Business Accounts —
Business Checking and Savings
Take your business to the next level with flexible checking and savings accounts, competitive rates, and convenient online banking. Support your business while helping your local communities grow.
- Free Online Banking access
- Bill Pay
- Competitive rates
Analysis Business Checking
Analysis Business Checking
For small and commercial businesses that have a high volume of deposits and checks each month
- 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
Value Business Checking
Value Business Checking
Best for small businesses that have a low volume of transactions and want an economical account that’s easy to manage.
- No fee per deposited or cleared check if 100 or less are presented each month*
- No monthly service charge
- Low $100 minimum deposit required to open an account
Versatile Business Checking
Versatile Business Checking
Tailored for small and medium-sized 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
Municipality Interest Checking
Municipality Interest Checking
A specialized business 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
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
Business Savings Accounts
Business Savings Accounts
Best for small and commercial businesses looking for competitive rates and overdraft protection for a checking or money market account.
- Balance of $5 to open an 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
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
- Acts as overdraft protection for any Gesa Business checking account
- Dividends paid monthly
Money Market Sweep
Money Market Sweep
Ideal for commercial 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
Business Certificates
Business Certificates
Best for small and commercial businesses 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
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
Business IRETA
Business IRETA
Real estate trust accounts are business 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 Oregon and Washington State.
- Minimum of $100 to open account
- No minimum balance required to maintain account
- No monthly service charge
- NCUA insured up to $250,000
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
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.
Commercial Term and SBA Loans
With a Gesa Commercial Term Loan or an SBA loan, you can grow your business with term loans for larger, long-term expenditures.
Notes and Fees
Versatile and Analysis Checking
*APY = Annual Percentage Yield. Rates, terms, and fees are subject to change
Savings for your business
* 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 $5.00 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
Certificate Accounts
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 and subject to change
Business IOLTA
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.
Business IRETA
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.
Business RETA
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.
Nonprofit Interest Checking
Rates, terms, and fees are subject to change. Only available to nonprofit organizations located in Washington, Oregon, and Idaho.
Municipality Interest Checking
$25 monthly service charge. Rates, terms, and fees are subject to change. Only available to municipalities located in Washington.
Business Money Market Accounts
Dividends for the Business Money Market Account are calculated by a 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 to open a Money Market Account is $2,500.00. A minimum average daily balance of $2,500.00 is 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 Business 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.
Value Business Checking
*Per item includes checks, ACH debits and credits, deposits (excluding online banking transfers).
† All rates, terms, and fees subject to change. Contact Gesa for full program details.
Notes and Fees
*APY = Annual Percentage Yield. Rates, terms, and fees are subject to change
* 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
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 and subject to change
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.
*Per item includes checks, ACH debits and credits, daesposits (excluding onine banking transfers)
Routing Number: 325181248
51 Gage Blvd. Richland, WA 99352
Federally insured by NCUA
Equal Housing Opportunity
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Branch
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Up to 5.00% APY
On select checking accounts!
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Routing Number 325181248
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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 |