Checking and savings — Everyday banking made for you. No on-going balance requirements on checking or primary savings accounts 5 minutes or less to apply online Debit cards that give back to your choice of organization AllCheckingSavingsYouth + Student Additional Gesa Savings Accounts Student, Explorer Youth, and Minor SavingsSavings accounts designed for members ages 0-20. Learn more IRA Accounts and CertificatesStart saving today for a retirement full of possibilities with one of our IRAs (Individual Retirement Account) Learn more Health Savings AccountA health savings account can help you stay on top of health care costs while growing your savings. Learn more Certificate Accounts and Bump CertificatesBump certificates offer you the flexibility to maximize savings. If rates increase, “Bump up” your certificate to the current rate once during the term. Learn more 30+ community debit cards to choose from. Select any checking account and choose one of 30+ debit cards that give back to the community when you swipe. Over $500,000 given back to the community through Gesa’s debit card program – free of charge! Browse optionsNotes and FeesSmartPlus Checking * 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. *To earn the higher rate, you must: Enroll in eStatements Make a monthly direct deposit of over $200 Complete 15 debit card transactions Provide and maintain a valid email address 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. Smart Checking * No minimum account opening deposit if opened in person. If opened online, $25. Smart Savings * APY = Annual Percentage Yield. Rates, terms, and fees are subject to change. APY is accurate as of 11/01/2021 or the first day of the month – the last dividend declaration date. Dividends on Primary Savings are calculated using the daily balance method and are paid monthly. Rate may change after the account is opened. The par value of a share in this account is $5.00. The amount necessary to open the account is also the amount necessary to earn the stated APY. Fees could reduce earnings on the account. SmartPlus Savings * 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. *To earn the higher rate, you must: Enroll to receive eStatements For any month where the account does not meet the qualification requirements, the account will earn a lower rate. Dividends on an Addvantage 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 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. Limit of one Addvantage Savings account per member. Money Market * 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. 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. 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.