroes groups, firefighters, law enforcement, healthcare workers, educators, and veterans, and community organizations.
Yes! You can continue visiting the same branch and working with the same team you’ve come to know and trust. Your daily banking experience will remain the same for now, with a system transition scheduled to finalize on November 3.
By combining SSB’s and Gesa’s strengths as an organization with our shared commitment to our local communities, our neighbors in Lewis, Thurston, Pacific, and Grays Harbor counties will see many benefits. Gesa provides strong programs that support education, Local Heroes, financial literacy, and charitable giving across the region, which we are excited to bring here. Additionally, following system integration, you will have access to a wide range of new financial solutions, services, and offerings.
No branches will close as a result of this transition.
Both federal and Washington state laws and regulations allow credit unions to acquire banks, and the transaction requires regulatory approval. This process has been successfully completed.
As a credit union, Gesa is a not-for-profit, member-owned financial cooperative. This means our focus is on serving our members. Now that you’ve joined Gesa, you’re more than just a customer; you’re a member-owner, which comes with benefits.
You’re always welcome to stop by your local branch and speak with a team member. You can also reach us at [email protected] if you have additional questions.
Banking with Gesa
Branches where you need them
Visit us at more convenient locations across Washington and Idaho, with friendly faces ready to help you.
More ways to access your money
Enjoy thousands of surcharge-free ATMs nationwide, so your money is always within reach.
Technology that works for you
Manage your money anytime, anywhere with Gesa’s enhanced mobile app, online banking, and communication tools.
Products that put members first
Choose from a wide variety of loans, accounts, and services designed to fit your goals — and backed by people who care about your success.
Newsweek’s Best Regional Credit Union two years running!
Gesa has been named Newsweek’s Best Regional Credit Union for 2024 and 2025, a prestigious recognition that underscores our commitment to providing exceptional service, innovative financial solutions, and strong community impact. This award reflects our dedication to improving the financial lives of our members and consistently exceeding expectations in the credit union industry.
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Routing Number: 325181248
51 Gage Blvd. Richland, WA 99352
Federally insured by NCUA
Equal Housing Opportunity
Co-op Shared
Branch
© Gesa Credit Union. All Rights Reserved.
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We're in the business of growing yours.
We have the accounts, products, and services to help you and your small business succeed.
Banking made for you.
With best-in-class rates and a variety of everyday banking products, Gesa has the right account, card, or loan for you.
Up to 5.00% APY
On select checking accounts!
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We have upgraded to a new account opening process. Click Get Started to continue.
Getting started is easy!
Applying should only take a few minutes. Please have these documents ready:
- Social Security Number (SSN)
- Color copy of driver's license, state ID, or US Passport
- Contact info
-
Opening deposit by debit card or e-transfer*
*Credit cards are not accepted.
Call (888) 946-4372 or apply at a branch
Already a member?
Use your online banking log-in to pre-fill your application with saved information.
You can easily change your debit card through our affinity form.
Notes & Fees Glossary
| Disclaimer | ||
|---|---|---|
| SmartPlus Checking | [APY] Minimum opening balance of $25 required if the account is opened online. In order to earn APY and receive unlimited domestic ATM fee refunds, you must meet the following requirements during each monthly qualifying period: provide and maintain valid email address, apply for and use your Visa debit card to make 15 debit card transactions that post and settle to your account, have at least one direct deposit of $200 or more post to your account, and enroll to receive eStatements. If the requirements are not met during the monthly qualifying period, the “non-qualifying” 0.01% APY will apply to the entire balance. Dividends on a SmartPlus Checking account will be compounded and credited to a member’s account each month. Dividends are calculated using the daily balance method. Qualifying account balances must meet minimum requirements. Rate may change after the account is opened. The qualifying period begins with the first day of the calendar month and ends on the last day of the calendar month at 6:00 P.M. Pacific Time. ATM fees of $4.99 or less will be reimbursed up to a maximum of $4.99 per individual transaction. No monthly fees and no minimum balance required to open or maintain account unless opened online. Fees could reduce earnings on the account. Limit of one SmartPlus Checking account per member. APY is accurate as of , the last dividend declaration date. | A7KD4W9LQXZT |
| Smart Checking | *There is a minimum opening balance requirement of $25.00 if the account is opened online. Regular users of Gesa’s electronic services may want to consider SmartPlus Checking for additional benefits. [Courtesy Pay] | M3VY82CNRLKP |
