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Checking and savings —

Student Checking

A Student Checking account makes managing money easy.

  • 7.00% APY* on balances $0 - $500
  • 0.01% APY on balances $500+
  • Minimum of $5 to open account
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Student friendly features

  • Perfect for budget-minded students ages 14-18
  • FREE Debit Card
  • FREE Online Banking
  • Unlimited ATM transactions
  • Minimum of $5 to open account
  • No monthly service charges

* APY = Annual Percentage Yield. Rates, terms, and fees are subject to change. APY is accurate as of 03/04/23 or the first day of the month – the last dividend declaration date.

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.

Notes and Fees

* APY = Annual Percentage Yield. Rates, terms, and fees are subject to change. APY is accurate as of 03/04/23 or the first day of the month – the last dividend declaration date.

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.

Student Checking

7.00%APY*

On account balances $0 – $500

0.01%APY*

On account balances over $500

* APY = Annual Percentage Yield. Rates, terms, and fees are subject to change. APY is accurate as of 07/01/2022 or the first day of the month – the last dividend declaration date.

 

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.

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

  • 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
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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!

Explore Affinity Debit Cards
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Why go with Gesa?

When you bank with Gesa, you keep your 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
Learn more about community impacts
Scholarships

Still have questions?

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.

Learn more about Checking 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?

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Gesa Credit Union
Gesa Credit Union

51 Gage Blvd. Richland, WA 99352

Routing Number: 325181248

(888) 946-4372

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Routing Number: 325181248
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51 Gage Blvd. Richland, WA 99352
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CO-OP Shared Branch

Equal Housing Opportunity Lender  –  Co-op Shared Branch

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51 Gage Blvd.
Richland, WA 99352

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We have the accounts, products, and services to help you and your small business succeed.

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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.

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Up to 5.00% APY
On select checking accounts!

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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.

* * * * *