Commercial Banking —

Treasury Management

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

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 Paying

Bill Pay is the online bill paying service, to help automate your accounts payable.

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, which are available at all Branch locations as well as via Online Banking. 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 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.

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

Gesa’s ACH service is used in conjunction with our Business Analysis Checking Account. With Gesa’s ACH service, you can save time and expenses while moving money efficiently and fast.

  • 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 Branch. 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.


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

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.

Option 1: Courtesy Pay

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.

Option 2: Savings Transfer – the automatic option

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
  • $3.50 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 Branch

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. 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 $3.50 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 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 please contact:


Anna Sauceda

Public Funds Relationship Manager

(509) 942-6136