The debit card that plants trees with every purchase—at no cost to you.

Forevergreen

The card that plants trees

210,147 trees and growing! With the help of our partners, the Arbor Day Foundation!

Eco-friendly checking

Every time you use your card, Gesa donates credit union funds to the Arbor Day Foundation’s Pacific Northwest tree‑planting program. There’s no cost to you—just an easy way to support sustainability and reforestation in Washington, Oregon, and Idaho.

What’s the impact?

A breath of fresh air

210,147 new trees across the Pacific Northwest improve the health of local forests and our air. These trees are projected to sequester over 45,136 metric tons of carbon dioxide—the equivalent of 9,812 fewer cars on the road for a year.

It’s an effective way to enhance air quality in the communities where we live, work, and play—powered by something as simple as your everyday debit card purchases—funded by Gesa.

The trees keep giving

Water‑runoff reduction

Forests play a key role in water health. The trees you help plant will prevent over 6 million gallons of water runoff—enough water for 74,997 people for one day. This water supports cleaner rivers and stronger root systems throughout the Pacific Northwest.

Together we’re restoring native habitats, protecting soil, and improving the natural balance of local ecosystems—helping landscapes recover from past damage and stay strong for future generations.

“Gesa has shown their commitment to environmental stewardship, and demonstrated the importance of inviting a community to participate and engage towards those efforts in a meaningful way.”

Dan Lambe
Chief Executive Officer of
the Arbor Day Foundation

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

Security and protection

Community impact

Powered by new Smart Checking

This hassle-free checking account covers all your basics.

FAQs

How do I switch to a Forevergreen debit card?

You can switch any time with no upgrade fee. If you already have a Gesa checking account, log in to online banking to change your card or visit a branch for help. New to Gesa? Open a checking account online and choose your Forevergreen card during setup.

Are my account funds insured?

Yes. Your deposits are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.

Can I get my debit card instantly at a branch?

Yes. Most Gesa branches offer instant-issue debit cards, so you can get a new or replacement card the same day.

Does the Forevergreen debit card work with digital wallets?

Yes. You can add your Forevergreen debit card to Apple Pay, Google Pay, and Samsung Wallet for secure, contactless payments online or in stores.

I already have a Gesa debit card—can I switch to Forevergreen?

Yes. You can switch to a Forevergreen Affinity card any time by logging in to online banking or visiting a branch to update and personalize your card.

Is the Forevergreen debit card available in Washington, Oregon, and Idaho?

Yes. The Forevergreen debit card is available to all Gesa members in Washington, Oregon, and Idaho. For Oregon and Idaho membership eligibility by county, see Gesa’s membership information.

How does Gesa’s Round Up Savings feature work?

Every debit card purchase is rounded up to the next dollar, and the difference is automatically transferred to your savings. It’s an easy way to grow savings through everyday spending.Every debit card purchase is rounded up to the next dollar, and the difference is automatically transferred to your savings. It’s an easy way to grow savings through everyday spending.

How does the Forevergreen debit card support sustainability?

Every time you use your Forevergreen debit card, Gesa donates its own funds to the Arbor Day Foundation’s Pacific Northwest tree planting program. There’s no extra cost to you, so everyday purchases can help support reforestation in Washington, Oregon, and Idaho.

Does it cost anything extra to use the Forevergreen debit card?

No. Gesa makes the donation, not you. That means you can support tree planting just by using your debit card for everyday spending.

What kind of environmental impact does the Forevergreen debit card support?

The program supports tree planting that improves air quality, reduces water runoff, and helps restore native habitat. It’s a simple way to connect everyday banking with local environmental impact.

How does the Forevergreen program help improve air quality?

According to the Arbor Foundation, 210,147 trees planted across Washington are projected to sequester over 45,349 metric tons of carbon dioxide—the equivalent of 9,859 fewer cars on the road for a year.

How does the Forevergreen program help water health and habitat restoration?

The trees supported by the program are expected to prevent over 6 million gallons of water runoff—enough water for 74,997 people for one day. This water supports cleaner rivers and stronger root systems throughout the Pacific Northwest.

Notes & Fees Glossary

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	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