Checking and savings —

SmartPlus Checking

A clever way to make your money earn more money.

SmartPlus Checking
keeps getting smarter

How to qualify
  • Enroll in eStatements
  • Make a monthly direct deposit of $200 or more
  • Complete 15 debit card transactions
  • 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 01/01/23, 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.

SmartPlus Checking


On your first qualified $5,000 in balances.
0.01% for balances over $5,000.

Benefits with all Gesa checking accounts

  • 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.

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  • Card Manager

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

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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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  • 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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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 SmartPlus 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 

Still have questions?

Compare to:


Smart Checking

This option makes a marvelous secondary checking account. It covers all your basics without monthly fees or balance requirements.

See Details

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.

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 at POS

Up to 5.00% APY
On select checking accounts!

Learn More