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Upgrade to EarnSmart™Routing Number 325181248
Limited Checking Offer
Now is the best time to get a checking account.
EarnSmart™ Checking Benefits
3.00%
APY1
+ $300
2
Earn more with minimal effort and a high dividend rate.
- APY* on your first qualified $5,000 in balances
- Enjoy free ATM fee refunds nationwide
- Online and Mobile banking
- Overdraft protection
- Early direct deposit
- Round up transactions
Disclosures:
EarnSmart™ Checking
*APY (Annual Percentage Yield) is accurate as of 12/01/2025, the last dividend declaration date.
EarnSmart checking accounts earn 3.00% APY on the first qualified $5,000 in balances. Amounts over $5,000 earn 0.01% APY. In order to earn 3.00% APY on the first $5,000 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. For EarnSmart Checking accounts, the monthly service fee will be waived if you meet the minimum qualification requirements as disclosed in the Truth in Savings Disclosure. There is a minimum opening balance of $25 required if the account is opened online. Rates, terms, and fees are subject to change at any time after account opening. Fees may reduce earnings. Limit of one EarnSmart checking account per member.
2 To be eligible for the $300 checking incentive, you must be an indirect no share member who opens a new checking account with direct deposit, enrolls in online banking, and signs up for eStatements, within 90 days of indirect loan booking. The $300 incentive will be deposited into your saving’s account once all qualification criteria are met and is subject to required IRS reporting. The checking account must be opened with a minimum of $25 if opened online. No minimum ongoing balance is required. Only one $300 SmartPlus checking incentive can be earned per member. You must not have had a Gesa checking account within the last 90 days to be eligible.
Overdraft protection options are available for EarnSmart Checking accounts.
Auto Loan FAQ's
How do I pay?
To set up automatic payments, sign into online banking at Online Banking or Make-a-payment.
If you prefer to make a one-time payment, you can do that through online banking.
What if I want to pay through another bank or credit union?
To make one-time payments or set up automatic payments through another financial institution, please reference your loan information provided on the cover of your welcome letter. You will also need the following information:
Gesa ABA Routing Number: 325181248
Can I mail a check? When do I use coupons?
Yes. If mailing a check, please use the attached coupon for your first payment, include your loan number on the check, and send them to the address on the coupon.
You can find additional loan coupons at www.gesa.com/coupon-enrollment.
How do I make changes to my loan?
Sign up for our Online Banking to access our Self-Service options such as changing a due date, skipping a payment, obtaining a payoff quote and paying off your auto or personal loans! Otherwise you can call Gesa Member Services at (888) 946-4372 or stop by your local branch and complete a Subsequent Action Form.
What type of insurance coverage is required on my vehicle?
We allow Comprehensive and Collision deductibles up to, but not to exceed $1,000. You must maintain full coverage (covering the vehicle against damage, destruction, or loss) and comply with required state minimums.
You’ll need to add Gesa to your policy s a lienholder:
Gesa Credit Union
PO Box 500
Richland, WA 99352
Where do I send documentation validating Gesa as a lienholder?
To ensure your new purchase is covered by insurance and Gesa is listed as a lienholder, you must send a notice of Loss Payee from your insurance company to:
You’ll need to add Gesa to your policy s a lienholder:
PO Box 924279
Fort Worth, TX 76124
P: (877) 281-1014
F: (877) 446-7164
Where do I send documentation validating Gesa as a lienholder?
As a not-for-profit credit union, we offer loans with low rates, financial education not often taught in school, and efficient tools to grow your savings. To see all our convenient products and services, visit gesa.com.
Membership Agreement:
As a member who joined through our Gesa to Go indirect lending program, you maintain your membership as long as you have a borrowing relationship with us. After this loan is closed, your membership in the credit union will end unless you have established another qualifying account with the credit union. Our bylaws, which we may amend from time to time, establish basic rules about our credit union policies and operations which affect your account and membership. As a member of the credit union, you agree to the bylaws and you may obtain a copy of the bylaws on request.
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.
Facing an unexpected financial emergency?
We offer a range of relief options to ease short-term stress and support you.
Resources
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Gesa credit union is committed to making a positive impact in the communities we serve.
In the Community
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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.
for you.
With best-in-class rates and a variety of everyday banking products, Gesa has the right account, card, or loan for you.
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
-
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.
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 |