Gesa Credit Union (“Gesa”, “we”, “us” or “our”) is committed to the safety of our members’ sensitive personal information. This “Privacy Policy” covers your interaction with Gesa when you use our mobile banking applications, visit our website (gesa.com) and/or email us (collectively, “Sites”). Please read this policy carefully to understand how we handle user privacy.
If you seek, apply for, or obtain financial products or services with us, we will use and share the information we collect from or about you in accordance with our Privacy Policy, available here Privacy Policy.
When you visit or use our Sites, you may be asked to provide information about yourself that is personally identifiable (“Personal Information”). This may include:
In addition, we may automatically collect and store the following information about your visit to the Sites:
We use information that we collect about you or that you provide us, including any Personal Information:
We may share your Personal Information in accordance with the practices set forth in our Consumer Privacy Policy and as required to meet legal and regulatory obligations.
If your web browser settings allow cookies, our Sites will utilize them. You may disable or remove cookies by accessing your web browser settings. Our Sites will still function without cookies, but some features may not work properly. Certain web browsers offer a “Do Not Track” (DNT) option that permits users to select a preference not to have information about web browsing activities monitored and collected. Please note that due to a lack of consistent standards across browsers, our Sites may not respond to DNT browser settings.
To enhance your experience and improve the functionality of our website and digital services, Gesa Credit Union uses cookies and similar technologies. These tools help us understand how users interact with our site, remember preferences, and deliver secure, personalized services.
What Are Cookies?
What Are Cookies? – Cookies are small text files stored on your device when you visit a website. They allow the website to recognize your device and remember your preferences or activity across sessions.
Types of Cookies We Use
We use different types of cookies to support the operation and security of our services:
Cookies for Online Banking and Security
Some cookies are essential for secure access to Online Banking. For example:
Managing Your Cookie Preferences
You have the ability to control the use of cookies through your browser settings. You can:
For more information on how to control or disable cookies, visit your browser’s Help section.
From time to time, we may advertise on networks such as the Google Content Network, Facebook Ads, LinkedIn Ads, and other programmatic advertising platforms that use your browsing behavior across websites to serve interest-based ads. Gesa also uses technologies like Remarketing with Google Analytics and integrations through Salesforce Marketing Cloud to improve the relevance of our marketing and outreach.
Using these tools, a unique ad-serving cookie or tracking pixel may be placed on your browser or device. This allows us to collect non-personal information such as browser type, pages visited, time on site, and interactions with our ads or emails, which helps us deliver content and promotions better tailored to your interests.
Your Choices: Opting Out of Targeted Advertising
We respect your right to control your data. If you prefer not to receive personalized advertising, you can opt out in several ways:
Please note that even if you opt out of personalized ads, you may still see general advertising that is not tailored to your interests.
Gesa’s Sites may contain links to other websites (“third-party website”) for additional services and/or purely for informational purposes. Other websites include third-party vendors and social media platforms such as Facebook, Instagram, X, Vimeo and Linkedin. When you use a link online to visit a third-party website, you will be subject to that website’s privacy, use and security practices, which may differ from ours. You should familiarize yourself with the privacy policy, terms of use, and security practices of the linked third-party website before providing any information on that website. A link between this website and another website does not constitute a product or program endorsement by Gesa or any of its employees. Gesa has no control over and is not responsible for the content or privacy practices of third-party websites.
The Children’s Online Privacy Protection Act (COPPA) was passed to give parents increased control over what information is collected from their children online and how such information is used. The law applies to websites and services directed to, and which knowingly collect information from, children under the age of 13. Gesa’s Sites are not directed to children under the age of 13, nor is information knowingly collected from them. For additional information on COPPA protections, visit the Federal Trade Commission website.
All contents of this website are protected by copyright and are property of Gesa and may not be reproduced or reprinted without permission. This site provides links to external web sites strictly as a web resource for our members. The contents of these sites do not reflect the endorsement of Gesa for any opinions, products or services that may be offered on those sites.
