Routing Number 325181248
Checking —
Get more with
EarnSmart Perks™ Checking
Your checking account just became a life hack. For $7 a month, earn up to 3.00% APY* and enjoy ID theft prevention, cell phone protection, gas rewards, shopping perks, and more!**
More perks
Experience extras rarely seen in a checking account that help you save money, eliminate stress, and then some!
Just scored 15% off lunch 🍔
Flat tire fixed. Stress levels 📉
Filled up. Saved 10¢/gal 💰
Shopping Perks1
Unlock local discounts and national deals at your favorite restaurants, shops, and more.
Roadside Assistance
Covers up to $80 for towing, jump-starts, lockouts, and more—24/7, wherever the road takes you.
BaZing Fuel2
Earn monthly rewards and save 10¢ per gallon at participating Shell stations.
Health Savings Card
Save on prescriptions, eye exams, glasses, and hearing services at thousands of participating providers.
Bill Negotiation3
Save money on your internet, TV, cell phone, and home security bills with this expert negotiation service.
More protection
Simple savings on protection for the things that matter
Cell Phone Protection4,5
Get reimbursed for repairs or replacement when your phone is stolen or damaged—just pay your bill with your Gesa EarnSmart Perks account.
Buyer’s Protection & Extended Warranty1,4,5
Protect recent purchases from theft or damage and extend manufacturer warranties up to a year.
Pet Care Services3
Enjoy preferred rates on pet insurance plus 24/7 Virtual Vet access, medication discounts, and more.
Fur baby’s got benefits 🐾❤️
Cracked screen? Covered. 📱🛠️
More peace of mind
Built-in backup when things get complicated
Your will ✅ Now you’re covered 🖊️📄
Digital you = defended 🧑💻🛡️
Financial Wellness3
Experts create and store your legally binding wills, health care proxies, powers of attorney, and more that you can update anytime.
ID Theft Aid3,4,5
Get alerts when your info is at risk, plus expert help to recover your identity and monitor your credit.
3 easy steps to earn more
Most checking accounts just hold your money. EarnSmart Perks™ helps it grow! Complete these three simple steps each month and you’ll earn 3.00% APY* on balances up to $5,000.
1
Enroll in eStatements
Skip the paper clutter and send your bank statements to your inbox. eStatements are secure and easy to access.
2
Set up a recurring $200+ direct deposit
Set up a recurring direct deposit and get paid sooner. Most deposits arrive up to two days ahead of schedule.
3
Make 15 debit card purchases a month
Every time you use your card, Gesa gives back to local schools and causes—so you’re helping your community, too.
Getting started is simple
Follow these steps:
1
Pick your account
Choose the one that fits your lifestyle.
2
Tell us about you
We’ll ask for your phone, date of birth, and a few other details.
3
Fund your account
Add money and you’re ready to go.
4
Enjoy your perks
From savings to protection, it’s all built in.
Live life. Earn more.
With EarnSmart™ and EarnSmart Perks™ Checking, your everyday spending can earn you more. Enroll in eStatements, set up a $200+ direct deposit, and make 15 debit card purchases each month to unlock 3.00% APY* on balances up to $5,000. That’s up to $150 each year!
More value on day one
Your Gesa checking account delivers more value and more impact. Every time you use your debit card, Gesa donates to local heroes, schools, or nonprofits at no cost to you. You can even choose a debit card that directs our givebacks to the cause of your choice.
You’ll also get better savings rates, lower loan costs, and fewer fees, all from a credit union that puts members first. If you live in Washington or in select counties in Idaho or Oregon, joining is easy.
Once you’re a member, you stay a member, even if you move.
Digital tools that save time
With Gesa’s simple-to-use digital tools, you can lock or unlock your debit card instantly, set travel notices, and receive custom alerts for your transactions. Transfers are quick and seamless—whether you’re moving money between your Gesa accounts or linking to another bank. You can also enable Round-Up savings to grow your balance without needing to think about it.
Rest assured, knowing your money is protected. Our secure eStatements and tax documents keep everything you need in one easy-to-access location.
Ways to pay
You don’t need to carry your debit card to make secure payments. Add your Gesa debit card to a digital wallet for faster, easier checkout in-app, in-store or online.
A Smarter Way to Give Back
When you bank with us, you keep your money in your community and give back to local schools and organizations.
Total giveback in 2024
0
M+
Local Heroes grants awarded
0
+
Student-run branches
0
Volunteer hours since 2022
0
+
Set up in seconds
Using the Gesa Perks app, powered by BaZing**, is simple. After you open your EarnSmart Perks account, you’ll receive an email from BaZing with your login details. Just download the app, register with those credentials, and you’re in. From there, you can activate perks, explore categories, and personalize your settings.
Recognized
for putting
members first
FAQs
After you open an Gesa Perks account, you’ll get an email from BaZing with your login info. Just download the app, log in with those details, and start exploring perks right away.
Here are the links for the app:
You’re covered with up to $2,500 in reimbursement for eligible expenses related to restoring your identity after a covered stolen identity event. This benefit is shared equally among joint account holders.
Go to www.BaZing.com, navigate to “Monitoring,” and follow the sign-up steps to start monitoring your personal information and credit activity.
