*SmartPlus Checking: APY = Annual Percentage Yield. Available for a limited time.

The incentive payment is subject to required IRS reporting. To be eligible for the $200 incentive, you must open a new SmartPlus account, enroll in Online or Mobile Banking, signup to receive electronic statements and complete 10 Gesa Visa® debit card transactions (ATM transactions excluded) within 60 days of opening the checking account. The incentive will be paid to your savings account within 30 days of meeting the qualifications. To be eligible for the additional $150 incentive, your account must remain open 12 months after the original open date and must be in good standing. The additional $150 incentive will be paid within 30 days of the open anniversary date. Maximum $350 incentive per member. Member must not have had a Gesa Checking account within the last 90 days. The checking account must be opened with a minimum deposit of $5 if opened in the branch. No minimum on going balance is required.

Rates effective as of the last dividend declaration date. Checking account APYs range from 0.01% – 7.00% for tiered rate checking accounts, depending on account and balance. Minimum balance to obtain APY ranges from $0 to $5,000 and above. Rates, terms, and fees are subject to change any time after account opening. Fees may reduce earnings. Limit of one SmartPlus Checking account per member.

Referral Incentive: Only one $100 referral incentive payment will be made per new referred member. See full Terms and Conditions at gesa.com/promotions/friends-and-family-referral. New members can refer up to 9 new members. Existing Gesa members can refer up to 10 new members. For both new members and existing members, a maximum of $1,000 in referral incentives may be claimed before the program ends. New members will receive a $100 incentive for being successfully referred to Gesa and can refer up to 9 new members to earn up to $1,000. This promotion is available for a limited time only and can end at any time. The incentive payments are subject to required IRS reporting.

New members must open a savings account and a SmartPlus Checking account to be eligible for the referral incentive(s). The checking account must be opened with a minimum deposit of $25 if opened online. No minimum ongoing balance is required to obtain the referral incentive(s). Referral incentives will be paid by direct deposit into the member’s savings account and within 60 days of the SmartPlus checking account opening.