Where can Gesa members access in and out-of-network negotiated rates and net prices for medical and RX? The files are posted publicly and Gesa should post these to their public site. These files are not user friendly and Premera advice to educate members on utilizing the cost comparison tool available in each member’s account on Premera.com. machine-readable files are posted publicly at S365 MRF Hub (sapphiremrfhub.com). Please note this includes the INN and OON files only.
S365 MRF Hub (sapphiremrfhub.com)
Your use of Gesa’s SMS message service (the “SMS Service”) constitutes your agreement to these terms and conditions.
Your wireless carrier’s message and date rates may apply to SMS correspondence. Gesa Credit Union does not charge for any content; however, downloadable content may incur additional charges from your wireless carrier based on your individual plan. Please contact your wireless carrier for information about your messaging plan. Your carrier may impose message or charge limitations on your account that are outside our control. All charges are billed by and payable to your wireless carrier.
You represent that you are the owner or authorized user of the wireless device you use to receive the SMS Service, and that you are authorized to approve the applicable charges.
Informational/Transactional Text Messages
By providing your telephone information to Gesa you expressly authorize us to contact you at the telephone numbers you provided, so we can assist you with your account and account services or take measures to prevent fraud on your account. This means that we and/or our third party providers working on our behalf may contact you by telephone or text messages at the telephone numbers associated with your account, including wireless telephone numbers (i.e. cell phone numbers) which could result in charges to you, in order to service your account, collect any amounts owed to us, or provide you information about your account, including information related to suspected or actual fraudulent activity on your account, data security breaches, or identity theft following a data breach, money transfers, account balances and other account related messages. To stop receiving text messages for any of the SMS Services on your phone, text “STOP” to the applicable SMS Short Code.
Marketing Text Messages
To be eligible to sign up to receive marketing text messages, you must have a valid email address on file and be subscribed to receive marketing emails from Gesa. We will periodically send an invitation to sign up to receive marketing text messages and once received, you must complete an opt-in form in order to receive these marketing text messages. You agree to receive these messages at the number of the phone that you used to opt-in, which you own or are authorized to provide. Your consent to receive these automated text messages is not a condition of receiving any Gesa product or service. When you sign up to receive marketing text messages, you will receive up to 4 messages per month. You may revoke your consent at any time. You can reply HELP for additional information about the service. To revoke your consent at any time text “STOP” to 51283. After you send the SMS message “STOP” to us, we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us. If you want to resubscribe to marketing text messaging, you will have to complete an opt-in form again. Marketing text massaging is different than informational/transactional text messaging. For additional help, text HELP to 51283, email [email protected], or call (888) 946-4372.
General Terms
Gesa Credit Union will not be liable for any delays or failures in your receipt of any SMS messages as delivery is subject to effective transmission from your network operator and processing by your mobile device. NO WARRANTY: THE SMS SERVICE IS PROVIDED ON AN “AS IS,” AS AVAILABLE BASIS, AND WE MAKE NO WARRANTY, EXPRESS OR IMPLIED, AND ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF TITLE, NON-INFRINGEMENT MERCHANTABILITY AND FITNESS FOR PARTICULAR PURPOSE, ARE HEREBY EXPRESSLY DISCLAIMED.
Data obtained from you in connection with this SMS Service may include your mobile phone number, your carrier’s name, the date, time, and content of your messages, and other information that you may provide. We may use this information to contact you and provide information about Gesa Credit Union or surveys about how we could improve our offerings. Your wireless carrier and other service providers may also collect data from your SMS usage, and their practices are governed by their own policies. We will only use the information you provide to the SMS Service to transmit your text message or as otherwise described in this document. Nonetheless, we reserve the right at all times to disclose any information as necessary to satisfy any law, regulation, or governmental request, to avoid liability, or to protect rights or property. When you complete forms online or otherwise provide us information in connection with the SMS Service, you agree to provide accurate, complete, and true information.
The service, as well as the content and materials received through the SMS Service, are proprietary to us and our licensors, and are for your personal, non-commercial use only. You shall not damage, impair, interfere with or disrupt the service or its functionality. The SMS Service is available only in the United States.