If your phone is damaged or stolen, you can be reimbursed up to $800 per claim, with a maximum of $1,600 per year, after a $50 deductible. Coverage includes the primary phone and up to two others on your billing statement.
Simply pay your monthly cell phone bill with your EarnSmart Perks™ account. If you skip a month, coverage pauses until the next payment is made.
Call BaZing at (855) 822‑9464 within 60 days of the damage or theft. Then submit your completed claim form and required documents within 90 days. Visit BaZing.com to get started.
Purchases made with your EarnSmart Perks™ account are protected for 180 days against theft or damage, up to $2,500 per item. The original manufacturer’s warranty is also doubled for up to one additional year.
Yes. You’re covered for up to $80 per service call, with a limit of four calls per year. Services include towing, battery jumps, fuel delivery, flat tire help, lockout assistance, and more.
Activate in the BaZing app to earn 10 cents off per gallon, plus more when you meet your monthly debit card activity goals. Fuel discounts are valid at participating Shell stations and apply up to 20 gallons per fill-up.
It’s a discount program with deals from both local businesses and national brands. You can search for offers on BaZing.com or in the BaZing mobile app.
You can create legal documents like wills, powers of attorney, and health care proxies. You can update them anytime and store everything securely in your Family Vault. Activation is required.
You get preferred pricing on pet insurance, access to virtual vet visits, ID tags linked to Pet Cloud, discounts on medications, and more. You can visit any licensed vet with no breed or age restrictions.
Bill Negotiation helps lower your bills for services like cable, phone, and internet, and can cancel subscriptions you no longer use. You get preferred pricing through your EarnSmart Perks™ membership. Activation is required.
You get discounts on prescriptions, eye care, and hearing services at participating providers. This is not insurance, but can be used when it offers the better deal.
Every time you make a purchase, the total is rounded up to the next dollar and the difference goes into your savings automatically. It’s a simple way to build your savings with everyday spending.
Every time you use your Gesa debit card, we donate to local causes and community partners—at no cost to you. You swipe, we give back.
EarnSmart Perks™ gives you access to your paycheck up to two days early when it’s set up through direct deposit. Timing depends on when we receive the deposit from your employer.
Yes. You can check balances, transfer funds, pay bills, and deposit checks—all from your computer or mobile device, 24/7.
Yes. You get access to over 70,000 surcharge-free ATMs nationwide through the CU24 network.
Card Manager lets you set up custom alerts, track spending, and control how and when your Gesa cards are used—all from your phone.
Yes. Add your Gesa debit or credit card to Apple Pay, Google Pay, or Samsung Pay and use your phone to pay securely and easily.
Disclosures
EarnSmart Perks™ Checking
*APY (Annual Percentage Yield) is accurate as of 12/01/2025, the last dividend declaration date. EarnSmart Perks checking accounts earn 3.00% APY on the first qualified $5,000 in balances. Amounts over $5,000 earn 0.01% APY. In order to earn 3.00% APY on the first $5,000 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. The EarnSmart Perks Checking account provides subscription benefits with a monthly subscription cost. There is a minimum opening balance of $25 required if the account is opened online. Rates, terms, and fees are subject to change at any time after account opening. Fees may reduce earnings. Limit of one EarnSmart Perks checking account per member.
Overdraft protection options are available for EarnSmart Perks Checking accounts.
**EarnSmart Perks is powered by BaZing. BaZing provides full disclosures in the benefits guide you receive at account opening.
1 Participating merchants on BaZing are not sponsors of the program, are subject to change without notice, may not be available in all regions, and may choose to limit deals.
2 You’ll receive a one-time activation reward of $0.10 per gallon when you activate BaZing Fuel. You’ll earn a monthly reward of $0.10 per gallon each month when you have 15 eligible debit card transactions post and settle during the Monthly Qualification Cycle (MQC), which is defined as the first day of the month through the last day of the month. Only transactions posted during the MQC will count towards the monthly reward for that MQC. The following activities do not count toward earning BaZing Fuel: ATM withdrawals, transfers between accounts, deposit or refund transactions. Transactions posted during the MQC greater than the monthly reward requirement will be stored to count towards a bonus reward of $0.10 per gallon. When you have 50 stored bonus transactions you will earn the bonus reward. You will continue to earn bonus rewards for every 50 stored bonus transactions accrued. If the required monthly reward transaction count is not met during the MQC, no transactions are counted for any reward during that MQC or the bonus reward. BaZing Fuel is limited to 20 gallons of fuel per purchase, per vehicle, or fraud limits placed by Shell and/or limits placed on your payment card by your financial institution, each of which may be lower. To activate, you will need to have online banking with your financial institution. Refer to the BaZing Fuel Terms and Conditions for full disclosures at strategycorps.com/bazing-fuel-terms-and-conditions. BaZing Fuel offer may be changed at any time and without notice.
3 Requires additional activation to begin.
4 Subject to the terms and conditions detailed in the Guide to Benefits.
5 Insurance products are: NOT A DEPOSIT. NOT NCUA-INSURED. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT GUARANTEED BY THE CREDIT UNION.
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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Getting started is easy!
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Need help? Call (888) 946-4372 or stop by any branch.
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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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Applying should only take a few minutes. Please have these documents ready:
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Opening deposit by debit card or e-transfer*
*Credit cards are not accepted.
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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 |