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Checking and savings —
Student and Youth Savings
- Designed for members ages 0-18
- Start responsible financial management early
Explorer Youth Savings
- 0.01% APY* on $500+
- Eligible for ages 0 - 13 years
Savings Match Incentive
Gesa will match deposits made in a branch or through Mobile Check Deposit* up to $25, in $5 increments, within the first year that the account is opened. Once the $25 maximum deposit match is met, no additional savings matches will be allowed on the account. Members will be limited to one Savings Match per member, per day.¹
Super Student Incentive
Bring in your child’s report card and receive a $5 ‘Super Student’ deposit into their Explorer Savings account! Once per season (Fall, Winter, Spring, Summer), Explorer Savings account holders can bring in their report card and Gesa will deposit $5 for each report card shown to a teller. The Super Student incentive will be capped at $20 per calendar year, per member. Members will be limited to one Super Student incentive per member, per season. ²
*APY = Annual Percentage Yield. APY is accurate as of 11/01/2021, the last dividend declaration date and applies to the first $500 deposited in a qualifying Explorer Savings account. Balances over $500 earn 0.01% APY. Rates may change after the account is opened.
Age Eligibility: 0-13 years. Account automatically changes to SmartPlus Savings account at age 14. No monthly fees and no minimum balance required to open or maintain account. Limit of one Explorer Savings account per member. Fees could reduce earnings. Offer can end at any time.
¹ Savings Match Incentive deposits will be made into the account within one business day of the account deposit. Savings Match only eligible for deposits made at a Gesa branch or through mobile deposit.
² Super Student incentive deposit will be made within one business day of the presentation of a report card. Report card can be in paper or electronic format. In place of report card, documentation can consist of note from parent or guardian or item of schoolwork. Material presented must be dated within the past 90 days to be considered.
7.00%APY*
On account balances $0 – $500.00
0.01%APY*
On account balances over $500.00
Saving for a Minor
If you would like to set up an account for a minor and want to limit access until the child becomes 21 years old, setting up a Uniform Transfer to Minors Act (UTMA) account can be a good option. While the tax income is reported under the minor’s tax identification number, the custodian retains control of the account until the account becomes available to the child once they turn 21. Additional benefits on the account can create a tax-advantaged* way to contribute to a minor’s savings.
A UTMA account can be set up as a Primary Savings, Money Market, or Certificate Account. Direct Deposit and Payroll Deduction into the account can help you to automate saving for your child’s future.*
*Please consult a tax professional. Gesa is not a tax advisor.
Benefits with all Gesa saving accounts
Online and Mobile banking
24-hour access to your accounts to make transfers, deposit checks, and more.
Overdraft protection
In unexpected situations, choose what happens if you are short on funds in your checking account.
Card Controls
Remote card controls and custom alerts to keep you in the loop about your money.
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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 -
Card Manager
Card manager and custom alerts to keep you in the loop about your money.
Learn more
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.
- $500,000+ given back to local communities
- Scholarship opportunities for local students
- Sponsorships and grants for local organizations and events
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.
Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.
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.
Still have questions?
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Up to 5.00% APY
On select checking accounts!
Routing Number 325181248
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:
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