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Business Accounts —

Business Checking and Savings

Checking and Savings Accounts to take your business to the next level

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Analysis Business Checking
Analysis Business Checking

For businesses that have a high volume of deposits and checks each month

  • .30% APY*
  • Includes Cash Management Services
  • Analyzes your activity and charges based on use
  • Earn credit back based on balance
  • Use earned credits to offset service fees
  • Helps keep costs low
  • Low $100 minimum deposit required to open account
Notes and Fees
Business CD Texture
Business Certificates
Business Certificates

Best for those seeking a higher-yield, fixed-rate savings account for excess funds

  • Terms ranging from 3 -60 months
  • Interest is compounded and paid monthly and at maturity
  • Choose 1 of 3 tier levels for your account
  • Certificates can be used as collateral to secure a loan at a competitive margin
Notes and Fees
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Business Money Market Accounts
Business Money Market Accounts

Best for those looking to earn higher dividends

  • Maintain a low $2,500 daily balance to earn tiered dividend rate
  • Enjoy six remote withdrawals or transfers a month
  • Acts as overdraft protection for any Gesa Business checking account
  • Dividends paid monthly
Notes and Fees
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Business Savings Accounts
Business Savings Accounts

Best for competitive rates and overdraft protection for a checking or money market account

  • Balance of $100 to open and maintain 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
Notes and Fees
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Money Market Sweep
Money Market Sweep

Ideal for businesses that have established a target balance

  • No minimum balance to open or maintain the account
  • Funds moved in and out of Sweep account based on target balance
  • Small set-up and monthly service fee
  • Unlimited deposits
  • Dividends paid monthly
Notes and Fees
Texture Savings
Value Business Checking
Value Business Checking

Best for small businesses that have a lower volume of transactions each month

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

Tailored for businesses with a moderate level of account activity

  • Flexibility and freedom for your business
  • No fee per deposited or cleared check if 200 items or less are presented each month
  • Low minimum of $100 to open account
  • Daily balance of $5,000 required to waive monthly service fee
Notes and Fees
Business Checking
Municipality Interest Checking
Municipality Interest Checking

A checking account with tiered interest rates, perfect for municipalities in Washington only.

  • Minimum of $100 to open account
  • $500 minimum balance required to earn dividends
  • No fee per deposited or cleared check if 200 items or less are presented per month
Notes and Fees
Business Checking
Nonprofit Interest Checking
Nonprofit Interest Checking

This checking account offers tiered interest rates for nonprofit organizations across Washington, Oregon, and Idaho.

  • Minimum of $100 to open account
  • $500 minimum balance required to earn dividends
  • No monthly service charge
  • No fee per deposited or cleared check if 50 items or less are presented per month
Notes and Fees
Business Trusts
Business RETA
Business RETA

For Idaho realtors and other real estate firms only, this non-interest account is designed for depositing pooled client funds.

  • Minimum of $100 to open account
  • No minimum balance required to maintain account
  • No monthly service charge
  • NCUA insured up to $250,000
Notes and Fees
Business Trusts
Business IRETA
Business IRETA

Real estate trust accounts are checking accounts for realtors and other real estate firms that need to separate client funds from their own. Interest earned on an IRETA is paid to housing assistance and education programs as directed by the Washington State and Oregon State.

  • Minimum of $100 to open account
  • No minimum balance required to maintain account
  • No monthly service charge
  • NCUA insured up to $250,000
Notes and Fees
Business Trusts
Business IOLTA
Business IOLTA

Exclusively for legal professionals, this interest-bearing trust account allows client funds to generate interest for the state’s Legal Foundation – available in Washington, Oregon, and Idaho.

  • Minimum of $100 to open account
  • No minimum balance required to maintain account
  • No monthly service charge
  • Interest earned on the account is remitted the respective state’s Legal Foundation to provide legal services to those in need
  • NCUA insured up to $250,000
Notes and Fees
Overdraft Protection

Business Overdraft Protection

There are times in life and business 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.

Need a loan? Our Commercial Banking team has your back.

Notes and Fees

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

Business Account Fees (PDF)

To view the PDFs, you may need to download the free utility Adobe Reader.

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

Dividends on Business Savings are calculated using the daily balance method and are paid monthly. Rate may change after the account is opened. The minimum balance to open the Savings Account is $100.00 and you must maintain a minimum $100.00 in your account to avoid a service fee. A minimum daily balance of $500.00 in the account each day is necessary to earn the stated APY. Fees could reduce earnings on the account. APY is accurate as of 11/01/2022.

Business Account Fees (PDF)

Business Analysis Account Fees (PDF)

To view the PDFs, you may need to download the free utility Adobe Reader.

Minimum deposit balance must be maintained to earn APY and fees may reduce earnings on the account. Early withdrawal penalties will apply. Certificate rates are for a limited time only.

APY is accurate as of 11/01/2022 and subject to change

Business Account Fees (PDF)

Business Analysis Account Fees (PDF)

To view the PDFs, you may need to download the free utility Adobe Reader.

A Business Member Share Savings account is required to establish membership. In the event operational fees are assessed to the IOLTA, they will be redirected and charged to the firm’s general operating account.

A Business Member Share Savings account is required to establish membership. In the event operational fees are assessed to the IRETA/RETA, they will be redirected to the firm’s general operating account.

Only available in Idaho. A Business Member Share Savings account is required to establish membership. In the event operational fees are assessed to the IRETA/RETA, they will be redirected to the firm’s general operating account.

Rates, terms, and fees are subject to change. Only available to nonprofit organizations located in Washington, Oregon, and Idaho.

$25 monthly service charge. Rates, terms, and fees are subject to change. Only available to municipalities located in Washington.

People helping people.

Gesa credit union is committed to making a positive impact in the communities we serve.

Affinity Partner Cards

Affinity debit cards give back to your community when you swipe.

We're in the business of growing yours.

We have the accounts, products, and services to help you and your small business succeed.

Business owner

Business Visa:
A low-rate card made for business owners.

Learn More

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.

Gesa customer using card

Up to 5.00% APY
On select checking accounts!

Learn More

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:

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.

Notes & Fees Glossary

 Disclaimer
*APY* APY = Annual Percentage Yield. Rates, terms, and fees are subject to change. APY is accurate as of the first day of the month – the last dividend declaration date.
SmartPlus Checking*To earn the higher rate, you must:
  1. Enroll in eStatements
  2. Make a monthly direct deposit of over $200
  3. Complete 15 debit card transactions
  4. Provide and maintain a valid email address
  5. Limit one account per member
For any month where the account does not meet the qualification requirements, the account will earn a lower rate. Minimum balance of $5 needed to open.Qualifying account balances meet minimum requirements. APY subject to change monthly. 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. Limit of one specialty checking account (Smart Plus Checking) per member.

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