Limited time
$250* Big Bonus Energy
Three simple steps. That’s it.
- Open a qualifying Smart Checking account with
promo code SMARTS - Set up recurring direct deposits of $250+
- Go paperless with eStatements
How to earn the $250 checking bonus?
Follow these three simple steps and your $250 bonus will be deposited to your savings account within 60 days of completing all requirements
1.
Choose your checking account and apply
Select from three checking accounts—Everyday Smart for simple essentials, EarnSmart™ to earn 3.00% APY*, or EarnSmart Perks™ for premium benefits.
2.
Enroll in eStatements and set up direct deposit
Enroll in eStatements within 60 days of account opening, and receive at least two recurring direct deposits of $250 or more from an employer or government benefits within 75 days.
3.
Receive your $250 bonus
Once you've completed all requirements, your $250 bonus appears in your member share savings account.
Which Gesa checking accounts qualify for the $250 bonus?
All three Smart checking accounts are eligible when you meet requirements and use promo code SMARTS. Choose the account that fits your flow—you can always upgrade later!
EarnSmart Perks™ Checking
Premium checking with a high dividend rate, built-in savings, and premium benefits like cell phone protection, roadside assistance, ID theft restoration, and shopping discounts. $7 monthly subscription cost.
EarnSmart™ Checking
Earn more with minimal effort and a high dividend rate. Fee waived with eStatements or a $200 recurring direct deposit. (otherwise $7/month)
Everyday Smart Checking
Simple everyday banking essentials to keep you moving. Fee waived with eStatements or direct deposit. (otherwise $5/month).
Checking Features:
- Online and mobile banking
- Early direct deposit (get paid up to 2 days early)
- Round-Up savings
- Debit card that gives back to Pacific Northwest communities
- Card Manager for instant card management
Why choose Gesa Credit Union for checking in the Pacific Northwest?
With Gesa, you get more than just a place to park your money. Our checking accounts come with better savings rates, lower loan costs, and fewer fees—all backed by a credit union that puts members first.
Digital banking features
- Manage money anywhere with Gesa's mobile app
- Get paid up to 2 days early with direct deposit
- Send money with Zelle®
- Automatically save with Round-Up
Security and protection
- Lock or unlock your debit card instantly with Card Manager
- Your money is protected by NCUA insurance up to $250,000
- Instant alerts for transactions
- Local fraud team is available when you need support
Community impact
- We donate to local schools and heroes every time you swipe
- We award scholarships for high school seniors, college students, and grads with student loans.
- We partner with local high schools to offer student-run branches and hands-on financial learning.
FAQs
It’s a limited-time offer for new checking accounts. When you open an eligible Gesa checking account with promo code SMARTS and meet simple requirements within 75 days, you’ll receive a $250 bonus deposited to your savings account.
These three accounts are eligible:
- Everyday Smart Checking – simple, low-cost checking
- EarnSmart™ Checking – 3.00%* APY when you meet monthly qualifications
- EarnSmart Perks™ Checking – high APY plus premium perks
Complete these three steps to qualify:
- Open a qualifying checking account using promo code SMARTS
- Enroll in eStatements within 60 days of account opening
- Set up and receive at least two recurring direct deposits of $250 or more from an employer or government benefits within 75 days
Use SMARTS at the time of account opening—online or in a branch. You won’t qualify for the bonus without it.
Log in to Gesa’s online banking or mobile app. Go to “Settings” or “Documents” to switch from paper statements to eStatements—it only takes a minute.
Provide your employer or benefits provider with your Gesa checking account number and routing number (found in online banking).
Set up and receive at least two recurring direct deposits of $250 or more from an employer or government benefits within 75 days
From the day you open your account:
- Enroll in eStatements within 60 days of account opening
- Set up and receive at least two recurring direct deposits of $250 or more from an employer or government benefits within 75 days
Within 60 days of completing all requirements, the bonus will be deposited into your member share savings account.
No. You must not have had a Gesa checking account in the past 24 months to qualify.
Yes.
- Online: $25 minimum opening deposit
- Waived if opened in person at a branch
Depends on the account:
- Everyday Smart – $5/month, waived with eStatements or direct deposit
- EarnSmart™ – $7/month, waived when you meet monthly requirements
- EarnSmart Perks™ – $7/month to unlock premium perks
Yes, but you can become a member during the application process. Gesa membership is open to those who live, work, worship, or attend school in Washington, or parts of Oregon and Idaho. Family and employer relationships may also qualify you.
Every debit card purchase helps fund donations to local schools and nonprofits—$4.9 million given in 2024 alone. You can even choose an affinity card to support the cause you care about.
Disclosures
*Beginning January 5, 2026, for a limited time only, a $250 cash incentive will be paid on all new Everyday Smart, EarnSmart™, or EarnSmart Perks™ checking accounts subject to the qualifying criteria below. To be eligible for the $250 checking incentive, you must have a member savings account, open a new Everyday Smart, EarnSmart™, or EarnSmart Perks™ checking account, enroll in eStatements, and receive a recurring payroll or government benefit direct deposit of $250 or more. You must enroll into eStatements within 60 days of account opening and set up and receive at least two recurring payroll or government benefit direct deposits within 75 days of account opening. The checking account must be opened with a minimum of $25 if opened online. Must use a promo code at the time of account opening to be eligible for incentive. No minimum ongoing balance is required to receive this incentive. Only one $250 Everyday Smart, EarnSmart™, or EarnSmart Perks™ checking incentive can be earned per member. You must be over the age of 18 and must not have had any Gesa checking account within the last 24 months. Within 60 days of completing all of the qualifying criteria, incentive payments will be paid by direct deposit into the member’s savings account and are subject to IRS reporting. The credit union has the discretion to end this checking account incentive promotion at any time. If this account is closed within 180 days from the account opening date, a $20 early account closure fee will be assessed.
APY (Annual Percentage Yield) is accurate as of , EarnSmart™ or EarnSmart Perks™ checking accounts earn 3.00% APY on the first qualified $5,000 in balances. Amounts over $5,000 earn 0.01% APY. In order to earn 3.00% APY on the first $5,000 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 recurring direct deposit of $200 or more post to your account during the qualifying period, 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. For EarnSmart™ checking accounts, the monthly service fee will be waived if you meet the minimum qualification requirements as disclosed in the Truth in Savings Disclosure. The EarnSmart Perks™ checking account provides subscription benefits with a monthly subscription. Rates, terms, and fees are subject to change at any time after account opening. Fees may reduce earnings. Limit of one EarnSmart™ or EarnSmart Perks™ checking account per member.
Routing Number: 325181248
51 Gage Blvd. Richland, WA 99352
Federally insured by NCUA
Equal Housing Opportunity
Co-op Shared
Branch
© Gesa Credit Union. All Rights Reserved.
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Switching Is Simple
Members like you can move to our new suite of Smart Checking accounts in minutes
Call (888) 946-4372 or stop by any branch.
Facing an unexpected financial emergency?
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Gesa credit union is committed to making a positive impact in the communities we serve.
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About Gesa
All debit cards give back to your community
when you swipe.
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.
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.
Up to 5.00% APY
On select checking accounts!
Learn More
Routing Number 325181248
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:
- Social Security Number (SSN)
- Color copy of driver's license, state ID, or US Passport
- Contact info
-
Opening deposit by debit card or e-transfer*
*Credit cards are not accepted.
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.
You can easily change your debit card through our affinity form.
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 |