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Business Accounts

Take your business to the next level with a Gesa Business Account! Whether you're just starting up a new business or have plans to expand your current business, Gesa has the checking and savings accounts, as well as the products and services to help you succeed.

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For more information on Gesa's Business Accounts, call a Gesa Commercial Services Representative today at 509.942.6150.

Image of a lady standing behind a cash register

Business Checking

Gesa offers a selection of three Business checking accounts, one of which will surely match your business needs. Each Business checking account is accompanied by free Online Banking internet access, Bill Payer, a free debit card, overdraft protection from a Savings or Money Market account, and free eStatements through Online Banking.

Value Checking

Value Checking is an account for small businesses, organizations, and DBA enterprises that have a lower volume of transactions each month.

  • No per deposited or cleared check fee if 50 items or less are presented each month
  • No monthly service charge
  • Low $100 minimum deposit required to open the account

Versatile Checking

Versatile Checking is tailored for businesses with a moderate level of account activity.

  • No per deposited or cleared check fee if 200 items or less are presented each month
  • Enjoy the flexibility and freedom that comes from a Versatile Checking account
  • Low minimum balance of $100 opens the account, and a low daily balance of $5,000 is required to waive a monthly service fee

Analysis Checking

If your business has a high volume of deposits and checks each month, or requires cash management services, then Gesa's Analysis Checking is your checking choice.

  • Account analyzes your activity and charges based on use, but also earns credit back based on your balance
  • Earnings credit is used to offset the service fees at the end of each month’s cycle. The earnings credit can be a powerful tool to keep costs low
  • Low $100 minimum deposit required to open the account

Analysis Checking Rates

Account TypeEarnings Credit
Analysis Checking .300%

*APR = Annual Percentage Rate. Rates, terms, and fees are subject to change.

Business Overdraft Protection

Business Courtesy Pay

There are times in life when you need a little extra help. In those unexpected situations when you are short on funds, Business Courtesy Pay may save you from merchant NSF fees, interruption of services, and the embarrassment and inconvenience associated with returned or declined items. You can choose one type of account coverage, or all three! Whatever works for you, works for us.

Anyone who has had a check returned or debit card declined knows how quickly a small mistake can turn into big consequences. Returned item fees charged by merchants and creditors add up quickly. At Gesa, we have options to help you:

Option 1: Courtesy Pay

Courtesy Pay is offered as a safety net for eligible members. This coverage allows you to overdraw your checking account by $500.

  • It costs you nothing if you never use it
  • Easy to enroll—in a Member Service Center or by phone: 1.888.946.4372, Ext. 1201
  • No cost to sign up
  • 30 days to repay
  • $29 per use
  • Overdraft accounts could be charged $5/day for each day the account is negative.

Option 2: Savings Transfer

Make it automatic! Before Courtesy Pay or an Overdraft Line of Credit is accessed, your overdraft will be taken from your savings account.

  • Transfers are automatic when you overdraw your checking
  • Worry-free coverage up to the amount available in your savings
  • No enrollment or applications necessary
  • $5 transfer fee
  • 6 transfers or withdrawals can made per month

Option 3: Unsecured Overdraft Line of Credit

A great option for members who want to use their Unsecured Overdraft Line of Credit as an overdraft source.

  • Competitive rates, higher credit line
  • Easy access to funds
  • Fast application process—by phone, online, or at a Member Service Center

Notes and Fees

*APR = Annual Percentage Rate. Rates, terms, and fees are subject to change. We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined. We do authorize and pay overdrafts for checks and other transactions made using your checking account number and automatic bill payments. Beginning August 15, 2010, we will not authorize and pay overdrafts for ATM transactions and everyday debit card transactions unless you ask us to. Contact Gesa for complete program details, fees and disclosures.

Loan dependent on approval of credit. Rates, terms and fees subject to change. Contact Gesa for full program details.

Courtesy Pay: Funds from your corresponding savings account will be transferred first to cover your overdraft, for a $5.00 fee. If there is not enough in your savings account to cover the overdraft, your account will be charged the standard NSF fee of $29 for handling each item even if paid by the discretionary Courtesy Pay privilege. This privilege for consumer checking accounts will generally be limited to a maximum of $500 overdraft (negative) balance. Any and all fees and charges, including the non-sufficient funds fees for paid items using Courtesy Pay as well as returned items (as set forth in Gesa’s fee schedules and disclosures), will be included as part of this maximum amount. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if you have met your $500 limit for Courtesy Pay; are not in good standing with Gesa; have not maintained the required $5 Primary Savings account deposit; have a Gesa loan that is past due; your Courtesy Pay privileges have been revoked on another Gesa account; or if the amount needed to cover your payment exceeds your $500 Courtesy Pay limit. The total of the discretionary Courtesy Pay (negative) balance, including all fees and charges, is due and payable upon demand, and Depositor and each Authorized Signatory will continue to be liable, jointly and severally, for all such amounts, as described in the Member Account Agreement with a maximum repayment period of 30 days. Overdraft Fee Transaction Categories - The categories of transactions for which an overdraft fee may be imposed are those by any of the following means: check, in-person withdrawal, ATM withdrawal, or other electronic means.


A Gesa Business Savings account offers competitive rates, convenient access to your account through Online Banking, and ensures your membership as a business account member.

  • Low minimum balance of $100 to open and maintain the account
  • Competitive rates assure that your funds are working for you
  • Low monthly service charge can be waived, based on the aggregate average daily balances in all other Business accounts
  • Use this account for overdraft protection from a checking or money market account

To open a Business Savings account, call a Gesa Commercial Services Representative today at 509.942.6155.

