Routing Number 325181248
Checking and savings —
SmartPlus Checking
This smart personal checking account has no gimmicks or monthly fees—plus, it makes you money.
It's called SmartPlus for a reason.
- Earn a great rate of APY* on your first qualified $5,000 in balances*
- We donate to the community whenever you use your debit card
- Enjoy free ATM fee refunds nationwide*
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
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, 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.
APY*
On your first qualified $5,000 in balances.
for balances over $5,000.
All Gesa debit cards support local communities whenever you use them.
You swipe; we donate — at no cost to you!
Want to support a specific cause near and dear to your heart?
Snag your choice from over 65 Affinity cards that fund your local high school, plant trees in the PNW, or give back to local heroes like healthcare workers, firefighters, law enforcement, educators, or Veterans.
SmartPlus Checking Account Benefits
Early direct deposit
Get early access to your direct deposit before it lands in your checking account
Overdraft protection
In unexpected situations, choose what happens if you are short on funds in your checking account.
Card Manager
Card manager and custom alerts to keep you in the loop about your money.
No monthly service charges
We believe in growing your money. That's why we have no monthly service charges on our Smart and SmartPlus checking accounts.
Early direct deposit
Get early access to your direct deposit before it lands in your checking account
Round up transactions
Round up your transactions to the next whole dollar and grow your savings effortlessly.
All cards give back
We give back to local communities whenever you use your card. You swipe, we donate.
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Online and Mobile banking
24-hour access to your accounts to make transfers, deposit checks, and more.
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 Smart and SmartPlus 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 -
All cards give back
We give back to local communities whenever you use your card. You swipe, we donate.
Learn more
Ways to pay
You don’t need to carry your card to make secure payments. Add your Gesa card to a digital wallet for faster, easier checkout in-app, in-store or online.
Contactless Payments
In touch or out of touch, it’s simple to pay with Gesa at checkout.
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 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.
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.
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.
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?
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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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
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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.
Help when you need it.
Gesa makes banking as easy, convenient and secure as possible.
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Gesa credit union is committed to making a positive impact in the communities we serve.
In the Community
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
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 |