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Checking and savings —

Student and Youth Savings

Explorer Youth Savings

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

Notes and Fees

*APY = Annual Percentage Yield. APY is accurate as of , the last dividend declaration date and applies to the first $500 deposited in a qualifying Explorer Savings account. Balances over $500 earn 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.

Youth Accounts


On account balances $0 – $500.00


On account balances over $500.00

Happy Family

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.

  • 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
Affinity Card

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

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 

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?

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

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.

Notes & Fees Glossary

*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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