| Student Checking | [APY] Dividends on Student Checking Accounts are calculated using the daily balance method and will be credited to the member’s account every month. Rate may change after the account is opened. If you close your account before dividends are paid, you will not receive the accrued dividends. The minimum balance to open an account is $5.00, the par value of a share. Courtesy Pay is not offered on Student Checking Accounts. Only electronic transactions such as debit card or ACH transactions are permitted. Fees could reduce earnings on the accounts. | JXZ7V5MWLQ92 |
| Smartplus Savings | [APY] In order to earn a high dividend rate, you must meet the following requirements during the qualifying monthly period: a) provide and maintain a valid email address; and b) be enrolled to receive e-statements. If the requirements are not met during the monthly qualifying period, the “non-qualifying” 0.01% APY would apply to the entire balance. Dividends on an SmartPlus Savings Account will be compounded and credited to a member’s account each month. Dividends are calculated using the daily balance method. Qualifying account balances must meet minimum requirements. Rate may change after the account is opened. The qualifying period begins with the first day of the calendar month and ends on the last day of the calendar month at 6:00 P.M. Pacific Time. No monthly fees and no minimum balance required to maintain account. Minimum opening deposit of $5. Fees could reduce earnings. Limited to one SmartPlus Savings account per member. | P9T6QF2XJBLC |
| Smart Savings | [APY] Dividends on Smart Savings are calculated using the daily balance method and are paid monthly. Rate may change after the account is opened. No monthly fees and no minimum balance required to maintain account. Minimum opening deposit of $5. Fees could reduce earnings on the account. | Y4MKZ3WVTPQ8 |
| High-Yield Savings | [APY] Dividends on the High Yield Savings account are calculated using the daily balance method and are paid monthly. No monthly fees and no minimum balance required to maintain account. Minimum opening deposit of $5. Fees could reduce earnings. | NDLXQ98R5VTE |
| Money Market | [APY] Dividends for the Money Market Account are calculated using the daily balance method which applies a daily periodic rate to the balance in the account each day. You must maintain a minimum daily balance of $2,500.00 in your account each day to obtain the disclosed annual percentage yield. The minimum balance required to open this account is $2,500.00. There is a minimum average daily balance of $2,500.00 required to avoid a service fee for the calendar month. If the minimum average daily balance requirement is not met, you will be charged a service fee as stated in the Consumer Fee Schedule. New rates are set on the first of each month; rate may change after the account is opened. Fees could reduce earnings on the account. | GQ37ZVKY1WLM |
| Fixed Certificate | [APY] A penalty may be imposed for early withdrawal. Fees may reduce earnings. The minimum balance to open the certificate is stated in the chart. Early withdrawal penalties apply (a penalty may be imposed for withdrawals before maturity): If your account has an original maturity (term) of less than 12-months: The penalty will equal 90 days interest on the amount withdrawn subject to penalty. If your account has an original maturity (term) of 12-months or more – up to, but less than 36-months: The penalty will equal 180 days interest on the amount withdrawn subject to penalty. If your account has an original maturity of 36-months or more – up to, but less than 48-months: The penalty will equal 365 days interest on the amount withdrawn subject to penalty. If your account has an original maturity of 48-months or greater: The penalty will equal 540 days interest on the amount withdrawn subject to penalty. In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. For any account which earns an interest rate that may vary during the term such as a bump certificate, the interest rate we will use to calculate this early withdrawal penalty will be the interest rate in effect at the time of the withdrawal. You may make withdrawals of principal from your account before maturity. In making such withdrawals, your balance may not fall below the minimum or we will close your account. Principal withdrawn before maturity is included in the amount subject to early withdrawal penalty. You can withdraw interest only on the crediting dates without penalty. A $500 minimum deposit is required for consumer, IRA, and business certificates. Early withdrawal penalties may apply and may reduce earnings. Certificate rate is for a limited time only and could end at any time. Stated rate as of the first day of the month. | H85PLKJXZ2QM |
| Bump Certificate | [APY] A penalty may be imposed for early withdrawal. Fees may reduce earnings. The minimum balance to open the certificate is stated in the chart. The Certificate owner must contact Gesa Credit Union to request the one-time rate increase on Bump Certificate accounts. The rate on the Bump Certificate will be changed on the following business day of the date Gesa Credit Union receives the request. The bump option can only be exercised once during the term of the Certificate and does not increase the term of the certificate. The new interest will not be applied retroactively. The new interest rate will be the interest rate we are then offering on regular certificates (non- bump rate certificates) that have the same term and minimum balance. Bump Certificates are only available for consumer and IRA Certificates. Early withdrawal penalties will apply. Minimum deposit balance must be maintained to earn APY and fees may reduce earnings on the account. Special offer for a limited time only. | RXNQ72MLYV9C |