Checking and savings —

Smart Checking

A worry-free secondary checking account is only a click away

*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: Funds from your corresponding savings account will be transferred first to cover your overdraft, for a $3.50 fee. If there is not enough in your savings account to cover the overdraft, your account will be charged the standard NSF fee of $29 for handling each item even if paid by the discretionary Courtesy Pay privilege. There is a limit of five fees per day we can charge you for overdrawing your account. This privilege for consumer checking accounts will generally provide at least $100 of overdraft balance coverage. The Courtesy Pay limit may vary based on your checking account history, overdraft transactions, payments and your use of the service. Any and all fees and charges, including the non-sufficient funds fees for paid items using Courtesy Pay as well as returned items (as set forth in Gesa’s fee schedules and disclosures), will be included as part of the Courtesy Pay limit. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if you have met your Courtesy Pay limit; are not in good standing with Gesa; have not maintained the required $5 primary savings account deposit; have a Gesa loan that is past due; your Courtesy Pay privileges have been revoked on another Gesa account; or if the amount needed to cover your payment exceeds your Courtesy Pay limit. The total of the discretionary Courtesy Pay (negative) balance, including all fees and charges, is due and payable upon demand, and Depositor and each Authorized Signatory will continue to be liable, jointly and severally, for all such amounts, as described in the Member Account Agreement. Any paid overdrafts are considered an advance on your next deposit. Accounts must be brought positive within 20 days or a minimum period of 24 hours or the Courtesy Pay limit may be reduced to $0. Accounts must be brought positive within 30 days or the service may be suspended or terminated.

Benefits with all Gesa checking accounts

  • Early direct deposit

    Get early access to your direct deposit before it lands in your checking account

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  • Round up transactions

    Round up your transactions to the next whole dollar and grow your savings effortlessly.

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  • Online and Mobile banking

    24-hour access to your accounts to make transfers, deposit checks, and more.

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  • Nationwide ATMs

    Access to over 70,000 surcharge free ATMs throughout the CU24 credit union ATM network.

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  • Overdraft protection

    In unexpected situations, choose what happens if you are short on funds in your checking account.

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  • Mobile Wallet

    Pay for your purchases with your Gesa debit or credit card on your smartphone.

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  • No monthly service charges

    We believe in growing your money. That’s why we have no monthly service charges on our personal checking accounts.

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  • Card Manager

    Card manager and custom alerts to keep you in the loop about your money.

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Affinity Cards

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!

Why go with Gesa?

When you bank with Gesa, you keep your money in your community and give back to local schools and organizations.

Still have questions?

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 Protection

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 Checks

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 Coverage 

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.

All Gesa consumer checking accounts have no monthly service charges.

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 

Yes, however, there are exceptions: if you are an international student, Battelle employee, or have a Mexican Matricular card, you can be exempt from needing a TIN Number.

Still have questions?

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People helping people.

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 give a hoot about your business.

Gesa has the accounts, products, and services to help you and your small business succeed.

Happy banking customer

Business Visa:
A low-rate card made for business owners.

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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.

Gesa Customer at POS

Up to 5.00% APY
On select checking accounts!

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