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Commercial Banking —

Treasury Management

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

Online and Mobile Banking

Convenient Online and Mobile Banking

Gesa’s Online Banking is accessed from and is our online account service, so you can conveniently keep track of all your day-to-day account activity.

Easily access Mobile Banking to make remote check deposits as well as access your account via your mobile device 24/7.

Online Bill Pay

Online Bill Pay is a secure electronic service that lets you pay bills without having to write checks. It saves time, and there is no need for stamps or snail mail. You can easily set up one-time or recurring payments.


A sweep is a way to automatically move funds to maximize your investment income and minimize interest expenses. There are three types of sweeps:


  • Money Market Business Sweep 
  • LOC Sweep
  • ZBA Sweep

For more information on this service, please contact our Treasury Management Officers at (833) 322-1893.

Maintain Control of Funds

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

When your business needs to move money around in a hurry, Gesa offers wire transfers. Wire transfers allow precise timing of payments, accurate projections of disbursements and are particularly useful for handling high-dollar transactions.


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

Merchant Services

Merchant Services—often called credit card processing—is what handles electronic payment transactions. They are generally run through an account that a merchant sets up to facilitate debit and credit card processing. Gesa offers Merchant Services to all business owners to help them expand their customer payment options.

Merchant Deposit Capture (MDC)

Merchant Deposit Capture (MDC) is an easy way to scan and deposit checks electronically using a desktop scanner connected to your PC. With this service, there is no longer a need to take a copy of a check, purchase deposit tickets, or send employees to the bank—it saves time and money as well as improves cash flow.

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!

ACH Services

Automated Clearing House (ACH)

Also known as direct payments, we use the ACH service in conjunction with our Business Analysis checking account. This service can save you time and money while moving funds quickly and efficiently.

  • 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 or collections, cash concentration, and tax payments.
  • Same Day ACH options ensure your transfers are sent in an expedited batch for processing that day.
  • You can create batch files manually, 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?

For information on this service, please contact our Treasury Management Officers at (833) 322-1893. We assess transaction limits for security and risk purposes. Once approved for our ACH service, we’ll give you instructions and training on how to use ACH within our online banking platform.

Business Overdraft Protection

Business Courtesy Pay

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.

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.

For more information about your overdraft options call (888) 946-4372, Ext. 1201.

Courtesy Pay is offered as a safety net for eligible members. This coverage will provide at least $200 of coverage should you overdraw your checking account.

  • It costs you nothing if you never use it
  • Courtesy Pay limit may vary based on your checking account history, overdraft transactions and payments
  • Easy to enroll—in a Branch or by phone: (888) 946-4372, Ext. 1201
  • No cost to sign up
  • 20 days to repay
  • $29 per use
  • Overdraft accounts could be charged $5 per day for each day the account is negative.

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
  • $5.00 transfer fee
  • 6 transfers or withdrawals can made per month

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 Branch

*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. 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 business checking accounts will generally provide at least $200 of overdraft balance coverage. The Courtesy Pay limit may vary based on your checking account history, overdraft transactions, payments and your use of the service. 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 the Courtesy Pay limit. 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 Courtesy Pay limit; 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 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 20 days or the Courtesy Pay limit may be reduced to $0. Accounts must be brought positive within 30 days or the service may be suspended or terminated. 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.

Public Deposits

Public Funds Deposits Program

Gesa’s Public Funds Deposits Program gives Public and Municipal entities the option to bank with a local credit union keeping funds local, which benefits our communities.  Gesa is on the list of approved financial institutions for banking by the Washington State Treasurer and can accept Public Funds and Municipal deposits for collateralization in excess of $250,000.00.

For more information on Treasury Management, please call (833) 322-1893.

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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.

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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!

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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:

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

*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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