LIMTIATION OF LIABILITY: NEITHER GESA NOR ITS EMPLOYEES, REPRESENATIVES OR AGENTS, SHALL BE LIABLE FOR ANY COSTS, LOSSES OR DAMAGES OF ANY NATURE OR KIND WHATSOEVER ARISING DIRECTLY OR INDIRECTLY FROM YOUR USE OF THE SMS SERVICE, INCLUDING ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES, AND YOU HEREBY FOREVER RELEASE AND DISCHARGE GESA AND ITS EMPLOYEES, REPRESENTATIVES AND AGENTS FROM ANY SUCH LIABILITY.
We reserve the right to alter these terms and conditions from time to time. Your continued use of the SMS Service constitutes your agreement to any such changes. We may suspend or terminate the SMS Service to you if we believe you are in breach of our terms and conditions. Your SMS Service is also subject to termination in the event your wireless service terminates or lapses. We may discontinue the service at any time, with or without cause, and with or without notice.
Compatible carriers include: AT&T, Sprint/T-Mobile, Verizon Wireless, CellCom USA, C Spire Wireless, U.S. Cellular, Carolina West Wireless, Google Voice, ACS/Alaska, Advantage Cellular (DTC Wireless), Appalachian Wireless, Bluegrass Cellular, Cellular Network Partnership (PIONEED), Cellular One of East Centrak Illinois, Chat Mobility USA, Coral Wireless (Mobi PCS), Element Mobile (Flat Wireless), Epic Touch (Elkhart Telephone), GCI Communications Corp, Golden State Cellular, Illinois Valley Cellular (IV Cellular), i Wireless (IOWA Wireless), Nex-Tech Wireless, MTA Communications, MTPSC (Cellular One Nation), Cross Telephone Company (MBO Wireless), Duet IP (Maximum Communications New Core Wireless), Inland Cellular Telephone Company, Immix (Keystone Wireless), Mosiac (Consolidated or CTC Telcom), Northwest Missouri Cellular Limited, Peoples Wireless, Panhandle Telecommunications Systems (PTCI), RINA, Revol Wireless USA, SI Wireless/Mobile Nation, SRT Wireless, TexasRSA 3 LTD (Plateau Wireless), Thumb Cellular, United Wireless, Union Telephone Company (Union Wireless), Viaero Wireless, West Central Wireless (5 Star Wireless), Sagebrush Cellular (Nemont), Pine Cellular, Aio Wireless/Cricket, SouthernLinc, Bandwidth, Copper Valley, Leaco, Cablevision, Buffalo Wireless, Chariton Valley Cellular, Pine Belt Wireless, and Atlantic Tele-Network International (ATN). This list of compatible carriers is subject to change. T-Mobile® is not liable for delayed or undelivered messages.
If you have any questions or complaints about this Website Privacy Policy or the Sites’ data collection or processing practices, or if you want to report any security violations to the Sites, please contact us at 888.946-4372 or send us an email at [email protected], through our Contact Us page, or by mail:
Gesa Credit Union
P.O. Box 500
Richland, Washington 99352
We reserve the right to update and change this policy from time to time. If we do, we will let you know by appropriate means, such as by posting the revised policy on this page with a new “Last Updated” date. Any changes to our policy will become effective when posted unless indicated otherwise.
Last Updated: April 2025
If you have any questions about our privacy practices, contact us by calling (509) 378-3100 or (888) 946-4372, sending us an email, through our Contact Us page, or writing to us at Gesa Credit Union, P.O. Box 500, Richland, Washington 99352.
Certain web browsers offer a “Do Not Track” (DNT) option that permits users to select a preference not to have information about web browsing activities monitored and collected.
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Gesa makes banking as easy, convenient and secure as possible.
Gesa credit union is committed to making a positive impact in the communities we serve.
Affinity debit cards give back to your community when you swipe.
We have the accounts, products, and services to help you and your small business succeed.
With best-in-class rates and a variety of everyday banking products, Gesa has the right account, card, or loan for you.
Up to 5.00% APY
On select checking accounts!
Routing Number 325181248
Applying should only take a few minutes. Please have these documents ready:
Use your online banking log-in to pre-fill your application with saved information.
You can easily change your debit card through our affinity form.
| Disclaimer | ||
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| 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 |