Business Savings Rates

Account TypeEarnings Credit
Business Savings 0.04%

*APY = Annual Percentage Yield. Rates, terms, and fees are subject to change.

Notes and Fees

Money Market

Open a Business Money Market account to earn higher dividends based on one of five balance tiers.

  • Maintain a low $2500 daily balance to earn tiered interest rate
  • Enjoy six remote withdrawals or transfers a month
  • Acts as overdraft protection for any Gesa Business checking account
  • Dividends paid monthly

To open a Money Market account, call a Gesa Commercial Services Representative today at 509.942.6155.

Business Money Market Rates

Average Daily BalanceAPY*
$2,500-$9,999 0.07%
$10,000-$49,999 0.12%
$50,000-$99,999 0.17%
$100,000-$499,999 0.22%
$500,000+ 0.27%

*APY = Annual Percentage Yield. Rates, terms, and fees are subject to change.

Notes and Fees

Money Market Sweep

Help your money work harder for your business with a Money Market Sweep account. Perfect for businesses that have established target balance, this account will sweep and collect any balances above that target so it can earn dividends.

  • No minimum balance to open or maintain the account
  • Funds are moved into and out of your Sweep account based on a targeted balance established for your Business Analysis Checking account.
  • Small set-up and monthly service fee
  • Unlimited deposits

To open a Money Market Sweep account, call a Gesa Commercial Services Representative today at 509.942.6155.

Money Market Sweep Rates

Average Daily BalanceAPY*
$0-$49,999 0.08%
$50,000-$249,999 0.08%
$250,000-$2,499,999 0.13%
$2,500,000+ 0.18%

*APY = Annual Percentage Yield. Rates, terms, and fees are subject to change.

Notes and Fees


If you're seeking a higher-yielding fixed-rate savings account for funds that are in excess of your current operating requirements, consider our Business Certificate accounts.

  • Terms ranging from three to sixty months
  • Interest is compounded and paid monthly at maturity
  • Choose one of three tier levels for your account. Certificates can be used as collateral to secure a loan at a competitive margin.

To open a Certificate account, call a Gesa Business Services Representative today at 509.942.6155.

Business Certificate Rates

(min. balance $2,500)
(min. balance $50,000)
(min. balance $100,000)
3 0.20% 0.20% 0.20%
6 0.21% 0.26% 0.31%
12 0.35% 0.40% 0.45%
16 N/A N/A N/A
18 0.75% 0.80% 0.85%
24 0.85% 0.90% 0.95%
30 0.90% 0.95% 1.00%
36 1.10% 1.15% 1.20%
48 1.50% 1.55% 1.60%
60 1.90% 1.95% 2.00%

*APY = Annual Percentage Yield. Rates, terms, and fees are subject to change.

Notes and Fees

A $2,500 minimum deposit is required for Business Certificates. Early withdrawal penalties will apply. Certificate rates are for a limited time only. Stated rates are as of 1/1/2016 and are subject to change.

Additional Account Information
Terms and Conditions

Business Analysis Account Fees
Business Account Fees

Cash Management Services

Make life easier with the cash management services Gesa has lined up for you and your business.

  • Online Banking accessed from is our online account service, so you can conveniently keep track of all your day-to-day account activity.
  • Bill Payer is the online bill paying service, to help automate your accounts payable.
  • ACH offers business owners the ability to maintain control of available funds until the moment they need them to cover disbursements. It’s not only a great time-saver but a great way to save money, too.
  • Wire Transfers: For the business member who needs to move funds quickly and safely, wiring funds is one of the best and most convenient options. This service is available at all Member Service Center locations and through Online Banking.
  • Merchant Card Services: Gesa offers Merchant Processing Solutions to small business owners to help them expand their customers' payment options, simplify business operations, and increase revenue with merchant card processing.
  • EFTPS: The Electronic Federal Tax Payment System (EFTPS) is the easiest way to pay all your Federal taxes. EFTPS is offered free from the U.S. Department of the Treasury to help business owners conveniently pay all their federal taxes electronically. Visit their website at to get started today!
  • Payroll Services by Paychex are an efficient and reliable way to manage your payroll processing.
  • Along with your Business checking account, you’ll want to be sure to add the convenience of a Business debit card.

ACH and Wire Services

ACH Services

Gesa’s ACH service is used in conjunction with our Business Analysis Checking Account. With Gesa’s ACH service, you can reduce the time and expense of writing, processing and reconciling checks.

  • Electronically debit or credit bank accounts of employees, customers and vendors by submitting your batch file to Gesa.
  • Conduct payroll transactions, consumer collections, business-to-business payments/collections, cash concentration and tax payments.
  • Batch files may be manually created, generated from a template or imported from your personal accounting software in standard NACHA format.
  • Maintain control over employee permissions with batch creation and approvals.
  • View saved, pending and completed ACH transactions.
  • Add, edit and manage receivers.

How does it work?

To get started, you can simply request approval of this service by contacting your local Gesa Member Service Center. Transaction limits are assessed for security and risk purposes. Once approved for ACH service, you may sign onto Online Banking and click the ACH tab. Download the ACH administrator's manual.

Wire Transfers

When your business needs to move money around in a hurry, Gesa offers wire transfers which are available at all Member Service Center locations as well as on Online Banking. Wire transfers allow precise timing of payments, accurate projections of disbursements and are particularly useful for handling high-dollar transactions.

Wire transfers offer the following benefits:

  • Accepted worldwide
  • Facilitate timely transactions
  • Can be one-time or repetitive wires
  • You can build a database of wire recipients for future use