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Gesa Credit Union will be closed on July 4 for Independence Day. This includes all branches and our Member Contact Center. Regular hours will resume July 5. Learn more about our holiday hours
Checking and savings —

SmartPlus Checking

A clever way to make your money earn more money.

SmartPlus Checking
keeps getting smarter

How to qualify
  • Maintain enrollment in eStatements
  • Make a monthly direct deposit of $200 or more
  • Complete 15 debit card transactions every month
  • Provide and maintain a valid email address
  • Limit one account per member

*APY = Annual Percentage Yield. Rates, terms, and fees are subject to change. APY is accurate as of 03/04/23, the last dividend declaration date. Minimum opening balance of $25 required if the account is opened online.

In order to earn 7.00% 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 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.

Notes and Fees

*APY = Annual Percentage Yield. Rates, terms, and fees are subject to change. APY is accurate as of , the last dividend declaration date. 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” 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 an account unless opened online. Fees could reduce earnings on the account. Limit of one SmartPlus Checking account per member.

SmartPlus Checking

7.00%APY

APY*

On your first qualified $5,000 in balances.
for balances over $5,000.

SmartPlus Checking Account Benefits

  • Online and Mobile banking

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

    Learn more
  • Nationwide ATMs

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

    Learn more
  • Overdraft protection

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

    Learn more
  • Mobile Wallet

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

    Learn more
  • Card Manager

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

    Learn more
  • No monthly service charges

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

    Learn more
  • Early direct deposit

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

    Learn more
  • Round up transactions

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

    Learn more
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!

Still have questions?

In those unforeseen moments when you find yourself short on funds, the Gesa Credit Union SmartPlus Checking account with overdraft protection comes to your rescue. Our Courtesy Pay feature is designed to shield you from merchant NSF fees, service interruptions, and the potential embarrassment of declined or returned items.

You have the flexibility to opt for one form of account coverage or combine all three protective measures—Courtesy Pay, Savings Transfer, and Personal Line of Credit—to align with your financial preferences. At Gesa Credit Union, we prioritize offering solutions that work best for you. Learn more about Overdraft Protection.

Overdraft Protection

Overdraft protection is a financial service that helps prevent transactions from being declined due to insufficient funds, to avoid fees and potential service disruptions in service.

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 

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

ATM fee rebates are only allowed for eligible SmartPlus Checking accounts. To qualify, the accounts must have a valid email address, complete 15 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 

A mobile wallet is a digital application on a smartphone or other mobile device that allows users to store, manage, and securely make electronic transactions, such as payments for goods and services, using stored credit, debit, or loyalty card information.

Still have questions?

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:

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.

People helping people.

Gesa credit union is committed to making a positive impact in the communities we serve.

Affinity Partner Cards

Affinity debit cards give back to your community 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.

Business owner

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

Learn More

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 using card

Up to 5.00% APY
On select checking accounts!

Learn More

Notes & Fees Glossary

 Disclaimer
*APY* APY = Annual Percentage Yield. Rates, terms, and fees are subject to change. APY is accurate as of the first day of the month – the last dividend declaration date.
SmartPlus Checking*To earn the higher rate, you must:
  1. Enroll in eStatements
  2. Make a monthly direct deposit of over $200
  3. Complete 15 debit card transactions
  4. Provide and maintain a valid email address
  5. Limit one account per member
For any month where the account does not meet the qualification requirements, the account will earn a lower rate. Minimum balance of $5 needed to open.Qualifying account balances meet minimum requirements. APY subject to change monthly. 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. Limit of one specialty checking account (Smart Plus Checking) per member.

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