Checking and savings — SmartPlus Checking A clever way to make your money earn more money. Details Benefits FAQ Get startedSnag SmartPlus and start earning more today Earn a great rate of 5.00% APY on your first $5000 in balances Enjoy free ATM fee refunds nationwide*How to qualify 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 Notes and Fees * APY = Annual Percentage Yield. Rates, terms, and fees are subject to change. APY is accurate as of 05/01/2022, the last dividend declaration date. Minimum opening balance of $25 required if the account is opened online. In order to earn 5.00% 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 settled 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. The APYs range from 0.01% – 5.00% for tiered rate checking account, depending on account and 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* On your first $5000 in balances.0.01% for balances over $5000. Benefits with all Gesa checking accounts Early direct deposit New Feature! Get early access to your direct deposit before it lands in your checking account. Learn more Round up transactions New Feature Round up your transactions to the next whole dollar and grow your savings effortlessly. Learn moreOnline and Mobile banking 24-hour access to your accounts to make transfers, deposit checks, and more. Learn moreNationwide ATMs Access to over 70,000 surcharge free ATMs throughout the CU24 credit union ATM network. Learn moreOverdraft protection In unexpected situations, choose what happens if you are short on funds in your checking account. Learn moreMobile Wallet Pay for your purchases with your Gesa debit or credit card on your smartphone. Learn moreNo monthly service charges We believe in growing your money. That’s why we have no monthly service charges on our personal checking accounts. Apply nowCard Controls Remote card controls and custom alerts to keep you in the loop about your money. Learn more Each swipe of a debit card gives back Gesa’s Affinity Debit Cards empower you and all our members to earn funds for local schools or community organizations just by swiping your debit card – and it costs you nothing! Explore Affinity Debit CardsWhy Gesa? When you bank with Gesa, you keep money in your community and give back to local schools and organizations. $500 000+ given back to local communities Scholarship opportunities for local students Sponsorships and grants for local organizations and events Still have questions?How does overdraft protection work? In those unexpected situations when you are short on funds, 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 (Courtesy Pay, Savings Transfer, and Personal Line of Credit). Whatever works for you, works for us. Learn more about Overdraft ProtectionHow do I reorder checks? Reordering checks is easy! Grab your reorder slip that came with your last box of checks. The slip shows your next start number and your unique reorder identification number. Don’t have that? Call our Member Contact Center at (509) 378-3100 or (888) 946-4372. Learn more about Reordering ChecksAre my account funds insured? Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. Learn more about NCUA Insurance CoverageWhat transactions are eligible for ATM fee rebates? ATM fee rebates are only allowed for eligible Colossal Checking accounts. To qualify, the accounts must have a valid email address, complete 18 debit card purchases, have at least one direct deposit or external ACH auto debit set up, and receive eStatements. For accounts that qualify, ATM fees of $4.99 or less will be reimbursed up to a maximum of $4.99 per individual transaction. Are there any fees with Gesa checking accounts? All Gesa consumer checking accounts have no monthly service charges. What other services come with Gesa accounts? Gesa offers many other services to help members accomplish their financial goals, such as Cashier’s Checks, Safe Deposit Boxes, Savings Bond Redemption, and Notary Service. Learn more about Gesa Resources Still have questions? Contact usCompare to: Smart Checking This option makes a marvelous secondary checking account. It covers all your basics without monthly fees or balance requirements. It’s great to use as a secondary checking account There are no monthly fees, ever Notes and Fees See Details Get Started Student Checking The perfect choice for budget-minded students ages 14-18. 4.00% APY*APY or Annual Percentage Yield is the real rate of return earned on your account balance after taking into account the effect of compounding interest. on $0 – $500 0.05% APY* over $500 FREE Debit Card and Online Banking Unlimited ATM transactions Minimum balance of $5 to open account Notes and Fees See Details Get Started